What are Michigan's car insurance requirements?

If you live in the car capital of the world, you'll need liability coverage limits of at least:

  • $50,000 in bodily injury per person
  • $100,000 in total bodily injury per accident
  • $10,000 in property damage per accident

Learn more about how auto liability insurance works.

Michigan also requires you to carry property protection insurance (PPI) with a $1 million limit per accident, as well as personal injury protection (PIP).

Important Note: Michigan's recently updated no-fault law gives Michigan drivers more options for PIP coverage. Learn more about the change.

PPI helps to cover costs if you accidentally damage another person's property in your state with your vehicle. PIP covers your medical costs, as well as lost wages and death benefits, and pays out regardless of who is at fault.

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

Consider comprehensive and collision coverage

Adding comprehensive and collision coverage makes sense for many drivers, especially those who want to avoid paying for repairs or a new vehicle if their current car is ever damaged. These coverages apply if your car is stolen, or if it's damaged in a collision or other covered mishap. You're typically required to carry these coverages if you lease or finance a vehicle.

Limited property damage liability (mini-tort) coverage offers more protection

If your car is damaged in an accident, Michigan's mini-tort law allows you to recover up to $3,000 from the at-fault driver's insurance company for repairs. With mini-tort coverage, you're covered for this type of claim up to the limits you select on your policy.

See all car insurance coverages.

How much is car insurance in Michigan?

Michigan is generally considered to be one of the most expensive states for car insurance. But car insurance rates vary based on a variety of factors, including your driving history, as well as the limits and coverages you choose.

Can I get discounts for cheaper car insurance in Michigan?

Absolutely. Progressive offers a variety of discounts, giving you plenty of ways to save on car insurance. Here are just a few of the discounts available in Michigan:

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

See all auto insurance discounts.

Michigan car insurance facts

  1. Michigan has a no-fault car insurance law requiring drivers to report a crash to their own insurance company, regardless of who is at fault. With no-fault insurance, you typically can't sue or be sued except in instances such as death or serious injury.

  2. In 2017, Michigan ranked second highest for most expensive auto insurance, with average expenditures of $1,358.62 per year. Learn ways to get cheaper car insurance.

  3. Michigan ranked fourth highest for uninsured drivers in 2015, with an estimated 20.3% without insurance coverage. With uninsured motorist coverage, you're protected if the other driver can't pay.

How to get car insurance in Michigan

Online

Answer some questions and then customize your coverages.

Call a rep

A licensed representative will guide you through the process.

Through an agent

Connect with an independent agent in your area.