Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 14, 2020

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Key takeaways...

  • Michigan offers coverage for high-risk drivers through the MAIPF program
  • Any driver who is denied coverage through the voluntary car insurance market may be eligible for the MAIPF program
  • It’s illegal to drive without some type of insurance coverage

Michigan state laws allow drivers unable to get coverage through the voluntary auto insurance market a chance to be eligible for coverage through a state program called the Michigan Auto Insurance Placement Facility or MAIPF for short.

Think of the MAIPF has a program where the State forces car insurance companies to insure you.

Although the MAIPF was created by Michigan laws it’s not actually a government entity but rather a pooling mechanism to share costs and spread servicing of high-risk applicants across several car insurance companies.

Need car insurance in Michigan? Enter your zip code above and start comparing quotes for FREE!

Table of Contents

Are car insurance rates higher through the Michigan Auto Insurance Placement Plan?

Yes, however, there are limits to how much a car insurance company can charge.

If you are eligible, then a car insurance company can not deny you coverage unless of course, your driver’s license is suspended or revoked along with a few other obvious reasons.

Once approved, the Michigan Auto Insurance Placement will notify you of which company will service your car insurance policy.

Currently (2010) only 5 companies are mandated by Michigan State law to participate in this program so your service provider will be either:

  • Allstate Insurance Company
  • Auto Club Insurance Association
  • Auto-Owners Insurance Company
  • Citizens Insurance Company of America
  • State Farm Mutual Auto Insurance Company

It’s likely one of the same car insurance companies who denied you in the first place!

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Who is eligible for the Michigan Auto Insurance Placement Plan?

Any driver who is denied coverage through the voluntary car insurance market may be eligible for the MAIPF program. Complete details can be found on the MAIPF website located maipf.org or by contacting a licensed Michigan auto insurance agent.

Due to the need for car insurance for anyone operating a vehicle, states like Michigan have laws which require car insurance companies to offer coverage to everyone including high-risk drivers.

Car insurance companies can deny coverage to high-risk drivers, however, when state law requires it, must be available to everyone and denial of coverage was happening far too often so Michigan created laws to help all drivers obtain car insurance.

Not sure if you are high risk? Many car insurance companies still offer affordable policies to drivers with minor violations so always be sure to compare car insurance quotes online.

Ready to find Michigan car insurance Companies? Enter your zip code below to get started for FREE!

References:

  1. https://www.allstate.com/
  2. https://www.auto-owners.com/
  3. https://www.statefarm.com/insurance/auto/claims