Michigan car insurance

When driving through Detroit, Grand Rapids or Ann Arbor, Progressive has all your car insurance needs covered. We'll help you determine your coverage options for car insurance in Michigan. Discover what you need to know about Michigan car insurance rates and requirements, and potential discounts you can earn with us.

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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are Michigan's minimum auto insurance requirements?

Drivers in Michigan are required to have auto liability coverage (BI liability and PD liability), personal injury protection (PIP) and property protection insurance (PPI) at the following minimum car insurance limits:

CoverageWhat it coversMinimum amount
Bodily injury liability
(mandatory if policy has UM/UIM, UMPD, Med Pay, or PIP)
What it coversInjuries you cause to others in an accidentMinimum amount$50,000 per person
$100,000 per accident
Property damage liability
(required if policy has UM/UIM, UMPD, Med Pay, or PIP)
What it coversDamage you cause to other people's property in an accident outside of MichiganMinimum amount$10,000 per accident
Personal injury protection (PIP)What it coversYour medical costs due to an accident, plus lost wages, and death benefits, regardless of who's at fault.Minimum amount$250,000 per accident (other PIP options available for those who can prove qualified health coverage)
Property protection insurance(PPI)What it coversDamage you cause to other people's property in an accident in MichiganMinimum amountDamage you cause to other people's property in an accident in Michigan

While these are Michigan's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Michigan a no-fault state?

Yes. Michigan has been a no-fault state since 1973, according to the Insurance Information Institute. As a no-fault state, Michigan requires drivers to carry PIP coverage so that their own insurance covers some or all of their medical expenses after a car accident, regardless of who's at fault. No-fault car insurance also restricts the right to sue only to lawsuits that involve severe injuries. That said, Michigan has PIP options for drivers who can prove they have certain qualified health coverage.

How much is car insurance in Michigan?

The average cost of liability-only auto insurance in Michigan was $132.56 per month in 2023, based on Progressive single driver/single car policies.* However, your car insurance rate in Michigan will vary based on your driving history, coverage choices, and more. Learn about some of the common factors that can affect your car insurance cost.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average. Get an auto insurance quote today.

What is the best car insurance in Michigan?

Finding the best car insurance in Michigan means taking the time to compare equal coverages, limits, deductibles, and discounts. Michigan drivers can access plenty of incentives from Progressive as you seek out the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.**

If you're looking for the cheapest car insurance in Michigan, here's how much drivers nationwide saved on average after switching to Progressive compared to their previous auto insurer:

  • Allstate customers who switch and save with Progressive save $775 on average††
  • GEICO customers who switch and save with Progressive save $740 on average§
  • State Farm customers who switch and save with Progressive save $565 on average

How do I lower my car insurance cost in Michigan?

To lower your car insurance cost in Michigan, you may qualify for the following discounts through Progressive:

  • Multi-car
  • Five-year accident-free
  • Multi-policy
  • Teen driver
  • Paid in full
  • Good student
  • Online quote

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Michigan is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Michigan's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator to find which ones are recommended for you.

Michigan driving resources

From Lansing to Flint, get to know Michigan's driving laws and resources. These resources apply to Dearborn, Kalamazoo and everywhere in between. Local municipalities may have additional laws and resources.

How to get car insurance in Michigan


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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.