How much does PLPD insurance cost in Michigan?

Michigan PLPD insurance is the same as carrying the minimum requirements for car insurance, which has a coverage limit of 20/40/10. To find out how much does PLPD insurance cost in Michigan, read through this article to see the average cost of Michigan PLPD and full coverage insurance. Continue reading to learn more about Michigan PLPD car insurance rates and requirements. Before you buy Michigan PLPD car insurance, compare rates to ensure you get the best deal.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Feb 26, 2021

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Here's What You Need to Know

  • Michigan is known to carry the most expensive car insurance rates in the United States.
  • PLPD insurance is the same as liability coverage.
  • The minimum requirements for auto insurance are different in each state.
  • Michigan motorists aren’t required to have Personal Injury Protection attached to their PLPD insurance coverage.

Michigan PLPD insurance has a lower coverage limit than most states in the U.S. Since the coverage limits are so low, how much does PLPD insurance cost in Michigan?

PLPD insurance cost depends on the company, the location, and several factors that determine car insurance. Follow us through this guide to learn how much Michigan car insurance costs.

You can find auto insurance right now by entering your ZIP code in the FREE online quote tool. If you want to skip instant PLPD insurance quotes for now, continue reading to learn more about PLPD insurance requirements.

How much does PLPD insurance cost in Michigan?

PLPD insurance cost varies by company. So how much is PLPD insurance in Michigan? Before we continue, let’s look at the average annual rates for PLPD insurance costs from the top car insurance companies in Michigan.

Michigan Average Car Insurance Annual Rates By Coverage Level
CompaniesAverage Annual Rates with Low CoverageAverage Annual Rates with Medium CoverageAverage Annual Rates with High Coverage
USAA$3,511.28$3,626.86$3,716.05
Progressive$5,188.80$5,360.96$5,512.79
GEICO$5,987.51$6,327.85$6,832.27
Nationwide$6,579.61$6,181.29$6,101.40
Farmers$8,048.64$8,253.96$8,523.10
Travelers$8,616.35$8,716.50$8,788.45
State Farm$11,845.05$12,560.38$13,040.02
Liberty Mutual$19,452.55$19,868.02$20,418.71
Allstate$22,238.06$22,873.48$23,352.73
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Each column shows annual rates based on coverage level. USAA has the cheapest insurance in Michigan, but USAA is only available to members of the U.S. Armed Forces. The second most affordable company is Progressive PLPD insurance.

PLPD vs. Full Coverage Cost

What does PLPD mean in insurance? PLPD insurance, or Personal Liability and Property Damage insurance, is another way of saying liability car insurance.

Liability coverage is made up of bodily injury liability and property damage liability.

Full coverage insurance is made of liability, collision, and comprehensive coverage. Watch this video to learn the difference between collision and comprehensive coverage.

Collision insurance coverage is designed to provide car insurance customers with property damage coverage regardless of who is at fault. Meanwhile, comprehensive car insurance provides compensation for accidents that don’t involve a collision, such as a fire, flood, vehicle theft, or other types of unforeseen accidents.

According to the National Association of Insurance Commissioners (NAIC), the average monthly liability coverage rate in Michigan is $68 per month, while the average monthly full coverage rate is $116 per month.

What is PLPD insurance in Michigan?

The low coverage level has a PLPD coverage limit of 20/40/10.

According to Michigan car insurance laws, the 20/40/10 coverage means $20,000 for bodily injury of one person per accident, $40,000 for bodily injury of multiple people per accident, and $10,000 for property damage.

Your Michigan insurance company can offer higher coverage levels, but your premium will be more expensive. Standard medium coverage level limits are 50/100/50, while high coverage limits can be 100/300/100. Some companies offer coverage limits in the $500,000s.

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Who has the cheapest car insurance in Michigan?

We saw the average annual rates based on coverage level, now let’s find the cheapest car insurance in Michigan based on the average annual rates.

Michigan Average Annual Car Insurance Rates By Company
CompaniesAverage Annual Car Insurance RatesAverage Annual Rates Compared to State Average ($)Average Annual Rates Compared to State Average (%)
USAA$3,618.06-$6,808.70-188.19%
Progressive$5,354.18-$5,072.58-94.74%
Nationwide$6,287.43-$4,139.33-65.84%
GEICO$6,382.54-$4,044.22-63.36%
Farmers$8,275.23-$2,151.53-26.00%
Travelers$8,707.10-$1,719.67-19.75%
State Farm$12,481.81$2,055.0516.46%
Liberty Mutual$19,913.09$9,486.3347.64%
Allstate$22,821.42$12,394.6654.31%
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Progressive and USAA have the cheapest car insurance rates. If you think they’re too expensive, try other companies like MetLife car insurance in Michigan.

Is Michigan getting rid of no-fault insurance?

Michigan car insurance laws have been reformed over the past year. According to the Michigan Department of Insurance, as of July 1, 2020, drivers can skip Personal Injury Protection (PIP).

Before July 2020, Michigan motorists enrolled in PIP as part of the minimum requirements for car insurance. Uninsured/underinsured motorist coverage is not required but highly recommended.

Get cheap Michigan PLPD insurance quotes by entering your ZIP code in the FREE comparison tool.

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Michigan PLPD Insurance: The Bottom Line

The cost of insurance in Michigan can be expensive. With the right discounts, you can save hundreds of dollars on car insurance. Although you can opt-out of PIP, we recommended that you add it to your policy anyway. Opting out can make your policy cheaper, but it’s better to invest in PIP just in case.

Also, think about adding uninsured/underinsured motorist coverage. This will prevent any surprises if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough on their coverage limits.

Companies in Michigan are generally more expensive than surrounding states. Ask about available discounts to cut the price of car insurance to more affordable rates.

Now that you know what the PLPD insurance Michigan cost is, you are ready to make your decision.

Start looking for affordable Michigan PLPD car insurance now. Just enter your ZIP code below to begin searching for affordable Michigan PLPD car insurance quotes in your area. Find which Michigan PLPD car insurance company is for you.

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Average Monthly Car Insurance Rates by State