Quick Answer
How much does nemt insurance cost in Detroit?
Detroit nemt insurance typically runs $7,000–$11,500/vehicle/yr per vehicle per year for the state-required minimum. Key factors include driver MVRs, vehicle type, Medicaid broker requirements, and loss history. Same-day COIs are available after binding.
Detroit Market Overview
- Michigan has one of the highest Medicaid per-capita enrollment rates in the Midwest
- Henry Ford Health and Detroit Medical Center generate significant NEMT demand
- Molina and Priority Health are the largest Michigan Medicaid MCOs
- Michigan's auto no-fault law affects how NEMT claims are handled
Coverage Options — Detroit
| Feature | Required | Recommended | Premium |
|---|---|---|---|
| Auto Liability (CSL) | $1M CSL (MCO standard) — Michigan no-fault PIP also applies | $1M | $2M+ umbrella |
| General Liability | $1M | $1M | $2M |
| Abuse & Molestation | Required | Required | Required |
| Workers' Comp | If employees | Required | Required |
| Hired & Non-Owned | Recommended | $1M | $1M |
| Physical Damage | Optional | ACV | Stated value |
Approved Brokers We Work With in Detroit
We issue COIs naming any of the above brokers as additional insured — same business day you bind.
Detroit Service Area
Frequently Asked Questions
How does Michigan's no-fault law affect NEMT insurance?+
Michigan requires unlimited PIP (or a selected PIP option) on all registered vehicles, which applies to commercial NEMT vans as well. MCOs still require $1M commercial auto liability on top of the no-fault PIP coverage.
Which MCOs manage NEMT in Detroit?+
Molina Healthcare Michigan, Priority Health Medicaid, McLaren Health Plan, and Blue Cross Complete are the primary Detroit-area Medicaid MCOs. We issue COIs naming each as additional insured same-day after binding.