Michigan teen and adult driving laws and tips for purchasing auto insurance

It doesn’t matter if you live in Detroit, Grand Rapids, Traverse City or Bad Axe with so many companies offering auto insurance in Michigan, how do you choose the auto insurance that's right for you? There are a wide variety of car insurance policies, optional insurance coverages and other products available in Michigan, and as your auto insurance needs change, your local agent will take the time to help so you can make the choices that are right for you. And if you have a teen driver, there are many other considerations. See the Graduated Driver Licensing chart below.

Michigan Auto Insurance Coverage Scale

Only you can decide what auto insurance coverages are right for you in Michigan. But the chart below provides a possible starting point for understanding the Michigan-required and most common car insurance coverages.


	Coverage		State Requirements	Most Common

	Bodily Injury Liability		20,000/40,000	100,000/300,000

	Property Protection Coverage		1,000,000	1,000,000

	Uninsured Motorist Bodily Injury		Not required	20,000/40,000

	Medical Payments		Not required	5,000

	Collision		Not required	Broad Form with 500 deductible

	Comprehensive		Not required	100 deductible

	Underinsured Motorist Bodily Injury		Not required	100,000/300,000

	Property Damage Liability		10,000	100,000

	Personal Protection Insurance		Law specifies requirements *	Excess

* Michigan law specifies requirements for each: allowable expense, work loss, necessary services, survivor's loss and funeral expenses.

Michigan Graduated Driver Licensing

Michigan has its own variation of Graduated Driver Licensing, and they are one of the few things that have been proven to save teen lives. You and your teen should become familiar with Michigan laws, and at the very least, you should use these laws to form the baseline for the rules you set for your teen driver.


	Insurance Institute for Highway Safety Rating			Fair

	Minimum Entry Age (Optimal: 16)			14 years, 9 mo.

	Extended Learner Period (Optimal: at least 6 months)			Has optimal provision

	Parent Certification (Optimal: 30 hours minimal)			Has optimal provision

	Night Restriction (Optimal: 9 or 10 p.m.)			Has the provision but it is not optimal

	Passenger Restriction (Optimal: only 1 non-family member)			Has no provision

	Minimum Exit Age (Optimal: 18)			17

For additional guidelines, click here to download a sample Parent-Teen Driving Agreement to help you and your teen reach an understanding. Take time to learn more about teen driving research, tips, driving laws, programs and teen driving facts.

Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.

Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Alaska, Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Maine, Minnesota, Missouri, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington, D.C., West Virginia, Wisconsin, Wyoming

Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Michigan.

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