Michigan
Auto Insurance Coverages
With so many companies offering auto insurance in Michigan, how do you choose the car insurance that's right for you? Regardless of where you live in Michigan, Allstate offers a wide variety of auto insurance policies, optional insurance coverages and other products for Michigan drivers. As your auto insurance needs change, your local Allstate agent will take the time to help you make the right choices. If you have a teen driver, there are many other considerations your local Allstate agent can also help you with. Refer to the MI Graduated Driver Licensing chart below for more information.
For more information on this state, visit the Michigan State Information or Michigan State Catastrophe page.
Michigan Auto Insurance Coverage Scale
As you consider what auto insurance coverages are right for you, keep in mind that Michigan has required minimum coverage levels. Only you can decide what auto insurance coverages are right for you, but refer to the chart below for more information about Michigan-required coverage levels and the most common car insurance coverages.
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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20,000/40,000
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100,000/300,000
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Property Protection Coverage
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1,000,000
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1,000,000
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Uninsured Motorist Bodily Injury
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Not required
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20,000/40,000
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Medical Payments
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Not required
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5,000
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Collision
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Not required
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Broad Form with 500 deductible
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Comprehensive
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Not required
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100 deductible
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Underinsured Motorist Bodily Injury
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Not required
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100,000/300,000
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Property Damage Liability
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10,000
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100,000
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Personal Injury Protection
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Law specifies requirements *
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Excess
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* Michigan law specifies requirements for each: allowable expense, work loss, necessary services, survivor's loss and funeral expenses.
Michigan Graduated Driver Licensing
Graduated Driver Licensing (GDL) laws are one of the few things that have been proven to save teen lives. Michigan has its own variation of these laws that both you and your teen should be familiar with them. You may want to discuss the Michigan GDL laws with your teen and use them as a foundation for rules you set for your teen driver.
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Minimum Entry Age
(Optimal: 16)
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14 years, 9 mo.
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Extended Learner Period
(Optimal: at least 6 months)
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Has optimal provision
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Parent Certification
(Optimal: 30 hours minimal)
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Has optimal provision
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has optimal provision
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Passenger Restriction
(Optimal: No teenager passengers or only one-family excepted)
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Has optimal provision
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Minimum exit age/ Minimum age at which restrictions are lifted
(Optimal: 18)
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17
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Download a Parent-Teen Driving agreement (PDF format) and start talking to your teen driver about safe driving habits. Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.
Click here to get anauto 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.
Illinois, Indiana, Kentucky, Ohio, Wisconsin
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. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.
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