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Cheapest Car Insurance in Michigan

Welcome to our guide on securing the cheapest car insurance in Michigan for September 2023. Whether you’re a teen, a young adult, or a seasoned driver, we’ve got you covered.
Cheapest Car Insurance in Michigan
Cheapest Car Insurance in Michigan
In this blog, we’ll delve into the factors influencing the cheapest car insurance in Michigan and help you uncover the best deals tailored to your age, credit history, driving record, and more.
In this article

Car insurance is a financial safety net for drivers, offering assurance and compliance with legal requirements. Protecting against unforeseen accidents is an essential investment. While Geico, Progressive, and State Farm often provide competitive rates, the “cheapest” policy varies according to personal circumstances. Factors like location, driving history, and coverage must shape the cost. Comparing quotes from multiple insurers is vital to discovering the most economical option. Let’s explore the cheapest car insurance in Michigan.

As reported by IBISWorld, the automobile insurance industry not only supplies coverage but also invests a portion of premiums. Rising claims due to increased traffic and repair expenses have increased premium prices. Although the industry experienced growth, the pandemic created revenue pressure. Revenue is expected to reach $353.3 billion in 2023, with a 1.3% increase. Profit, although high, is projected to dip to 11.6% of revenue in 2023, down from 11.9% in 2018.

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Cheapest Car Insurance in Michigan – February 2024

In Michigan, the typical monthly expense for full coverage car insurance averages $269. When seeking affordable car insurance, your best approach is to conduct a comprehensive search, comparing quotes from various insurance providers.

The yearly average cost of full-coverage auto insurance in Michigan is approximately $3,226, equating to around $269 monthly. This price point underscores the importance of exploring cost-effective alternatives.

For those considering minimum coverage in Michigan, the average annual cost is $1,103. However, it’s worth noting that more budget-friendly options are available. Take, for instance, Travelers, which extends the most economical rates in the state. Their average yearly premium for minimum coverage car insurance for a 35-year-old driver with a clean record stands at just $139. This option illustrates the potential for significant savings when comparing insurance policies diligently.

Also know about: Usage-based car insurance

What is the cheapest car insurance in Michigan?

The cheapest car insurance in Michigan can vary depending on age, driving history, and coverage needs. However, as of the most recent analysis, Secura emerges as one of the most cost-effective options. They offer an average annual rate of approximately $984 or around $82 per month for full coverage car insurance, making them a competitive choice for Michigan residents seeking affordable coverage. Nevertheless, it’s essential to remember that individual circumstances significantly determine the ultimate cost. Hence, comparing quotes from multiple insurers remains crucial to securing the best deal.

The rates listed below are informational; your circumstances will determine actual costs. An essential tip to securing affordable car insurance is to compare quotes from various insurers offering the same coverage type and amount, whether in Michigan or elsewhere.

Company Annual PremiumMonthly Premium
Progressive$1,069$90
Geico$1,138$95
USAA$1,216$102
Travelers$1,416$118
Meemic Auto Insurance$1,687$140
State Farm$2,078$174
Statewide Average$2,130$177
Farmers$3,203$267
Hanover Insurance$5,231$436

Table 1.0: Average annual cheapest car insurance cost.

How we chose the cheapest companies in Michigan

Selecting the most affordable car insurance providers in Michigan involved a rigorous process. We began with thorough research into the state’s current insurance landscape, evaluating rates from numerous insurers for full and minimum coverage options. We also considered real-world driver profiles and scenarios, accounting for age, driving history, credit status, and incidents like speeding tickets, at-fault accidents, and DUIs.

Customer feedback and satisfaction ratings played a significant role in our assessment, as a company’s reputation for service quality and claims processing can significantly impact the overall value of insurance.

By integrating all these elements, we compiled a comprehensive list of Michigan’s cheapest car insurance companies, ensuring readers receive accurate and valuable insights tailored to their unique insurance needs.

also know about: Non-Owner Car Insurance

Cheap car insurance in Michigan

Even in a state known for high rates, securing affordable car insurance in Michigan is possible. Several insurance companies offer competitive pricing. Some notable options include Secura, with an average full coverage rate of around $82 per month, and Travelers, providing minimum coverage for approximately $139 per year.

Geico, Progressive, and State Farm are also recognized for their competitive rates. It’s essential to obtain quotes from multiple insurers, considering factors like age, driving history, and credit score, to find the cheapest car insurance in Michigan for your specific circumstances and then choose the policy that best aligns with your needs and budget.

You can use Beem to monitor your debt and check your credit score progress in real-time.

Cheap car insurance in Michigan
Cheapest Car Insurance in Michigan 5

Michigan Rates for Teen Drivers

Michigan’s rates for teen drivers are typically higher due to their limited experience and increased risk. Progressive stands out as the cheapest option for minimum coverage, offering a policy for around $91 per month or $1,094 per year, which is 53% less than the state average.

Military members, veterans, and their families can secure even more affordable quotes from USAA, with their minimum coverage policy costing approximately $40 per month, $51 less than Progressive’s rate.

After a speeding ticket, the average increase for minimum coverage car insurance in Michigan is around $117 per month. Auto-Owners offers the most budget-friendly option for young drivers with one speeding ticket at $231 monthly for minimum coverage, making it 59% cheaper than the state average.

Here is a table providing a summary of the average Michigan rates for teen drivers based on their gender:

InsurerFemaleMale
Farmers$13,930$13,930
Geico$3,237$3,237
Hanover Insurance$14,095$14,095
Meemic Auto Insurance$3,804$3,804
Progressive$6,887$6,887
State Farm$6,046$6,046
Travelers$7,302$7,302
USAA$3,096$3,096
Statewide Average$7,300$7,300

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Cheapest for 20-year-old drivers

For 20-year-old drivers in Michigan, securing affordable car insurance can be a significant challenge. This age group often faces higher premiums due to perceived higher risk. Rates can vary based on driving history, location, and the insurance provider. While young drivers may not benefit from the same extensive driving experience as older individuals, they can still explore options to mitigate costs.

Maintaining a clean driving record, enrolling in defensive driving courses, and seeking discounts for good grades or safe driving habits can help reduce rates. Shopping around and comparing quotes from different insurers is crucial for finding budget-friendly coverage.

Cheapest Full Coverage Car Insurance in Michigan for 20-Year-Olds

Securing full coverage car insurance as a 20-year-old in Michigan can be costly. Still, Progressive tends to offer some of the most competitive rates. Their average monthly premium for this group is about $190, making them a viable choice for those seeking comprehensive protection.

Also Read: Best Car Insurance in Jackson, Michigan

Cheapest Minimum Coverage Car Insurance in Michigan for 20-Year-Olds

For those looking for just the minimum coverage required by Michigan law, Progressive remains a cost-effective option. Their average monthly rate for 20-year-olds hovers around $91, ensuring compliance with state regulations without breaking the bank.

Cheapest Auto Insurance in Michigan for 20-Year-Olds with Poor Credit

If you’re a 20-year-old driver with a less-than-ideal credit score, Progressive remains a budget-friendly choice. They offer reasonable rates for individuals with poor credit, helping you maintain coverage while you work on improving your creditworthiness.

Cheapest Auto Insurance in Michigan for 20-Year-Olds with One Speeding Ticket

Young drivers who’ve received a speeding ticket often face higher premiums. However, Progressive stands out once again, with rates averaging around $127 per month for 20-year-olds with one speeding ticket, making them a cost-effective option to mitigate the impact of a traffic violation.

Cheapest Auto Insurance in Michigan for 20-Year-Olds with One At-Fault Crash

After an at-fault crash, young drivers need affordable coverage to get back on the road. Progressive offers a reasonable solution, with rates averaging approximately $184 monthly for 20-year-olds with one at-fault accident, helping them recover financially without high costs.

Cheapest Auto Insurance in Michigan for 20-Year-Olds After a DUI

A DUI can significantly impact insurance rates, but Progressive provides a relatively affordable option even in this situation. Their average monthly premium for 20-year-olds after a DUI is about $254, allowing you to navigate insurance challenges post-conviction.

Cheapest for 30-year-old drivers

For 30-year-old drivers in Michigan, finding affordable car insurance can be more attainable compared to younger age groups. At this stage, individuals often benefit from lower premiums due to their age and increased driving experience. Rates are influenced by location, coverage needs, and driving history. Maintaining a clean record and seeking discounts for safe driving or bundled policies can reduce costs. 

However, exploring various insurers and obtaining personalized quotes is essential, as rates can vary significantly based on individual circumstances. While age can favor 30-year-old drivers, finding the most budget-friendly coverage demands careful comparison and consideration of unique insurance requirements.

Cheapest Full Coverage Car Insurance in Michigan for 30-Year-Olds

Providers like Progressive and Geico offer some of the most budget-friendly options for those seeking comprehensive protection. On average, their monthly premiums range from $130 to $150, making them attractive choices for 30-year-olds looking for robust coverage without excessive costs.

Cheapest Minimum Coverage Car Insurance in Michigan for 30-Year-Olds

Meeting the state’s minimum coverage requirements can be achieved affordably. Insurers such as Progressive and State Farm offer economical options, with average monthly premiums ranging from $60 to $80, ensuring you stay legally covered without breaking the bank.

Cheapest Auto Insurance in Michigan for 30-Year-Olds with Poor Credit

Even if you have less-than-perfect credit, Progressive and State Farm provide reasonable rates, allowing you to maintain coverage while working on improving your creditworthiness.

Cheapest Auto Insurance in Michigan for 30-Year-Olds with One Speeding Ticket

Receiving a speeding ticket doesn’t have to result in exorbitant premiums. Progressive and Geico offer cost-effective solutions, with average monthly premiums ranging from $80 to $100, helping you manage the impact of a traffic violation.

Cheapest Auto Insurance in Michigan for 30-Year-Olds with One At-Fault Crash

After an at-fault accident, you can find affordable coverage with providers like Progressive and State Farm. Their monthly premiums average around $110 to $130, ensuring you can recover financially without excessive costs.

Cheapest Auto Insurance in Michigan for 30-Year-Olds After a DUI

Even following a DUI, there are relatively affordable coverage options available. Progressive and Geico offer average monthly premiums ranging from $130 to $150, helping you navigate the challenges of insurance post-conviction.

Cheapest for 40-year-old drivers

Turning 40 can lead to significant car insurance savings in Michigan, thanks to increased experience and established driving records. At this age, Michigan insurers offer budget-friendly options for 40-year-old drivers. Companies like Secura, Hastings Mutual, and Geico recognize the reduced risk associated with this age group. Whether you have a pristine driving history or a few incidents, providers like Travelers, Wolverine Mutual, and Chubb still offer affordable solutions. 

Securing these rates may depend on your driving history and credit score. However, shopping around and comparing quotes remains crucial to finding cost-effective coverage tailored to your unique circumstances as a 40-year-old driver in Michigan.

Cheapest Full Coverage Car Insurance in Michigan for 40-Year-Olds

Providers like Progressive and Geico offer competitive rates, with average monthly premiums ranging from approximately $120 to $140. This makes them attractive options for 40-year-olds seeking comprehensive protection without excessive costs.

Cheapest Minimum Coverage Car Insurance in Michigan for 40-Year-Olds

Meeting Michigan’s minimum coverage requirements can be affordable with insurers such as Progressive and State Farm. Their average monthly premiums range from around $50 to $70, ensuring you maintain legal coverage without breaking the bank.

Cheapest Auto Insurance in Michigan for 40-Year-Olds with Poor Credit

Even if your credit isn’t perfect, Progressive and State Farm provide reasonable rates, allowing you to maintain coverage while working on improving your creditworthiness.

Cheapest Auto Insurance in Michigan for 40-Year-Olds with One Speeding Ticket

Receiving a speeding ticket doesn’t have to result in inflated premiums. Progressive and Geico offer cost-effective solutions, with average monthly premiums ranging from approximately $70 to $90, helping you manage the impact of a traffic violation.

Cheapest Auto Insurance in Michigan for 40-Year-Olds with One At-Fault Crash

After an at-fault accident, you can find affordable coverage with providers like Progressive and State Farm. Their monthly premiums average around $90 to $110, allowing you to recover financially without excessive costs.

Cheapest Auto Insurance in Michigan for 40-Year-Olds After a DUI

Even following a DUI, there are relatively affordable coverage options available. Progressive and Geico offer average monthly premiums ranging from approximately $120 to $140, helping you navigate the challenges of insurance post-conviction.

Cheapest for 50-year-old drivers

Turning 50 can lead to lower car insurance premiums in Michigan, thanks to extensive experience and a responsible driving history. The insurance market in Michigan caters to 50-year-olds with appealing rates. Providers like Secura, Hastings Mutual, and Geico recognize this and offer attractive coverage options. 

Eligibility for these rates hinges on factors like your driving record and credit score. Nonetheless, shopping around and comparing quotes remains vital to discovering the most economical coverage as a 50-year-old driver in Michigan.

Cheapest Full Coverage Car Insurance for 50-Year-Olds

Drivers in this age group can explore providers like Secura, Hastings Mutual, and Geico, offering average monthly premiums ranging from $80 to $91. These options provide comprehensive protection without breaking the bank.

Cheapest Minimum Coverage Car Insurance for 50-Year-Olds

Travelers and Secura stand out as the most affordable choices, with average monthly premiums as low as $12 to $14, ensuring you meet Michigan’s minimum requirements affordably.

Cheapest Auto Insurance for 50-Year-Olds with Poor Credit

Even with a less-than-perfect credit score, providers like Travelers, Wolverine Mutual, and Chubb offer reasonable rates, helping you maintain coverage while improving your creditworthiness.

Cheapest Auto Insurance for 50-Year-Olds with One Speeding Ticket

If you have a recent speeding ticket, providers such as Travelers, Wolverine Mutual, and Secura offer cost-effective solutions, with average monthly premiums ranging from approximately $22 to $31.

Cheapest Auto Insurance for 50-Year-Olds with One At-Fault Crash

Following an at-fault accident, you can still find affordable coverage with providers like Secura, Hastings Mutual, and Wolverine Mutual, with average monthly premiums averaging around $122 to $157.

Cheapest Auto Insurance for 50-Year-Olds After a DUI

Even with a DUI, Chubb, Secura, Progressive, and Pioneer State offer relatively affordable options, with average monthly premiums ranging from approximately $165 to $319. 

Cheapest for 60-year-old drivers

Reaching 60 can lead to some of the cheapest car insurance in Michigan. With extensive driving experience and typically stable financial standing, 60-year-old drivers are considered lower risk by insurance providers. Michigan insurers like Secura, Hastings Mutual, and Geico recognize this and offer attractive coverage options.

Eligibility depends on factors like your driving history and credit score. However, shopping around and comparing quotes is crucial to identifying the most economical coverage for a 60-year-old in Michigan.

Cheapest Full Coverage Car Insurance for 60-Year-Olds

Drivers in their 60s can consider providers like Secura, Hastings Mutual, and Geico, with average monthly premiums ranging from $80 to $91. These options offer comprehensive protection without straining your budget.

Cheapest Minimum Coverage Car Insurance for 60-Year-Olds

Travelers and Secura stand out as cost-effective choices, offering average monthly premiums as low as $12 to $14, ensuring you meet Michigan’s minimum requirements affordably.

Cheapest Auto Insurance for 60-Year-Olds with Poor Credit

Even with suboptimal credit, providers like Travelers, Wolverine Mutual, and Chubb provide reasonable rates, allowing you to maintain coverage while working on credit improvement.

Cheapest Auto Insurance for 60-Year-Olds with One Speeding Ticket

Drivers with a recent speeding ticket can explore options such as Travelers, Wolverine Mutual, and Secura, with average monthly premiums ranging from approximately $22 to $31.

Cheapest Auto Insurance for 60-Year-Olds with One At-Fault Crash

Following an at-fault accident, affordable coverage is still attainable with providers like Secura, Hastings Mutual, and Wolverine Mutual, offering average monthly premiums averaging around $122 to $157.

Cheapest Auto Insurance for 60-Year-Olds After a DUI

Even with a DUI, Chubb, Secura, Progressive, and Pioneer State offer relatively economical options, with average monthly premiums ranging from approximately $165 to $319. 

Cheapest Auto Insurance for 60-Year-Olds After a DUI
Cheapest Car Insurance in Michigan 6

Cheapest for 70-year-old drivers

Reaching 70 often results in more budget-friendly car insurance in Michigan, thanks to extensive experience and a responsible driving record. Michigan’s insurance market caters to 70-year-old drivers, offering cost-effective coverage. Providers like Secura, Hastings Mutual, and Geico recognize the reduced risk associated with this age group.

Eligibility depends on factors like your driving history and credit score. Nonetheless, shopping around and comparing quotes remains essential to identifying the most economical coverage tailored to your specific circumstances as a 70-year-old driver in Michigan.

Cheapest Full Coverage Car Insurance for 70-Year-Olds

Drivers in their 70s can explore providers like Secura, Hastings Mutual, and Geico, with average monthly premiums ranging from $80 to $91. These options provide comprehensive protection without straining your budget.

Cheapest Minimum Coverage Car Insurance for 70-Year-Olds

Travelers and Secura stand out as budget-friendly choices, offering average monthly premiums as low as $12 to $14, ensuring you meet Michigan’s minimum requirements affordably.

Cheapest Auto Insurance for 70-Year-Olds with Poor Credit

Even with suboptimal credit, providers like Travelers, Wolverine Mutual, and Chubb offer reasonable rates, allowing you to maintain coverage while working on credit improvement.

Cheapest Auto Insurance for 70-Year-Olds with One Speeding Ticket

Drivers with a recent speeding ticket can explore options such as Travelers, Wolverine Mutual, and Secura, with average monthly premiums ranging from approximately $22 to $31.

Cheapest Auto Insurance for 70-Year-Olds with One At-Fault Crash

Following an at-fault accident, affordable coverage is still attainable with providers like Secura, Hastings Mutual, and Wolverine Mutual, offering average monthly premiums averaging around $122 to $157.

Cheapest Auto Insurance for 70-Year-Olds After a DUI

Even with a DUI, Chubb, Secura, Progressive, and Pioneer State offer relatively economical options, with average monthly premiums ranging from approximately $165 to $319. 

How Much Is Full Coverage Car Insurance in Michigan?

Full coverage car insurance rates in Michigan can vary significantly depending on age, driving history, and the insurance provider. On average, Michigan residents expect to pay around $3,226 per year for full coverage, equating to approximately $269 monthly.

However, it’s essential to note that rates can be higher or lower based on individual circumstances and the specific insurance company. Shopping around and comparing quotes from multiple insurers is the best approach to finding Michigan’s most competitive full coverage rates.

Average annual car insurance rates in Michigan by company

The average annual car insurance rates in Michigan vary by insurance company. On average, full coverage rates can range from approximately $3,000 to $4,000 per year. However, these rates can significantly differ based on age, driving history, and location within Michigan. Consumers must obtain personalized quotes from insurance providers to find the best rates tailored to their specific circumstances and needs.

How Much Is Liability-Only Coverage Car Insurance in Michigan?

In Michigan, liability-only coverage car insurance tends to be more affordable than full coverage. On an average, drivers should expect to pay around $1,103 per year for minimum coverage, which covers the state’s mandated liability limits. However, actual rates can vary based on individual factors such as age, driving history, and location. Michigan residents should obtain personalized quotes from various insurers to secure the most competitive rates for liability-only coverage.

Minimum car insurance requirements in Michigan

Michigan’s minimum car insurance requirements include liability coverage to ensure financial responsibility in case of accidents. Drivers must carry the following minimum liability limits:

  • $20,000 for bodily injury or death per person.
  • If multiple people are involved, $40,000 for bodily injury or death per accident.
  • $10,000 for property damage liability.

These coverage amounts help cover medical expenses and property damage resulting from accidents. Michigan drivers must meet these minimum requirements to legally operate a vehicle in the state.

Tips for How to Get Cheap Car Insurance in Michigan

  1. Shop Around: Compare quotes from multiple insurers so you can find the best rates.
  2. Bundle Policies: Consider bundling auto and home insurance for potential discounts.
  3. Maintain Good Credit: A strong credit score can lead to lower premiums.
  4. Drive Safely: Avoid accidents and traffic violations to keep your record clean.
  5. Choose Higher Deductibles: Opt for a higher deductible to lower your premium.
  6. Drive Less: Reduced mileage can lead to lower rates, so consider carpooling or using public transit.
  7. Ask About Discounts: Learn about discounts for good students, safe drivers, and military personnel.

No-fault insurance in Michigan

Michigan operates under a unique no-fault insurance system. Under this system, regardless of who is at fault in an accident, each driver’s insurance company is responsible for covering their policyholder’s medical expenses and other damages. This system aims to expedite claims processing and reduce litigation. Michigan’s no-fault insurance also includes Personal Injury Protection (PIP) coverage, which provides unlimited medical benefits to policyholders injured in auto accidents, regardless of fault. However, the no-fault system can contribute to relatively higher insurance premiums in the state compared to others with traditional fault-based systems.

cheapest car insurance in Michigan
Cheapest Car Insurance in Michigan 7

Conclusion

In September 2023, Michigan’s car insurance market provides diverse options for residents of all ages and circumstances. While younger drivers may face challenges in securing affordable coverage, rates tend to become more favorable with age, reflecting experience and stability.

The state’s no-fault insurance system impacts premiums, making it essential to navigate the complexities effectively. Strategies for obtaining the cheapest car insurance in Michigan include shopping around, maintaining a clean driving record, and exploring discounts. By comparing quotes and considering individual circumstances, Michigan residents can find cost-effective solutions within the state’s intricate insurance landscape.

Insurance rates can vary significantly, so comparing options can yield substantial savings. Beem can help you zero in on the best car insurance plans. Auto insurance with Beem covers damage to your vehicle, other vehicles or property, and injuries to yourself or others.

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FAQs

Is car insurance required in Michigan?

Yes, car insurance is mandatory in Michigan. The state requires all drivers to carry a minimum insurance coverage to operate a vehicle legally.

Which cars are required to be insured in Michigan?

All cars, including those registered in Michigan and driven within the state, must have insurance coverage. This applies to both owned and leased vehicles.

When should I get car insurance in Michigan?

You should obtain car insurance before driving a vehicle in Michigan. It’s illegal to operate a vehicle without proper insurance coverage.

How much car insurance do I need in Michigan?

Michigan’s minimum coverage requirements include liability insurance with specific limits. You must have at least $20,000 for bodily injury or death per person, $40,000 for bodily injury or death per accident involving multiple people, and $10,000 for property damage liability.

How much is car insurance in my city in Michigan?

Car insurance rates can vary significantly based on your city, driving history, age, and other factors. Obtaining personalized quotes from insurance providers is essential to determine the cost for your specific city.

What happens if my car is not properly insured in Michigan?

Driving without proper insurance in Michigan can lead to fines, license suspension, and legal penalties. Additionally, if you’re involved in an accident, you may be personally responsible for covering damages and medical expenses.

Is Michigan a no-fault state?

Yes, Michigan is a no-fault state, meaning that each driver’s insurance company is responsible for covering their policyholder’s medical expenses and certain other damages, regardless of fault, in the event of an accident.

Do I need uninsured motorist coverage in Michigan?

Uninsured motorist coverage is not required in Michigan. Still, it can provide valuable protection in case you’re involved in an accident with an uninsured or underinsured driver.

Is liability insurance required in Michigan?

Yes, liability insurance is required in Michigan, and drivers must maintain the minimum coverage limits specified by the state.

Does Michigan accept digital insurance cards?

Yes, Michigan accepts digital insurance cards as proof of coverage and you can use your smartphone or other devices to display your insurance information if requested by law enforcement.

Is insurance expensive in Michigan?

Michigan is known for relatively higher car insurance premiums than many other states. Several factors contribute to these costs, including the state’s no-fault system and personal injury protection requirements.

What’s the average cost of car insurance in Michigan?

The average cost of car insurance in Michigan can vary widely, but it’s often higher than the national average. Factors such as location, driving history, and the level of coverage you choose can significantly impact your insurance rates. Shopping for quotes is advisable to find the most competitive rates for your specific circumstances.

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Team Beem brings you the latest in the world of personal finance to you. From tips and tricks on how to manage money to how to get cash for emergencies, Beem is your destination for all the information you need to be smart about your money.

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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