Michigan Car Insurance
Get A Quote Today & You Can Save $796 On Your Auto Insurance!

More Policies Equal More Savings
You can get about 50% in potential discounts when you bundle multiple policies with us. In addition to car insurance, we offer various auto, home, and commercial coverage to our Michigan residents and businesses.
Why Choose Compass For Your Car Insurance?
- Exemplary customer service with a personal touch.
- Your choice of about 20 insurance providers.
- Manage all of your insurance policies from one place, saving you time and money.
- Deep involvement with the local community.
- We work for you, not the insurance companies.
- We have served Michigan since 1969 (originating in Grand Rapids) and our reputation is what keeps us going.

We Stand Out
These are just some of the ways in which we stand out. To us, our clients are family and we treat them as such. We work closely with you to customize your coverage, respond promptly when you contact us, are with you through the claims process, are available 24/7 via various channels, and commit our staff to continued education in order to provide the best possible service.
Independent Agents
We are independent agents. Why does this matter to you? Because it allows us to work with lots of insurance carriers to offer a variety of rates, policies, and levels of coverage. You have individual needs. Your insurance coverage should meet them.


We Work For You
We keep it personal – in the truest sense of the word. You will know who you are talking to when you call us. Our staff will get to know you. This will not only make your interactions with us pleasant – it also ensures we will protect your interests. We work for you, NOT the insurance companies. This personal approach extends to the local community. Active involvement in charities and organizations is one of our top priorities besides serving you!
Different Types Of Car Coverage
When looking at a policy, it is important to know a little about the different types of coverage that are available.


Liability Coverage

Collision Coverage

Comprehensive Coverage

Uninsured & Underinsured Motorist Coverage

Medical payments Coverage

Personal Umbrella Policy

Personal Injury Protection

Property Protection Coverage

Roadside Coverage

Sound System Insurance
Start Your Car Insurance Quote
Get your quote online by filling out our short form.
Michigan Car Insurance Minimum Requirements

Michigan’s minimum liability requirements:
20/40/10
The average car insurance rate in Michigan:
$1,231.39 per year
It is 38.5% higher than the national annual average.
The state of Michigan requires all of its drivers to carry a minimum amount of car insurance. Penalties for the failure to do so include monetary fines and jail time.
Uninsured motorist, personal liability, collision, and comprehensive coverage are all optional.
Michigan is a no-fault state:
Your insurance coverage will take care of your injury claims up to a specified limit regardless of who was at fault for the accident.
FAQs About Car Insurance In Michigan
What affects my car insurance rates?
Other demographic factors that come into play are your gender, age, marital status, and where you live. The type of vehicle being insured matters, as well. Insurance companies take into account the vehicle’s age, size, safety rating, and the likelihood it will be stolen.
Factors that can cause your rate to increase include higher auto repair and medical costs, an increase in the number of drivers on the road, and a surge in distracted driving incidents.
Which car insurance terms should I learn?
- Premium – The amount of money you pay a car insurance carrier to provide coverage and pay claims. Premiums are typically paid annually, once every six months or monthly.
- Deductible – The amount of money you pay out of your own pocket before your insurance company steps in to cover the rest of a claim. A low deductible usually means a high premium and vice versa.
- Bodily injury liability – This type of coverage provides protection if you cause an accident that harms or kills someone in another vehicle. It does not cover you or any passengers in your car.
- Limit of liability – The highest amount your insurance company can pay for coverage as dictated by your policy.
- Personal injury protection coverage – This type of coverage steps in where bodily injury liability leaves off, by protecting you and your passengers.
- Collision coverage – This type of coverage pays for damage inflicted on your car by hitting another vehicle or object.
- Comprehensive coverage – This type of coverage kicks in if your car is damaged by an event such as a falling object, natural disaster or theft.
- Property damage coverage – This type of coverage protects you if your car inflicts damage on another person’s property or vehicle.
- Uninsured motorist coverage – This type of coverage protects you and your passengers in the event that an uninsured driver hits your car and injures you (bodily injury). It also covers damages to your car (property).
How do I compare car insurance quotes?
When it comes to your deductible, remember that a higher deductible means a lower insurance rate and vice versa. Carefully consider which of the two options you prefer. At this point, you can review all of the quotes to accurately determine which estimate is most favorable.
And do not forget to take into account which features are included in each policy you are considering. This is critical, as you want a policy that meets your state’s minimum requirements and your individual needs. Some items you may assume are built-in free of charge may be provided at a fee. It is imperative to confirm what is included and what is not.
Interesting Statistics About Michigan Drivers
- Credit score affects car insurance rates in Michigan more so than in any other state.
- There were 3.2 million automobiles registered in Michigan including private and commercial vehicles
- Michigan ranks in the top 10 states for the highest number of stolen vehicles.
- Teenagers who wish to drive in Michigan may obtain their learner’s permit at 14 years and 9 months of age, a restricted driver’s license when they are 16 years old and a full license at the age of 17.
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