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MI
State market

Insurance in Michigan

Michigan is where the Collective started and where its advisor team quotes and services coverage today. It is also the most unusual auto insurance state in the country.

What’sdifferent
Facts that change the answer
  • Michigan is a no-fault state. Your own policy pays your medical bills after a crash through personal injury protection (PIP); since 2020 you choose the PIP medical level, and unlimited is still available.
  • Property protection insurance (PPI) of $1 million is required and pays for damage you cause to parked cars and property; damage to a moving car you hit is limited to the $3,000 mini-tort.
  • The state minimum liability limits are $50,000 per person / $100,000 per accident. The Collective’s advisors quote 250/500 by default.
  • Deer strikes are comprehensive claims. Michigan records roughly 50,000 a year.
  • Lake-effect snow, ice dams, and spring water backup drive most homeowners claims; water backup is an endorsement, not standard coverage.
How Michigan is servedAdvisor marketA licensed advisor in your area will shop this across our insurance companies and come back with options.
Coverage people here ask about
Cities
In Michigan

Local pages.

Michigan

Grand Rapids

Home insurance in Grand Rapids is priced on a housing stock that runs from 1900s Heritage Hill two-stories to new construction in the suburbs, and rebuild costs that have outrun sale prices in many neighborhoods.

Local page→Michigan

Traverse City

Traverse City insurance is shaped by water: lakefront and bay-front homes, boats, short-term rentals, and a rebuild market where contractors are scarce and expensive.

Local page→
Learn
Guides for Michigan

Read before you buy.

Auto

Do I need uninsured motorist coverage?

It is not required in Michigan, but it is the coverage that pays you when the driver who hurt you has no insurance or not enough. Roughly one in five Michigan drivers…

4 min readGuide → Auto

What does comprehensive auto insurance cover?

Comprehensive pays to repair or replace your own car when it is damaged by something other than a collision: theft, vandalism, fire, hail, flood, falling objects, and…

4 min readGuide → Home

Replacement cost vs. market value

Market value is what a buyer would pay for your house and the land under it. Replacement cost is what it would take to rebuild the house alone, today, with today's…

5 min readGuide →
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See your options in Michigan.

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