Michigan Auto Insurance Rates & Requirements
Michigan requires 50/100/10 liability coverage and is a no-fault state.
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Michigan at a Glance
50/100/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Michigan operates under a no-fault insurance system, meaning your own insurance pays for your medical expenses regardless of who caused the accident. The state requires all drivers to carry proof of insurance and mandates both Personal Injury Protection (PIP) and liability coverage.
Personal Injury Protection (PIP)
Bodily Injury Liability
Property Damage Liability
Property Protection Insurance (PPI)
Cost Overview
about $120/mo
Average car insurance spending in Michigan
Rate data: NAIC Auto Insurance Database, 2023
Find Out What Your Coverage Should Cost
Compare Rates and Get CoveredFrequently Asked Questions
Can I drive in other states with Michigan no-fault insurance?
Yes, Michigan policies provide coverage nationwide, but your policy operates under the other state's rules when you're involved in an out-of-state accident. Michigan's no-fault PIP benefits still apply to your medical expenses, but liability claims follow the at-fault state's tort system, meaning you could be sued directly for damages in states without no-fault protections.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Michigan's 20/40/10 minimum is frequently insufficient for serious accidents involving injuries or high-value vehicle damage.
Full Coverage
Combines liability, collision, comprehensive, and often uninsured motorist coverage into a complete protection package. Typically includes higher liability limits than state minimums and lower deductibles.
Comprehensive Coverage
Covers non-collision damage to your vehicle including theft, vandalism, weather, fire, and animal strikes. Pays actual cash value minus your deductible.
Collision Coverage
Pays for damage to your vehicle resulting from collisions with other vehicles or objects, regardless of fault. Essential for protecting financed or leased vehicles.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage when an at-fault driver has no insurance or insufficient limits. Optional in Michigan but strongly recommended.