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Who has the Cheapest Car Insurance in Michigan?

Finding the right insurance for your car can be a daunting task. You go online and search for “auto insurance Michigan,” hoping to find the best possible car insurance companies in Michigan. The problem? There are too many options. Most coverage’s don’t even apply to your needs. And while customer service may be able to assist you with answering your questions, ultimately, you know you’re getting sold to.

Get the Best Rates. Always.

At Signature Insurance, we is present you with options; no bias or preference to one insurance company or another. Put simply, we show you what each insurance policy covers, and work directly with the insurers that serve Troy, Michigan, so you get the better deal.

Get the Best Coverage. Period.

Ideally, we always aim for the right balance between the broadest coverage possible and the lowest price. This way, you know you are well covered in case of an accident, without paying a high price for things you don’t use. So for us, answering the question of who offers the most affordable car insurance in Troy, Michigan, is what we do every day.

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What Coverage Does Troy, Michigan Require for Car Insurance

Need insurance for your home or car? Call us at (248) 955-9095

The Michigan guidelines for auto insurance law are determined by the Department of Insurance and Financial Services in the State of Michigan. There’s much information to know about their requirements, but we’ll give you the highlights of what you need to know. Whenever you ask for insurance quotes, try to become familiarized with terms like personal injury protection (PIP), medical expenses policy, and how your insurance premium works on a per accident basis.

The absolute minimum car insurance coverage for Michigan drivers is:

Up to
for a person who is
hurt or killed in an

Up to
for each accident if
several people are
hurt or killed.

Up to
for property
damage in another

Understanding the Michigan No-Fault Insurance Law Reform

In short, the changes to the law affected
your policy in regards to:

Personal Injury Protection
Property Protection Insurance
Bodily Injury and Property Damage


Michigan is a no-fault state, which means that both parties in a car accident are entitled to benefits from their insurance companies, regardless of who caused the crash.
There are, of course, limits to this no-fault automobile insurance coverage, and we go deeper into it in this guide for understanding Michigan auto insurance law. You can also see the official guide from the Government of Michigan, regarding the changes to the Michigan no-fault insurance lawpassed in June 2019. It goes without saying, this applies to both Troy and Clawson.

Buying Car Insurance in Troy, Michigan

Regardless of what insurance company you choose, you know you need to buy insurance for your vehicle. While all the legal details are important, ultimately, most of your decision will come down to what you can afford.

We would absolutely love to help you figure out how to get the best car insurance deal in Troy. Just contact us at (248) 955-9095 if you have any questions, or if you want to get a quote from all the car insurers in town, we can also help you with that.

Get the best rates from these insurance companies