Michigan Auto Insurance That Actually Makes Sense

Stop overpaying to renew — Prysock Insurance Group shops Progressive, Allstate, AAA, Travelers, GEICO, and more to find the right coverage at the right price, and we explain every line of your policy in plain language.

Parents securing their child in a car seat inside a vehicle.

Michigan drivers pay some of the highest auto insurance premiums in the country, and the 2020 no-fault reform that was supposed to bring relief left most people more confused than before. If you're not sure what PIP level you're carrying, whether your health plan qualifies for the coordination option, or why your renewal keeps climbing, you're not alone — and you don't have to sort it out by yourself.

 

At Prysock Insurance Group, we've been placing auto insurance in Michigan for more than four decades. We know the corridors where claims happen — M-59, I-75, Rochester Road — and we know how to build a policy that holds up when you need it.

Michigan No-Fault PIP, Explained Without the Jargon

Michigan's no-fault law requires every driver to carry Personal Injury Protection, but since the 2020 reform, you now have a choice about how much. The right level depends on your health coverage, your household, and your budget — and picking the wrong one can cost you significantly in either premiums or out-of-pocket exposure after an accident.

 

Here's how the PIP levels work:

 

  • Unlimited PIP — Full medical coverage for injuries from an auto accident, with no dollar cap. Required if no one in your household has qualifying health insurance.
  • $500,000 PIP — A high-limit option for households that want substantial protection without unlimited exposure.
  • $250,000 PIP — A mid-tier option that reduces your premium while maintaining meaningful medical coverage.
  • $250,000 with exclusion — Available when certain household members have other qualifying coverage; excludes those individuals from the auto PIP benefit.
  • $50,000 PIP — Available only to Medicaid-enrolled individuals who meet specific eligibility criteria.
  • PIP opt-out — Available only to Medicare Parts A and B enrollees. Eliminates the PIP premium entirely for qualifying seniors.
  • Coordinated PIP — If you have a qualifying employer or individual health plan, you can coordinate your PIP with that plan. Your auto insurer pays second, which can meaningfully reduce your premium — but you need to verify your health plan qualifies before making this election.

 

We walk through each option with you before anything is bound. For a deeper look at how Michigan's no-fault system works, the Michigan no-fault auto insurance guide on our blog covers the full picture.

Why Your Premium Keeps Climbing — and What We Do About It

Michigan consistently ranks among the most expensive states for auto insurance, and renewal increases have outpaced inflation in recent years. If you're renewing with the same carrier year after year without shopping, you're almost certainly leaving money on the table.

 

As an independent agency, we're not tied to any single company. We re-shop your coverage across eight or more carriers — including Progressive, Allstate, AAA, Travelers, and GEICO — every time your policy comes up for renewal. When a better rate exists for your profile, we find it.

 

Carriers we work with for auto insurance include:

 

  • Progressive
  • Allstate
  • AAA
  • Travelers
  • GEICO
  • And additional markets depending on your driving history and coverage needs

What We Can Cover Under Your Auto Policy

A complete auto policy is more than liability and collision. Depending on your situation, your policy may include:

 

  • Liability coverage — Pays for damage and injuries you cause to others
  • Personal Injury Protection (PIP) — Covers your medical expenses and lost wages after an accident, regardless of fault
  • Property Protection Insurance (PPI) — Michigan-specific coverage for damage your vehicle causes to others' property
  • Collision — Covers damage to your vehicle from an accident
  • Comprehensive — Covers theft, weather, fire, and non-collision damage
  • Uninsured/underinsured motorist — Protects you when the other driver doesn't carry adequate coverage
  • Roadside assistance and rental reimbursement — Practical add-ons that matter when you're stranded or in a shop
  • SR-22 filing — If your license has been suspended or you've been required to file proof of financial responsibility, we handle SR-22 filings and place coverage accordingly

 

If you need a policy today — whether you just purchased a vehicle, let a prior policy lapse, or need proof of insurance for a loan or lease — we offer same-day quoting. Upload your current declarations page when you request a quote and we'll use it to match your existing coverage or identify gaps.

Serving Drivers Across Rochester Hills and Oakland County

We work with drivers throughout Rochester Hills, Rochester, Troy, Sterling Heights, Shelby Township, and the broader Oakland County area. Whether you're commuting on I-75, navigating the M-59 corridor, or putting miles on a vehicle for work, we understand the local risk environment and place coverage accordingly.

 

You can reach us by phone, book an appointment, or start your quote online. We're a local agency — when you call, you reach someone who knows your policy.

Frequently Asked Questions About Auto Insurance in Michigan

  • How much PIP coverage do I need in Michigan?

    It depends on your health insurance situation. If you have a qualifying employer or individual health plan, you may be able to coordinate your PIP and select a lower limit — reducing your premium without leaving yourself exposed. If you have Medicare Parts A and B, you may qualify to opt out of PIP entirely. We review your household's health coverage before recommending a PIP level so you're not paying for coverage you already have, or skipping protection you actually need.

  • Can I get a cheap car insurance quote in Rochester Hills without sacrificing coverage?

    Yes — but "cheap" is relative to your driving history, vehicle, and coverage selections. What we can do is shop your profile across eight or more carriers to find the most competitive rate for the coverage you actually need. Dropping coverage to hit a price point often costs more after a claim than the premium savings were worth. We'll show you the tradeoffs clearly.

  • How does the coordinate-with-health option work for Michigan PIP?

    If your health insurance plan qualifies under Michigan law, you can elect to have your health plan pay first for medical expenses after an auto accident, with your auto PIP paying second. This is called coordination, and it can significantly reduce your PIP premium. Not all health plans qualify — HMOs and some employer plans have specific requirements — so we verify eligibility before recommending this election.

  • Do you handle SR-22 filings?

    Yes. If you've been required to file an SR-22 as proof of financial responsibility — following a DUI, license suspension, or lapse in coverage — we place auto coverage and file the SR-22 on your behalf. We work with carriers that accept higher-risk profiles, and we can often get coverage bound the same day.

  • What if I just bought a car and need insurance today?

    Upload your prior declarations page when you submit a quote request and we'll work to match or improve your existing coverage. Same-day quoting is available for most standard personal auto situations. If you're purchasing a vehicle and need proof of insurance before you drive it off the lot, call us directly and we'll prioritize your request.