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Michigan Auto Insurance

Protection that's made for you

Where you live impacts the auto insurance coverage levels you're required to have. Take a closer look at Michigan requirements and common coverage levels for Allstate policyholders in your area. You can also contact an agent to get more information on the right auto insurance for you and your life.

State Map

Auto insurance requirements are based on your location.



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When you drive with quality coverage, you drive with peace of mind. Allstate auto insurance can help you stay protected, wherever the road takes you.

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Coverage Type
Michigan Requirements
Common Coverage Levels In Michigan
Bodily Injury Liability
Covers expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.
$20,000 limit per person/$40,000 limit per accident
$100,000 limit per person/$300,000 limit per accident
Property Damage Liability
Covers expenses related to the damage of another person's property—like vehicles, homes, buildings and other structures—when an accident is your fault.
$10,000 limit
$100,000 limit
Uninsured Motorist
Covers medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.
Not required
$20,000 limit per person/$40,000 limit per accident
Underinsured Motorist
Covers medical expenses if you're in an accident, the other driver is at fault and doesn't have enough insurance.
Not required
$100,000 limit per person/$300,000 limit per accident
Personal Injury Protection
If you and/or your passengers are hurt in an accident, this can cover your medical bills plus related expenses like income continuation.
Unlimited on medical, primary or excess by plan
Common coverage varies on individual health insurance coverage amounts
Collision
(Limited, Broad & Standard)
Covers expenses to repair or replace your vehicle that's been damaged in an accident.
Not required
$500 deductible with broad form insurance
Comprehensive
Covers expenses to repair or replace your vehicle that's been damaged in situations like thefts or storms.
Not required
$100 deductible
Property Protection
Covers expenses related to the damage of buildings, parked vehicles and other stationary structures.
$1,000,000 limit
$1,000,000 limit


You can count on a local agent.

An Allstate agent can help you find ways to protect what matters most.

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State chart requirements provided for informational purposes only. State minimums and required coverages vary by state and may change from time to time. Check with your state for up-to-date information or if you have questions about current state minimums. Coverage limits and deductibles identified as "most common" in the chart above are the most popular limits and deductibles selected by Allstate policyholders in Michigan. All coverages are subject to policy terms, conditions and state availability.
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