Protection that is made for you
Known for its contributions to the auto and music industries, Detroit is the largest city in the state of Michigan and 24th most populous in the United States. It has a port on the Detroit River and one of the most important airport hubs in the country. Known for its hot, humid summers and cold winters, the city feels the effects of the Great Lakes often. Detroit is one of 13 U.S. cities that is home to all four major sports – football, baseball, basketball and hockey. Four interstate highways run in and around the city – I-75, I-96, I-94 and I-275.
When it comes to auto insurance, every state has different requirements. For drivers in Detroit, you can see what coverage and coverage limits Michigan requires in the list below. These requirements are just a starting point – you may want to purchase additional car insurance or increase your coverage limits.
A Detroit Allstate agent can help you understand the different insurance types available to you.
Detroit car insurance requirements
Auto liability insurance is a type of car insurance coverage that's required by law in Michigan, so Detroit drivers must have it.
More specifically, the following liability coverages are the minimum required in Detroit:
- $50,000 bodily injury liability limit per person¹
- $100,000 bodily injury liability limit per accident¹
- $10,000 property damage liability
Collision², comprehensive² and uninsured/underinsured motorist² coverage are not required for Detroit drivers. Michigan has Personal Injury Protection (PIP) coverage options ranging from no coverage to continuing unlimited coverage (depending on the type of health coverage a person has, and what is best for their needs).
Additionally, Michigan requires a $1,000,000 limit on property protection, which helps cover expenses related to the damage of buildings, parked vehicles and other stationary structures, regardless of who's at fault.
All coverages are subject to the coverage limits stated in your policy.
Have questions about Michigan Auto Insurance reform? Visit our Michigan Car Insurance page for answers.
¹Existing policyholders who do not select a lower limit will default to $250,000 per person/$500,000 per accident. Policyholders who request a limit less than $250,000 per person/$500,000 per accident will be required to provide a signature certifying that they want a lower coverage limit.
²Although Michigan law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.
Detroit auto insurance discounts
It's possible to get quality coverage in Detroit at a lower rate than you might think. Whether you decide to bundle your insurance policies, invest in an anti-theft device and more, Detroit drivers can find many ways to save with Allstate.
Multiple policy discount
Having more than one Allstate policy can help you save money on your monthly premium. For instance, if you bundle your home and auto policy, you can save on your auto and home premiums.
New car discount
You can save on your car insurance policy if your vehicle is a current model year or one model year older and you're the first owner.
Proof of insurance in Detroit
If you are stopped by the police and asked to show your auto insurance card, drivers in Detroit can show an electronic insurance card. Most states, including Michigan, permit drivers to show an electronic proof of their insurance card on a mobile device during a traffic stop.