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Cheap Auto Insurance Quotes in Rochester, MI (2023)
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Car Insurance in Rochester, MI
The average cost of Michigan car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Rochester, MI to find you the cheapest quotes in the area.
Quick Facts
The average cost of car insurance in Rochester is $397 per month, or $4764 annually.
Car insurance in Rochester is $105 more than the average cost of car insurance in Michigan.
The cheapest car insurance provider in Rochester on average is Progressive, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Cheapest Car Insurance in Rochester, MI
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Rochester | Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Liberty Mutual | $308 /mo |
| Midvale Home & Auto | $513 /mo |
| Arrowhead | $613 /mo |
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Average Car Insurance Cost
| Michigan Cities | |
|---|---|
| Detroit | $520/mo |
| Grand Rapids | $241/mo |
| Warren | $338/mo |
| Sterling Heights | $498/mo |
| Rochester | $478/mo |
| Michigan | $415/mo |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in Michigan
All motor vehicles operated or parked on Michigan roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
Michigan’s unique No Fault insurance program includes multiple levels of protection available depending on residents’ Medicare or Medicaid status and the insurance status of relatives.
The minimum required insurance levels for Michigan[1] are:
$50,000 per accident for PIP
Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.
$1,000,000 per accident for PPI
Property protection insurance, referred to as PPI coverage, is a type of coverage unique to Michigan. It acts similarly to traditional property damage insurance, but only applies to property damaged in accidents that occur within the state of Michigan.
The minimum liability insurance requirements for private passenger vehicles in Michigan are:
$250,000 per person for bodily injury
$500,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Michigan is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.
$10,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. In Michigan, this coverage only applies to out-of-state accidents.
For more detailed Michigan city level guides, check out these below.
FAQs - Rochester, MI Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.
Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- Michigan Department of Insurance and Financial Serices. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
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