Michigan Auto Insurance Guide
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Get affordable Michigan auto insurance quote rates for free.
Call Now: (866) 845-3808
Michigan requires drivers to maintain auto insurance, and they must buy insurance on a vehicle before it can be registered. The minimum liability coverage required by law in MI is $50,000 / $100,000 / $10,000. Additionally, one must carry $1 million in property protection.
PIP insurance is also needed in Michigan, but the limits vary depending on the health insurance status of the insured individual.
Other coverages like comprehensive or collision are available but not required by state law. They may be required by your lienholder, however.
MI drivers must always have proof of insurance in the vehicle.
Key Takeaways
In Michigan, drivers must be insured. They must always carry:
Michigan auto insurance requirements are changing. From 2019 to 2022, the state has been increasing the amount of liability coverage a driver must carry. Thanks to the increasing costs of medical care, building materials, and automobiles, the state has increased the minimum coverage requirements.
Note that these changes are still underway, and we will update this information as needed.
Michigan auto insurance may cost more than it once did, but drivers can rest assured their liability coverage will be enough to pay for damages they cause.
Michigan requires drivers to carry liability coverage plus PIP, as mentioned above. But there are more types of auto insurance coverage available, and your lienholder may require you to carry them.
Other coverage options include rental car reimbursement and roadside assistance.
$50,000 Bodily Injury to Others
If you’re responsible for injuring one person, this coverage helps to pay medical costs and more.
$100,000 Bodily Injury Per Accident
If you’re responsible for injuring several people, the insurer will pay up to $100,000 for medical costs and more.
$10,000 Property Damage
Most vehicle accidents cause some amount of property damage, whether it’s to other vehicles on the road, real estate, or another person’s belongings. This coverage pays for these damages. If these damages are more than $10,000, the at-fault driver will need to pay the difference.
PIP, or “Personal Injury”
Michigan has unique PIP requirements. In short, PIP in this state will pay only after someone’s medical insurance is consulted.
Michigan became a “no fault” state in 2019. That means auto insurance will pay for medical costs, missed work, and even funeral expenses if needed, regardless of who is deemed “at fault” after a car accident. However, the no fault insurance coverage does not affect property damage.
Ultimately, everyone on the road has more medical coverage this way. But everyone’s health insurance will be consulted before a claim can be finished and paid.
Michigan takes auto insurance very seriously. If you have auto insurance but do not have proof of insurance on hand, the fine is $50.
If you’re caught driving without insurance in MI, the penalties include:
Insurance companies in MI are known to gradually increase your rates over time. If you need to save money on auto insurance, you should shop around every few years. Insurers will offer safe drivers attractive rates to lure new business.
Other ways to save money on Michigan auto insurance are:
Simply enter your zipcode to compare car insurance rates and find the best coverage.
Read More: 8 Simple Ways to Save You 90% On Your Car Insurance
Michigan insurers classify drivers and vehicles into risk categories. So, your price for auto insurance is based on your risk group, and your behavior.
Electric vehicles (EVs), fast foreign cars, very heavy vehicles, young drivers, and unsafe drivers tend to cost the most to insure.
When calculating your premium, insurers will consider your:
We scoured the web to find the best Michigan auto insurance rates for very safe drivers, age 30 or more, with no claims or DUIs. But remember, your cost will be based on the variables above.
Insurer | Yearly Price | Monthly Premium Payment |
Travelers | $106 | $10 |
Secura | $184 | $15 |
Wolverine Mutual | $226 | $19 |
Westfield | $395 | $33 |
For help finding Michigan car insurance quotes, contact us today or simply put your zip code below and hit “Get A Quote” !
Simply enter your zipcode to compare car insurance rates and find the best coverage.
Here are answers to the usual questions we hear about auto insurance in Michigan.
Is auto insurance mandatory in MI?
Yes, always. You must carry basic liability coverage to drive in Michigan. Failure to have auto insurance can lead to expensive fines, license suspensions, and even jail time.
Do I need full coverage auto insurance in Michigan?
No, there is no law that requires Michigan drivers to maintain full coverage auto insurance. Your lienholder may require it, though. And many people sleep better at night knowing they are financially protected.
What is the cheapest auto insurance in Michigan?
For experienced, safe drivers, our research suggests Travelers Insurance company as the most affordable option for the minimum state requirements. However, many factors affect your final premiums.
How often should I shop for auto insurance?
You will save money by shopping around for auto insurance every few years. If you spend one afternoon getting 10 quotes, you might save hundreds of dollars every year!
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