I Am Looking for a Cheap Auto Insurance Rate in Michigan
Reader’s Question:
I am planning to move to Michigan from Arizona and I would like to know if my car insurance will be cheaper in Grand Rapids, Michigan?
Harold
Grand Rapids, MI
Auto insurance coverages are different in Arizona and Michigan. Lets start with the state of Arizona.
Arizona law requires that all automobiles driven in roadways needs to be covered with liability insurance with an insurance carrier licensed to do business in the state of Arizona. The minimum liability insurance in the state of Arizona is 15/30/10 and this means $15,000 for bodily injury liability per person up to $30,000 per accident and $10,000 for property damage liability.
In the state of Michigan, the car insurance coverage that needs to be purchased are Personal Injury Protection (PIP), Property Protection (PPI) and Residual Bodily Injury and Property Damage Liability Insurance (BI/PD). The Residual bodily injury and property damage liability (BI/PD) pays if you are found at fault, for any damages caused by a car accident up to the limits of your car insurance policy.
In Michigan, the minimum liability limits that needs to be purchased is 20/40/10. This coverage means $20,000 per person up to $40,000 per accident and $10,000 for property damage liability. You have the option to purchase Residual bodily injury and property damage liability (BI/PD) for additional coverage.
It will still depend on different factors whether your car insurance rate is cheaper in Grand Rapids, Michigan than in Arizona. You can get car insurance quote here to have an idea what your car insurance rate will be when you move to Grand Rapids, Michigan. Good luck!
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