Michigan Independent Insurance Agency

protect what
matters.

We shop multiple carriers so you get the right coverage at the right price — fast, honest, no runaround.

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AUTOMARINEEVHOMERVPOWERSPORTSCOMMERCIAL
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MI
Michigan No-Fault Specialists
What we cover
01Auto
Michigan no-fault, liability & collision across 75+ carriers
02Marine
Boats & watercraft on Michigan's 11,000 inland lakes
03EV
Specialized electric vehicle & battery coverage
04Home
Protect your home and everything inside it
05RV
Class A, B, C and travel trailers — full-time or recreational
06Powersports
Motorcycles, ATVs & snowmobiles for Michigan riders
07Commercial
Business liability, property & fleet for Michigan companies
Where we're from

Michigan has some of the most unique auto insurance laws in the country.

We live here. We get it.

Michigan's no-fault system is unlike any other state — and getting it wrong costs you. We know every nuance of PIP coverage, mini-tort, and coordinated benefits so you don't have to.

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Why Clutch Risk

We work for you.
Not the carriers.

Independent agents aren't tied to one company. We shop 75+ carriers to find you the best rate — every time.

Fast, honest,
no runaround.

Quotes in minutes. No pressure. No jargon. Just the right coverage explained in plain English.

Born in Michigan.
Built for Michigan.

We know no-fault law, Michigan roads, Michigan weather. Local expertise that a 1-800 number can never give you.

Get started today

Get your free Michigan
insurance quote.

Auto, home, commercial, and specialty coverage. No pressure, no runaround. 269-400-4834 | go@clutchrisk.com

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Clutch Risk is a division of Clutch Administration LLC, a Michigan LLC.|Michigan Insurance License #22231445