Michigan car insurance: minimum coverage, rules & quotes

Minimum liability: $50,000 bodily injury liability per person, $100,000 per accident, and $10,000 property damage liability per accident.

Required coverages: BI & PD liability, PIP.

No-fault state. In a no-fault state, your own personal injury protection (PIP) pays your medical bills and certain other losses after a crash regardless of who caused it, and the right to sue the other driver for pain and suffering is limited unless injuries pass a set threshold.

Credit-based insurance scores: Michigan restricts how insurers may use credit information in auto insurance pricing.

Michigan policies default to 250/500/10 bodily injury and property damage limits; drivers may choose limits as low as 50/100/10 with written consent.

Michigan PIP has several medical-coverage levels to choose from; ask the agent to explain each option.

Official help: find the Michigan insurance department (consumer help, agent license lookup) in the NAIC, State insurance departments directory ↗, and the Michigan DMV in the USA.gov, State motor vehicle services (DMV) directory ↗.

Body-type mix: SUVs 54% · Trucks 25% · Cars & Sedans 15% · Vans 6%. Most-listed models: Chevrolet Silverado (215), Chevrolet Equinox (148), Ram 1500 (120), Ford F-150 (109), Jeep Grand (98), Chevrolet Trax (86).

Why it matters: a financed car at the $27,188 median price will normally need collision and comprehensive, and repair costs, theft rates and safety equipment differ by model — the VIN decode on the form shows the agent the exact vehicle.

• Detroit 1,136 cars
• Columbus 776 cars
• Highland Park 168 cars
• Howard City 86 cars
• Greenville 60 cars
• Hamtramck 56 cars
• Three Oaks 45 cars
• Muskegon 35 cars
• Monroe 29 cars

• Good / safe driver

  For drivers with no at-fault accidents or major violations for a set number of years (often three or more). California law requires insurers to offer qualifying good drivers a Good Driver Discount.

  Check this discount
• Multi-policy (bundling)

  Buying auto with homeowners, renters, condo or another policy from the same insurer.

  Check this discount
• Multi-car

  Insuring two or more vehicles on the same policy.

  Check this discount
• Good student

  For students with good grades, commonly a B average or better (insurers set their own rules).

  Check this discount
• Defensive-driving course

  Completing an approved course. Some states require insurers to offer a discount for approved courses, often for older drivers.

  Check this discount
• Telematics / usage-based

  An app or plug-in device that measures how, when and how much you drive. Safe habits can earn a discount; in some programs risky driving can raise the price.

  Check this discount
• Paid in full / autopay / paperless

  Paying the whole term up front, enrolling in automatic payments or going paperless.

  Check this discount
• Low mileage

  Driving fewer miles than average, for example working from home.

  Check this discount
• Safety & anti-theft features

  Airbags, anti-lock brakes, crash-avoidance technology, alarms and tracking devices. The VIN decode shows the factory safety equipment listed for your car.

  Check this discount
• Affinity / military / employer

  Membership in certain employers, alumni associations, professional groups or military service.

  Check this discount

• Bodily injury liability (BI)

  Pays for injuries you cause to other people — their medical bills, lost wages and legal claims — up to your per-person and per-accident limits. Required in almost every state.

• Property damage liability (PD)

  Pays for damage you cause to someone else's car or property. Required in nearly every state. A crash with a newer vehicle can exceed a low PD limit quickly.

• Collision

  Pays to repair or replace your own car after a crash with another vehicle or object, regardless of fault, minus your deductible. Optional by law but required by lenders and lessors.

• Comprehensive

  Covers your car for theft, vandalism, fire, flood, hail, falling objects and animal strikes, minus your deductible. Also required on most financed and leased cars.

• Uninsured / underinsured motorist (UM/UIM)

  Protects you when the at-fault driver has no insurance or not enough. Required in many states; where it is optional, insurers usually must offer it.

• Personal injury protection (PIP) / Medical payments

  PIP pays your and your passengers' medical costs (and in many states lost wages) regardless of fault; it is required in no-fault states. MedPay is a smaller, medical-only version.

• Gap insurance

  If your financed or leased car is totaled or stolen, gap pays the difference between the car's actual cash value and what you still owe. Often available from your auto insurer, lender or dealer.

• Rental reimbursement & roadside assistance

  Low-cost add-ons: a rental car while yours is being repaired after a covered claim, and towing, jump-starts, lockouts and flat-tire help.

What is the minimum car insurance in Michigan?

Michigan requires at least $50,000 bodily injury liability per person, $100,000 per accident, and $10,000 property damage liability per accident, plus PIP — written 50/100/10.

Is Michigan a no-fault state?

Yes. Michigan is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash regardless of fault, and lawsuits for pain and suffering are limited unless injuries meet the state's threshold.

Can car insurers use my credit score in Michigan?

Michigan restricts how insurers may use credit information in auto insurance pricing.

Is the Michigan minimum enough coverage?

It is the legal minimum, not a recommendation. Medical bills and newer-car repairs can exceed 50/100/10 limits, and you can be personally responsible for the difference. Many drivers choose higher limits, and financed or leased cars also need collision and comprehensive.

Do I need insurance before buying a car in Michigan?

You need proof of insurance to register and drive the car, and dealers usually ask for it before delivery. If you finance or lease, the lender will require collision and comprehensive. Request a quote on the exact VIN before you sign.

How do I get a car insurance quote in Michigan?

Use the AutosXchange quote form on this page: enter your VIN (we decode the vehicle), ZIP and a few details, and a licensed insurance professional will follow up. Or call or text (916) 476-7689.

How do I get a good driver discount in Michigan?

Most insurers offer a good- or safe-driver discount after several years without at-fault accidents or major violations. Eligibility and amounts vary by insurer; tick it on the form and the agent will check.

• Alabama 25/50/25
• Alaska 50/100/25
• Arizona 25/50/15
• Arkansas 25/50/25
• California 30/60/15
• Colorado 25/50/15
• Connecticut 25/50/25
• Delaware 25/50/10
• District of Columbia 25/50/10
• Florida PD 10 + PIP
• Georgia 25/50/25
• Hawaii 40/80/20
• Idaho 25/50/15
• Illinois 25/50/20
• Indiana 25/50/25
• Iowa 20/40/15
• Kansas 25/50/25
• Kentucky 25/50/25
• Louisiana 15/30/25
• Maine 50/100/25
• Maryland 30/60/15
• Massachusetts 25/50/30
• Minnesota 30/60/10
• Mississippi 25/50/25
• Missouri 25/50/25
• Montana 25/50/20
• Nebraska 25/50/25
• Nevada 25/50/20
• New Hampshire 25/50/25
• New Jersey 35/70/25
• New Mexico 25/50/10
• New York 25/50/10
• North Carolina 50/100/50
• North Dakota 25/50/25
• Ohio 25/50/25
• Oklahoma 25/50/25
• Oregon 25/50/20
• Pennsylvania 15/30/5
• Rhode Island 25/50/25
• South Carolina 25/50/25
• South Dakota 25/50/25
• Tennessee 25/50/25
• Texas 30/60/25
• Utah 30/65/25
• Vermont 25/50/10
• Virginia 50/100/25
• Washington 25/50/10
• West Virginia 25/50/25
• Wisconsin 25/50/10
• Wyoming 25/50/20