Non-owner car insurance in Michigan

What companies offer non-owner policies in Michigan?

We gathered rates from 4 insurers, listed from lowest to highest.

Choosing liability and PIP coverage on a Michigan policy

By default, MCL 500.3009 sets bodily injury limits at $250,000 per injured person and $500,000 for each accident. You can go as low as $50,000 and $100,000, but you must sign a form to do so. According to the state auto insurance site, there is also $10,000 for property damage you cause out of state.

Michigan is no-fault, so your policy includes personal injury protection. PIP pays for your own injuries after a crash, no matter who caused it. The medical coverage limit can be selected under MCL 500.3107c.

Is an SR-22 required in Michigan?

After an unpaid crash judgment, Michigan will accept an operator's policy as proof; that policy covers you when driving cars registered to someone else. The standard liability limits here are 250/500, but you can choose a lower amount by signing a form.

The term is different here. You must have the insurer's home office send a financial-responsibility insurance certificate to the Department of State. Its financial responsibility FAQ explains this applies only when an uninsured driver who caused a crash cannot satisfy a court judgment. Until you pay the entire judgment, the suspension remains.

You can get a restricted license while you make payments. Submit a payment agreement signed by both parties, or a court order for installments, to the Driver Record Activity Unit office in Lansing. You must also include proof of insurance. If the injured person refuses to sign, the court that issued the judgment may order installments after holding a hearing. The restricted license will list the specific vehicles you are allowed to drive.

Two kinds of policies meet the requirement. An owner's policy covers cars registered to you, while an operator's policy covers you when driving cars not registered to you. Allow two to four weeks for the certificate to be processed. Start early, because an insurance application is not accepted.

The penalty for uninsured driving in Michigan, plus how to get reinstated

Before the state can issue or return a license that was suspended, revoked, or restricted, you typically must pay a $125 fee under MCL 257.320e. For some transactions, the Department of State reinstatement fee page lets you pay online or by mail. Paying by card adds extra charges.

Going without coverage is a crime in this state. The Department of Insurance and Financial Services calls it a misdemeanor. You could face a fine up to $500, jail up to a year, or both.

What Michigan drivers pay, by age

Yearly cost for teens: about $1,348. A 40-year-old pays about $1,303 a year on average for minimum owner coverage, roughly $448 above the $855 non-owner rate.