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Michigan has more than 6.9 million licensed drivers, which is nearly 70 percent of the state’s population. That’s more drivers than most other states have. Based on our study of seven of the largest insurance companies, the Great Lakes State has an average insurance representative rate of about $2,400, which is more than double the study rates in neighboring states like Indiana and Ohio.

On the plus side, Michigan is a no-fault insurance states, which means more coverage for you no matter who is at fault for an automotive accident. Additionally, no-fault insurance covers all family members living in the same household. Still, you may want to consider adding additional coverage, as the basic no-fault plan has limited protection from some potential legal fees and property damage costs.

Cheapest Car Insurance Companies in Michigan

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from 10 largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance in Michigan

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings. 

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

How Much Does Car Insurance Cost in Michigan?

See the Cheapest Car Insurance Companies

The insurance rate you pay varies based on what insurance company you have a policy with. Geico offers the cheapest car insurance in Michigan, with an average annual study rate of about $1,200.  That’s less than half the state's average representative rate, and thousands of dollars less than the most expensive company, Allstate, which charges an average annual study rate of about $4,100 in Michigan.

USAA, Progressive, and Travelers all have study rates that are below the state average, while Nationwide, State Farm and Farmers join Allstate in the more expensive end of the range.

Michigan Car Insurance Rates by Age

To determine the average rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

While average study rates didn't vary much between profiles based on gender, there was a pronounced difference when using profiles of different ages. Our 25-year-old driver profiles had average study rates of about $2,700. Representative premiums dropped to about $2,400 and $2,200 for the 35- and 60-year-old driver profiles, respectively. 

Across all three age groups, Allstate remained the most expensive, and Geico was consistently the cheapest. Only two companies charged different rates to male and female driver profiles of the same age: Progressive and USAA.

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$4,354.51

$4,354.51

$4,134.00

$4,134.00

$3,824.77

$3,824.77

Farmers

$3,404.13

$3,404.13

$2,990.70

$2,990.70

$2,644.20

$2,644.20

Geico

$1,256.54

$1,256.54

$1,240.87

$1,240.87

$1,236.05

$1,236.05

Nationwide

$3,234.80

$3,234.80

$2,913.11

$2,913.11

$2,562.74

$2,562.74

Progressive

$1,926.48

$2,049.05

$1,634.93

$1,744.35

$1,667.30

$1,503.77

State Farm

$3,365.97

$3,365.97

$2,915.99

$2,915.99

$2,746.11

$2,746.11

Travelers

$2,448.26

$2,448.26

$2,169.86

$2,169.86

$1,796.20

$1,796.20

USAA

$1,539.94

$1,602.89

$1,302.02

$1,369.12

$1,225.47

$1,289.71

Michigan Car Insurance Rates by Annual Mileage

We created two driver profiles to compare how annual mileage can change car insurance rates in Michigan. One with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Driver profiles with lower annual mileage generally get better study rates than those who drive more miles. The difference isn't huge, though, amounting to only about a $60 difference in study rates each year between the high mileage profile and the one with low mileage.

Company

6,000 miles annually

12,000 miles annually

Allstate

$4,104.43

$4,104.43

Farmers

$3,013.01

$3,013.01

Geico

$1,167.38

$1,244.49

Nationwide

$2,903.55

$2,903.55

Progressive

$1,754.31

$1,754.31

State Farm

$2,696.43

$3,009.36

Travelers

$2,103.18

$2,138.11

USAA

$1,340.29

$1,388.19

Michigan Car Insurance Rates by Credit Score

Our study verified that credit score also affects car insurance rates using male and female driver profiles with ages of 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and up to 12,000 miles driven per year. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

Customer profiles with good credit are awarded better representative rates than those with poor credit. Based on our analysis, a driver profile with good credit would pay an average study rate that is about $700 less than the profile with fair credit, and about $3,200 less than the profile with poor credit.

Allstate, Farmers, State Farm, and USAA were all particularly harsh to the profile with poor credit. They more than doubled the study rates for the poor credit profile over the one with good credit. 

Company

Good

Fair

Poor

Allstate

$4,104.43

$5,460.38

$11,323.73

Farmers

$3,013.01

$3,539.80

$8,358.30

Geico

$1,244.49

$1,495.83

$1,981.70

Nationwide

$2,903.55

$3,381.85

$4,463.64

Progressive

$1,754.31

$2,289.58

$3,319.29

State Farm

$3,009.36

$4,364.31

$8,487.07

Travelers

$2,138.11

$2,598.77

$4,016.67

USAA

$1,388.19

$1,795.72

$3,168.65

Michigan Car Insurance Rates by Driving Record

As you might expect, a person's driving record has a large impact on insurance rates, according to our study. To find out just how much of an effect, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females with up to 12,000 miles driven per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Avoiding driving infractions is a great way to get the best insurance rates in Michigan. With one speeding violation, the average rate in our study increased by about $1,000 compared to a profile with a clean record. Study rates jumped up by $1,500 with an accident and by $5,200 with a DUI. Profiles with Allstate and Travelers saw their study rates increase to about $22,900 and about $10,500 with a DUI over their base representative rates for a clean record of $4,100 and $3,000, respectively. 

According to our analysis, State Farm considers a speeding ticket a higher risk factor than an accident, which is unusual compared to its rival companies. This insured offered the profile with a speeding ticket a representative rate of about $4,400, but for the profile with an accident, State Farm's study rate was only about $3,600.

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$4,104.43

$5,678.56

$6,929.30

$22,896.43

Farmers

$3,013.01

$3,852.82

$4,038.28

$3,962.86

Geico

$1,244.49

$2,192.73

$2,449.68

$7,572.86

Nationwide

$2,903.55

$3,412.12

$4,436.81

$3,922.56

Progressive

$1,754.31

$2,356.36

$2,584.45

$2,249.51

State Farm

$3,009.36

$4,393.79

$3,563.13

$7,439.60

Travelers

$2,138.11

$3,902.42

$5,447.97

$10,459.00

USAA

$1,388.19

$1,528.42

$1,811.35

$2,320.57

Michigan Car Insurance Rates by Coverage Level

Most major insurers offer car insurance coverage in three general tiers: low, medium, and high (even if they don’t necessarily advertise it as such). We created identical profiles in our study to represent drivers, then found out how rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and up to 12,000 miles driven annually. We used both males and females with the ages of 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis. 

Basic coverage – the minimum required insurance policy – is generally the least expensive coverage option available from any insurance company. In Michigan, low coverage insurance has an average study rate of about $2,400, medium coverage is about $2,450, and high coverage has a representative premium of about $2,500. With many insurance companies in Michigan, the difference is less than $10 per month for a substantial increase in coverage. This added cost would be more than worth it considering the medical and repair costs in the tens of thousands of dollars that come after a car accident.

Company

Low

Medium

High

Allstate

$3,960.07

$4,104.43

$4,212.50

Farmers

$2,953.64

$3,013.01

$3,082.36

Geico

$1,193.86

$1,244.49

$1,322.55

Nationwide

$3,074.80

$2,903.55

$2,873.28

Progressive

$1,713.64

$1,754.31

$1,792.48

State Farm

$2,841.77

$3,009.36

$3,123.85

Travelers

$2,105.76

$2,138.11

$2,162.19

USAA

$1,345.75

$1,388.19

$1,422.10

Michigan Car Insurance Rates by City

We checked our study's driver profiles in some of Michigan's largest cities to find out how city of residence can affect insurance rates. Our profiles are based on 25-, 35-, and 60-year-old males and females with a clean driving record, 12,000 miles driven per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

The lowest insurance study rates in Michigan are in Ann Arbor and Grand Rapids, at about $2,000 per year. Lansing isn't far behind, around $2,100. On the opposite end of the range, Detroit is by far and away the city with the highest study rates, at about $6,400. With a representative premium of around $5,300, Dearborn is the second priciest. Many other cities in Michigan have study rates in the range of $2,500 to $3,700.

City

Average Rate

Detroit

$6,429.15

Grand Rapids

$2,012.13

Warren

$3,652.42

Sterling Heights

$3,099.98

Ann Arbor

$1,959.51

Lansing

$2,146.45

Flint

$3,715.25

Dearborn

$5,295.56

Livonia

$2,616.93

Troy

$2,668.77

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Michigan Auto Insurance Minimum Coverage Requirements

All Michigan drivers are required to purchase no-fault auto insurance. The Basic no-fault policy has three parts: personal injury protection (PIP), property protection (PPI), and residual liability insurance (bodily injury and property damage).

PIP coverage pays for any reasonably necessary medical expenses (with no maximum limit) resulting from injury in an accident. It will also cover up to 85 percent of the income you would have earned had you not been hurt, for up to three years. The lost income amount limit changes each year. As of this writing, the maximum is $5,700 per month. If you are killed in an auto accident, your policy will pay your family a maximum of $5,700 per month for three years, depending on your circumstances. The basic policy also entitles you to $20 per day in replacement services, such as hiring household help if you’re unable to complete some tasks due to injuries.

PPI coverage includes up to $1 million for damages caused by your car to another person’s property in Michigan. This includes damage done to fences, buildings, and properly parked cars. Bodily injury (BI) and property damage (PD) coverage protects insured persons from being sued as a result of an auto accident, with a few exceptions.

Your required minimum coverage no-fault policy will cover up to a certain amount if you are found liable for an accident. Although insurance companies offer additional coverage with higher limits, the minimum coverage offers up to $20,000 for a person who is hurt or killed in an accident, up to $40,000 for each accident if several people are hurt or killed, and up to $10,000 for property damage in another state. This coverage combination is known as 20/40/10.

Cheapest Car Insurance in Michigan

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Single Young Adult Drivers

Geico

Married Adult Drivers

Geico

Senior Drivers

Geico

Drivers with Good Credit

Geico

Drivers with Poor Credit

Geico

Drivers with a Clean Record

Geico

Drivers with One Speeding Violation

Geico

Drivers with One Accident

Geico

Drivers with One DUI

Progressive

Low-mileage Drivers

Geico

High-mileage Drivers

Geico

Drivers with Low Coverage

Geico

Drivers with High Coverage

Geico

Drivers with Used Cars

Geico

Drivers with New Cars

Geico

(Kittisak Jirasittichai / EyeEm / Getty Images)

To find which car insurance company offers the lowest rates in Michigan, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included male and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

In our analysis, Geico offered the lowest study rates for nearly every driver profile. In many cases, Geico's representative premium was less than half the price of some rivals' study rates. Progressive beat out Geico in one category, and offered a lower representative rate to a profile with a DUI. 

Why Car Insurance Rates Vary in Michigan

Car insurance rates vary in Michigan based on where you live.  Congested areas with high crime and lots of traffic carry more risk from theft, vandalism, and accidents, so insurance rates in those areas tend to be higher.

Insurance rates also vary for different type of drivers. New drivers, single drivers, and drivers with poor credit represent a higher risk of an accident. As such, these groups tend to pay higher insurance rates. Drivers with previous accidents, DUI convictions, or lots of traffic tickets also pay higher rates.

How to Get the Cheapest Car Insurance in Michigan

You should also shop around and ask insurance companies about discounts and coverage options. For example, lots of insurers offer policy holders discounts for insuring cars that come with active safety equipment like a rearview camera, anti-lock brakes, and anti-theft devices. However, your insurer may put a limit on the number of discounts that can be applied to your policy.

You could potentially save money by adding extra protection beyond the mandatory coverage. Some insurance companies will deduct a percentage from your premium if you add collision and/or comprehensive coverage to your policy. However, if you have an older car, the extra cost of more coverage may not be a good value. You can also get group discounts or save money by insuring more than one car under the same policy. Good credit and a clean driving record can also have a positive impact on your insurance rates.

Be sure to consider the cost of insurance before purchasing your next car, as the year, make, and model of a vehicle is a major factor in policy pricing. You should get multiple insurance quotes before you purchase either a car or an insurance policy. Increasing your deductible is another common way to lower your insurance bill. That means, the more money you’re willing to pay in the event of an accident, the more you could save overall.

Ask your insurance agent about coordinating your health insurance with your car insurance. If you’re injured in an accident and your health insurance covers most of the expenses, your insurance company may pay the remainder and offer you a discount.  

There are things you can do as a driver to improve your insurance rates. Michigan offers a Defensive Driving Course, known as a Basic Driver Improvement Course (BDIC). It teaches motorists defensive driving techniques, state traffic laws, violations, and road rules. You can take the course online or in a classroom. The class lasts from four to 12 hours, depending on court orders or DMV requirements. Upon completing the course, you must pass the final exam. Benefits from completing the class include potential insurance discounts based on things like an improved driving record, a reinstated license, or traffic ticket dismissals.

Insurance companies assign policy holders eligibility points to determine their rate based on risk factors. The fewer violations you have, the fewer points you’re given, which means you pay a lower premium. These points are not the same as those on your driving record. Insurance companies would give you four points for careless driving (driving more than 15 mph over the speed limit) and for having two or more accidents in which you are more than 50 percent at fault. You get three points for driving 11 to 15 mph over the speed limit or for the first accident in which you are more than 50 percent at fault. Two points are given for other moving violations or driving 15 mph over the speed limit on freeways that previously had a speed limit of 70 mph.

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Important Laws Around Auto Insurance in Michigan

Michigan requires every car owner to have no-fault insurance, which pays for medical expenses, wage loss, benefits, replacement services, and damage you cause to another person or their property, regardless of who is at fault. Basic no-fault insurance does not cover car repair expenses. Most states are at-fault states, which means that in an accident involving two or more motorists, the one at-fault driver is liable for the other parties’ damages. In general, the at-fault motorist’s bodily injury insurance would cover other drivers’ medical costs, and their property damage insurance would cover car repairs. Still, you should consider collision and comprehensive insurance, as no-fault insurance does not cover repairs if your car is damaged in an accident. Other options available by some insurers include towing and rental coverage or limited property liability insurance (mini-tort).

Michigan provides auto liability coverage for people who don’t own a vehicle but use one owned by someone else. This policy, called non-owner coverage, is a practical option for people who rarely drive, as it meets the state’s minimum auto insurance requirements. It’s also a cheaper option than most policies for car owners. Keep in mind, however, that it doesn’t come with as much protection as most other policies. Available extended non-owner policies provide auto liability coverage to a driver of a non-owned vehicle used for business purposes.

Michigan Driving Laws and Punishments

In 2016, distracted drivers were the cause of nearly 12,790 car accidents in Michigan, resulting in 43 fatalities and 5,103 injuries, according to the Michigan State Police Criminal Justice Information Center. Accidents caused by drivers using cell a phone made up 15 percent of the total distracted driver accidents in 2016.

Distracted driving in Michigan includes operating a motor vehicle on a street or highway while eating, drinking, talking to passengers, grooming, reading (including maps), using a PDA or navigation system, watching a video, adjusting media functions (including the radio), or playing loud music. You are permitted to use a mobile device while driving under certain emergency conditions, including to report a traffic accident, medical emergency, or serious road hazard. You may also use your phone if you’re concerned for your own safety or that of someone else’s, or to prevent or report a crime.

Michigan also bans the use of certain electronic devices while driving. It’s illegal to drive while using a cell phone or other wireless two-way communication device that doesn’t include a navigation or GPS system affixed to the vehicle.

(Raymond Boyd / Getty Images)

Texting and driving are illegal under Michigan law. You’re prohibited from typing, reading, or sending a text message while operating a vehicle in the state. There is a $100 fine for a first-time texting and driving offense in Michigan. Subsequent offenses carry a $200 fine. Distracted driving offenses do not have a negative impact on or add points to your driving record.

Distracted driving is the leading cause of teen deaths in the U.S., according to the AAA Foundation for Traffic Safety. Michigan’s Kelsey’s Law bans teen drivers with Level 1 or Level 2 Graduated Drivers licenses from using a mobile phone to initiate a call, answer a call, or engage in verbal communication through a mobile phone. Violations may result in fees up to $240. There are exceptions for reporting crashes, crimes, medical emergencies, road hazards, and situations in which you’re concerned for your own safety or that of others. Voice-activated features integrated into the car are also exempt.

There are thousands of injuries and hundreds of deaths due to alcohol- and drug-related auto accidents in Michigan every year. Under Michigan law, it is illegal to drive while impaired or intoxicated by alcohol, illegal drugs, and some prescribed medications. It’s a crime to drive with a blood alcohol content (BAC) of 0.08 percent or more. A 0.17 percent or greater BAC is considered a High BAC. It’s also illegal to have any amount of cocaine or a Schedule 1 controlled substance in your body while driving.

If you’re 21 years old or younger, you’ll receive a Zero Tolerance charge for having a BAC of 0.02 to 0.07 percent, or any presence of alcohol in your body. The one exception is for small amounts of alcohol consumed during religious ceremonies.

Michigan’s Anti-Drunk and Drugged Driving laws require violators to complete a number of mandatory steps to clean up their record and regain driving privileges. Courts decide drunk driving and drugged driving cases within 77 days of the arrest. There is a mandatory 6-month driver license suspension, even for a first conviction. The driver may be eligible for a restricted license after serving 30 days of the suspension.

Michigan Car Insurance FAQs

Insurance is required in Michigan, and it is against state law to drive or let your car be driven without no-fault auto coverage. With this coverage, your auto insurance will pay for any reasonably necessary costs with no maximum limit, in addition to up to $20 per day for wage losses for up to three years. Required auto coverages include bodily injury (BI), property damage (PD), personal injury protection (PIP) and property protection (PPI).

You’re required to carry proof of your Michigan no-fault auto vehicle with you any time you drive. The Secretary of State may suspend your driver’s license until there is proof of insurance. You may be required to prove that a car is insured for no less than six months and pay $50, plus any other required fees. The state will not renew, transfer, or replace your car’s license plate without valid insurance, and your plates may be canceled under failure to produce valid insurance.

Which cars are required to be insured in Michigan?

Michigan requires no-fault insurance coverage for all passenger vehicles, vans, and light trucks. Motorcycles don’t require no-fault coverage, but they do require insurance.

Residual bodily injury (BI) and property damage liability (PD) coverage pays – up to the limits of your policy – for your legal defense expenses and any damage you are found liable for as a result of an accident in which someone was seriously injured or killed. Every vehicle must have a minimum coverage of $20,000 per person in the event someone is hurt or killed in an accident, $40,000 for each accident if several people are hurt or killed, and up to $10,000 in the event that your vehicle causes property damage in another state. This combination is commonly called 20/40/10 coverage. However, you can also purchase increased limits of BI liability coverage. For example, you could increase your limits to cover $50,000 for each person hurt or killed in an accident, $100,000 per accident, and $20,000 for property damage. You should speak with your insurance company or agent about possible coverage combinations available to you.  

When should I get car insurance in Michigan?

Michigan requires all drivers to have car insurance, so be sure you have coverage before getting behind the wheel. If you plan to purchase a car in Michigan, you should start researching insurers, considering policies, and comparing rates as early as possible to find the best value for you.  

What happens if my car is not properly insured in Michigan?

If you own or drive a car, or allow someone else to drive yours, you’re required to have basic no-fault auto insurance. You can be sued or held legally responsible for any injuries or damages (including your own) that result from an accident. You could also be convicted of a misdemeanor and fined between $200 and $500, put in jail for up to one year, or both.

Failure to present proof of valid car insurance with a paper or digital insurance card can result in a $195 fine if paid with 14 days, or $235 thereafter. Your license may also be suspended for 30 days or until you can verify your insurance.

Is Michigan a no-fault state?

Yes, Michigan is a no-fault state. No-fault auto insurance is required by Michigan law. All vehicle owners must buy certain insurance coverage in order to register a vehicle in Michigan. Michigan’s no-fault coverage includes three types of protection: personal injury protection (PIP), property protection insurance (PPI), and residual liability insurance, which includes bodily injury (BI) and property damage (PD) coverage.

Do I need uninsured motorist coverage in Michigan?

No, neither uninsured motorist insurance nor underinsured motorist bodily injury insurance is required in Michigan, but they are available from some insurers. With this coverage, you are compensated for bodily injury and excess wage loss if you or a family member is seriously injured and is unable to recover damages from an uninsured or underinsured driver at fault for an accident.

Is liability insurance required in Michigan?

Yes, liability insurance is required in Michigan. Liability coverage is included with your no-fault insurance policy, which state law requires for every vehicle. It covers the costs of bodily injury and property damage as the result of an accident. Liability insurance pays for losses to other people and their property caused by the policy holder’s negligence. It also covers legal costs and legal payouts for which the insured would be responsible if found to be at fault for an auto accident.

Does Michigan accept digital insurance cards?

Yes, Michigan accepts digital cards as proof of insurance. You can display an image of your insurance card with cell phones, smartphones, computers, tablets, and other electronics with a digital display. An officer viewing an electronic insurance card is only allowed to view the proof of insurance, as displaying a digital insurance card is not a presumption of consent to a search. However, an officer may require you to send a copy of your insurance to a safer location where they can verify your information. The state, law enforcement, and state employees are not responsible for any damage that occurs as the result of viewing an electronic device for insurance verification, regardless of who was in possession of the device as the time the damage or occurred.

Both paper and digital cards are required to show the policy expiration date, a description of the vehicle, the name of each person on the policy, policy declaration, or a declaration certification whose operation of the automotive would void the liability coverage.

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