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In case of accidents on the road, you must get comprehensive auto insurance in Michigan.

PLPD auto insurance Saginaw MI is your best bet for basic financial protection. 

In this article, discover what liability coverage is all about, PLPD Saginaw MI coverage, and rates. Before we cover the best insurance companies to trust in Michigan, let us cover why it is important to find the right auto insurance package for you.

Michigan Traffic Reports and Trends

There are 7.2 million registered drivers in the state of Michigan. 

According to a Michigan Traffic Report in 2019, 31% of Michigan accidents occurred in intersections. By 2020, overall crashes were down by almost 22% from the previous year since almost 20% fewer drivers were on the road due to the coronavirus pandemic. This is the lowest level of crashes in Michigan since 2010.

However, fatalities were at an all-time high in 2020 at 1,083. This is the highest fatality count in Michigan since 2007. Higher fatality rates along Michigan roads indicate more severe traffic accidents.

Michigan commuters drive an average of 13 miles per day to reach the workplace. This is higher than the national commute time of about 11.8 miles. 

Driving in Saginaw, Saginaw County

Saginaw is a city in Michigan, located at the seat of Saginaw County. Saginaw has a population of around 190,000+, the 12th largest county in Michigan.

On the other hand, the city of Saginaw has a population of about 47,700+, which makes it the 27th largest city in Michigan.

Almost 80% of the Saginaw workforce commutes alone by car during the weekdays. The average commute time is about 18 minutes, less than the national average of 26.5 minutes.

In 2019, Saginaw County was reported to have a total of 5,555 crashes. Eighteen people died from the crashes, while 996 were injured. Property damage was reported to reach a count of 4,541.

Again, most traffic accidents in Michigan occurred in intersections. The Michigan State Police Traffic Crash Reporting Unit reported the top 10 most dangerous Saginaw County intersections:

  1. Bay Rd – Tittabawasee RD, Kochville Twp: 51 Total Crashes, 2 Injuries
  2. State St – Center Rd, Saginaw Twp: 41 Total Crashes, 19 Injuries
  3. State St –  Hemmeter Rd, Saginaw Twp, 28 Total Crashes, 12 Injuries
  4. State St –  Wieneke Rd, Saginaw Twp, 23 Total Crashes, 3 Injuries
  5. State St –  Hill St, Saginaw, 22 Total Crashes, 11 Injuries
  6. Gratiot Rd @ S Center Rd, Saginaw Twp, 21 Total Crashes, 11 Injuries
  7. Bay Rd – ShattuckRD, Saginaw Twp, 19 Total Crashes, 3 Injuries
  8. State St – Michigan Ave, Saginaw, 19 Total Crashes, 3 Injuries
  9. Holland Rd – S Outer Dr, Buena Vista Twp, 18 Total Crashes, 8 Injuries
  10. Dixie Hwy – Hess Ave, Buena Vista Twp, 18 Total Crashes, 4 Injuries

Bay Road holds the first spot as the most dangerous intersection in Saginaw County. The overall crash count increased from 46 crashes in 2019 to 51 crashes in 2020. On the bright side, the injury count decreased from 8 counts in 2019 to only two counts in 2020.

Second on the spot for most dangerous intersection is located in downtown Saginaw. Center Road and State Street in Saginaw Township records heavy traffic. Half of the intersections included in the most dangerous list are located along State Street. Total crashes increased to 41 in 2020 from 36 in 2019. Unfortunately, injuries doubled from 10 counts in 2019 to 19 counts in 2020.

Considering the number of Saginaw, MI commuters plus the alarming number of severe crashes and injuries on Saginaw roads, all drivers should consider getting comprehensive PLPD car insurance Saginaw MI.

What is PLPD auto insurance?

PLPD in Michigan stands for “Personal Liability and Property Damage.” PLPD is the minimum insurance coverage required by Michigan law.

If you are based in Saginaw county, you are required by law to get this basic insurance coverage to get your license plate. Under the no-fault policy, Michigan drivers are required to get at least PLPD auto insurance.

PLPD insurance Saginaw MI allows the insured to have coverage for:

  • Medical expenses
  • Wage loss
  • Repair and replacement services for the other driver’s car
  • Property coverage for other’s property


Michigan PLPD coverage

The Michigan No-Fault policy has three parts:

Personal Injury Protection (PIP)

PIP is central to the No-fault policy. It will cover

  • The insured’s medical expenses with no maximum limit
  • Ensure payment of 85% wage (limit is adjusted annually)
  • Up to $20 daily for routine household services while the insured is confined in the hospital

Property Protection Insurance (PPI)

PPI coverage will cover $1 million in non-vehicular damages, including parked cars, buildings, and fences.

Residual Liability Insurance

This part of the PLPD covers bodily injury and property damage. Insured drivers can be financially protected in case they are sued because of an auto accident.  

The only exception to the residual liability insurance under the no-fault policy are the following:

  • If the insured is found at fault and another person is killed, injured, or permanently disfigured.
  • If the accident involves a non-resident of Michigan and the car is not legally registered in the state.
  • If the auto accident occurs in another state.
  • If found at least 50% at fault, and the accident results in property damage

The minimum coverage for no-fault PLPD if the insured is legally responsible are as follows:

  • Per person: $20,000 if injured or killed
  • Per accident: $40,000 if multiple people are injured or killed
  • Property damage in another state:  $10,000

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PLPD Michigan coverage exceptions

PLPD is the basic insurance coverage required in Michigan. It does not include the following:

Collision and Comprehensive Coverage 

If you are looking for more insurance protection, such as repairs for your car, you should consider full coverage that includes collision and comprehensive insurance. 

PLPD does not cover the insured’s car repairs when involved in an auto accident.


Collision insurance will pay for your car repairs when it is involved in accidental collisions with another car or property. Collision coverage ranges from limited, standard, and broad forms.


This coverage type will pay for costs involved in a stolen car or repairs due to:

  • Animal collisions (deer collisions are common in Michigan)
  • Falling debris
  • Vandalism, fire, or flood

Collision and comprehensive insurance are great options for financed cars.

Limited Liability Insurance (Mini Tort)

Mini tort is an optional insurance coverage that can help drivers found at least 50% at fault in an auto accident if they are sued for damages. 

Your insurance company can pay up to $3,000 in damages if you have mini-tort liability coverage.

Towing and Rental Car Insurance

This will cover the costs of a tow truck or a rental car if the insured’s car breaks down, gets a flat car, or is involved in a car accident. 

PLPD Saginaw MI

The best way to get tailored insurance solutions for your particular needs is to trust an independent insurance agency. By working with an independent agent, drivers do not need to settle for the limited list of products available at one insurance company. Instead, drivers can build a unique insurance portfolio with their specific budget, assets, and needs.

Sure, it is also possible to individually research exclusive insurance companies. The downside to this is that it is difficult to get a side-by-side comparison of the best deals available at the Independent insurance agents can also give you hands-on guidance when it comes to finding the right policies, claims, and discounts for you. 

Consider some of these insurance agencies when looking for the top PLPD car insurance Saginaw MI.

Progressive Insurance

Progressive Insurance is one of the best choices for all Michigan residents because of its affordable prices. Progressive Insurance has the third-largest market share in the US.

Michigan residents who trust Progressive pay an average of only $950 in auto insurance. This is estimated at around $80 per month only. When compared against other insurance agencies in Michigan, Progressive offers better deals in different age groups, credit history, mileage, coverage, and mileage. 

The main selling point of Progressive Insurance aide from their low premiums are their innovative digital tools. Saginaw County residents can access ID cards, file insurance claims, purchase insurance policies, and pay bills all on the Progressive platform or on the mobile application.

Clients can choose from:

  • Liability coverage
  • No-fault coverage
  • Both liability and no-fault coverage

In case a driver has a financed car, collision and comprehensive insurance are also available.


Best PLPD Inc Saginaw MI: Switch Insurance

After more than a decade in the industry, SWITCH Insurance group has become one of Michigan’s most trusted independent agencies, including Saginaw County.

SWITCH Insurance Group works with 10+ of the best insurance agencies in Michigan. With its professional team of insurance experts, clients can be guaranteed that all their unique needs are met. Having served over 3,000 clients, SWITCH insurance has successfully tackled all sorts of financial situations.

This independent insurance agency will make sure to craft an insurance plan that is personalized to your budget, goals, needs, and assets. SWITCH Insurance will then ensure that you get the best rates by comparing prices at different top insurance agencies.

SWITCH Insurance group offers Personal and Commercial insurance to cater to all client’s unique needs. You can find these coverage options below:

Personal Insurance

  • Car 
  • Motorcycle
  • ATV
  • Classic car
  • Home
  • Landlord
  • Condominium 
  • Renters
  • Life Insurance
  • Flood
  • Bloat

Commercial Insurance

  • Business Owners Policy
  • Workers Compensation
  • General Liability Insurance
  • Contractors Insurance
  • Commercial Property
  • Commercial Auto Insurance

All Saginaw drivers can get comprehensive insurance from the SWITCH Insurance group. The independent agency offers multiple options for coverage, including PLPD Insurance in Saginaw Michigan. Clients can also get additional policy riders:

  • Liability coverage or PLPD
  • Personal Injury Insurance
  • Comprehensive Insurance and Collision Insurance
  • Uninsured//Underinsured Motorist Insurance
  • Medical Payments Insurance

Especially considering the alarming crash and fatality rates in Saginaw, Michigan, all drivers must create a personalized insurance solution in recent years. This is why SWITCH Insurance group provides additional policy add-ons:

  • Roadside Assistance
  • Rental Car Reimbursement
  • Gap Coverage

To find the best insurance coverage for you, the SWITCH team will assess:

  • Your potential future liability
  • Age of your vehicle
  • Driving record and history
  • And more

As one of the best independent insurance agencies in the state, SWITCH Insurance group makes it a point to offer the best rates and policies for a hassle-free and painless transaction. This is all possible through the SWITCH automatic quote comparison page.

Switch online PLPD quote calculator

SWITCH comparison site makes finding a PLPD rate easy and quick for all clients. Simply enter your zip code name and email address, and SWITCH will automatically give you a comprehensive list of the best PLPD auto insurance Saginaw MI options.

Considering the number of commuters and crash statistics in Saginaw County, Michigan, drivers must find comprehensive insurance coverage to protect their safety and finances in times of auto accidents.

Saginaw drivers should trust an independent insurance agency to craft personalized insurance coverage based on their assets, needs, and budget. SWITCH Insurance Group is one of the most trusted independent agencies in Michigan. With their SWITCH online quote calculator, drivers can find the best PLPD Insurance in Saginaw Michigan.


Call us 24/7 to speak live! (833) 975-2378


Call us 24/7
(833) 975-2378

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