Collision in Michigan

Collision insurance averages about $430 per year nationally. In Michigan, the overall average car insurance premium is $2,700/yr ($974 above the national average). Actual collision costs vary based on your driving record, vehicle, and insurer.

Collision is not specifically mandated as a standalone requirement in Michigan, though related coverage may be required. Michigan requires: 50/100 / 10 liability.

Pays to repair or replace your vehicle after an accident regardless of fault. Required by lenders for financed vehicles. Typical limits are $500 or $1,000 deductible. This is a recommended coverage type.

Michigan uses a no-fault insurance system. In at-fault states, the at-fault driver's insurance pays for damages. This can influence the importance and cost of collision coverage.

To save on collision in Michigan: compare quotes from multiple insurers, ask about discounts (safe driver, bundling, low mileage), consider higher deductibles where applicable, and maintain a clean driving record. The cheapest insurer in Michigan is Progressive, while Allstate tends to be the most expensive.