Gross Insurance Agency
52 E Main St, Adrian, MO 64720
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Adrian households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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52 E Main St, Adrian, MO 64720
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Adrian residents.
Adrian MI home insurance costs less than state averages, but winter weather and older homes affect rates. Learn what coverage you need and how to save money.
Michigan requires all drivers to carry 50/100/10 liability coverage, which means $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $10,000 for property damage. You also need Personal Injury Protection (PIP) coverage, which you can choose at unlimited, $500,000, $250,000, or $50,000 levels depending on your situation. These requirements apply statewide, including in Adrian and Lenawee County.
Adrian residents pay an average of $1,652 per year for full coverage auto insurance and about $764 for minimum liability coverage. These rates are lower than Michigan's historical averages thanks to 2019 insurance reforms. Your actual cost will vary based on factors like your driving record, age, credit score, vehicle type, and chosen PIP coverage level.
Yes, standard homeowners insurance policies in Michigan typically cover tornado and wind damage to your home and belongings. This includes damage from flying debris, destroyed roofs, and water damage that results from rain entering through storm-damaged areas. However, flood damage from rising water requires a separate flood insurance policy and is not covered by standard homeowners insurance.
While not legally required, flood insurance is worth considering even if you're not in a designated flood zone. Michigan has over 10,000 lakes, and Adrian's location near the River Raisin watershed means water damage can occur during heavy spring rains or rapid snowmelt. Flood insurance in Michigan averages $886 per year and covers damage that standard homeowners policies exclude.
The MCCA fee is a per-vehicle charge that funds Michigan's catastrophic injury coverage system. For 2025, the fee is $90 if you choose unlimited Personal Injury Protection (PIP) coverage and $20 if you select a lower PIP option like $500,000, $250,000, or $50,000. This fee is added to your auto insurance premium and applies to all Michigan drivers.
Local agents in Adrian offer distinct advantages—they understand regional risks like severe weather patterns, know which neighborhoods have older infrastructure, and can provide personalized service during claims. With six local agencies serving Adrian and Lenawee County, you have options. While online quotes can be convenient for comparison shopping, a local agent can help you navigate Michigan's unique no-fault system and find coverage that fits your specific needs and budget.
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