Michigan car insurance
Getting car insurance in Michigan
Located in the Great Lakes region of the United States, Michigan is the 11th largest and 10th most populous state in the country. Its largest city, Detroit, is among the largest and most populous in the country, as well. The state's upper and lower peninsulas are separated by the Straits of Mackinac between Lake Huron and Lake Michigan. Lakes Superior and Erie also border Michigan. The state frequently feels the lake's effects on weather, especially harsh winters with plenty of snow. While there are plenty of high-tech companies in the state, Michigan is well-known for its ties to the automotive industry. Big cities in the state include Grand Rapids, Ann Arbor and Lansing. It is also home to professional baseball, football, basketball and hockey teams. Interstate Highway 75 runs north to south through the state, while Interstate Highways 69, 96 and 94 run east to west.
Drivers in Michigan need auto insurance tailored to their needs – and Allstate can help with that. When it comes to auto insurance, just like its landmarks, cuisine and culture, every state is different. See what coverage and coverage limits Michigan requires in the table below. These requirements are just a starting point – you may want to purchase additional car insurance or increase your coverage limits.
How to save on car insurance in Michigan
Protect your ride and your wallet with Allstate's simple and personalized car insurance.
- Switch and save $900
Put money back in your wallet when you move your auto policy to Allstate1. - Save more than ever with Drivewise®
Connect your driving data to save up to 30% with your everyday safe driving. The safer you drive, the less you'll pay2. - Bundle and save 20%
Save an average of 20% on your premium when you bundle home and auto policies3. - Save 25% with multiple cars
More cars = more savings! Put money back in your wallet when you insure more than one car with Allstate4.
What car insurance discounts can I get in Michigan?
When you get a free quote from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:
- Anti-theft device
- Defensive driver
- Good student
- Student away at school
- Safe driver
Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.
What is the minimum required coverage in Michigan?
| Coverage type | State requirements |
|---|---|
| Bodily injury liability Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault. |
Minimum of $50,000 limit per person/$100,000 limit per accident. Policyholders who request a limit less than $250,000 per person/$500,000 per accident will be required to provide a signature certifying that they want a lower coverage limit. |
| Property damage liability Helps cover 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 |
| Uninsured motorist Helps cover medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance. |
Not required |
| Underinsured motorist Helps cover medical expenses if you're in an accident, the other driver is at fault and doesn't have enough insurance. |
Not required |
| Personal injury protection If you and/or your passengers are hurt in an accident, this helps cover your medical or funeral expenses. |
Medical coverage options available range from no coverage to unlimited coverage. The options available for each person depend on the type of health coverage a person has, and what is best for their needs. Other non-medical coverage is available for work loss, necessary services, survivors' loss and funeral expenses are still included in your auto policy, even if you choose no PIP medical coverage or limited PIP medical. |
| Collision Helps cover expenses to repair or replace your vehicle that's been damaged in an accident. |
Not required* |
| Comprehensive Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism. |
Not required* |
| Property protection Helps cover expenses related to the damage of buildings, parked vehicles and other stationary structures, regardless of who's at fault. |
$1,000,000 limit that covers damage of buildings, parked vehicles and other stationary structure regardless who is at fault |
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.
*Although Michigan law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.
Is Michigan a no-fault state for car insurance?
Yes, Michigan is a no-fault state for car insurance. This means all drivers are required to have Personal Injury Protection (PIP) attached to their policies for covered claims. PIP covers any damages a driver incurs from an accident, including medical expenses and lost wages up to policy limits, regardless of who is at fault.
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What is the average cost of auto insurance in Michigan?
Michigan tends to have higher auto insurance rates because of state-specific laws that impact the cost of premiums. The latest research shows that the average auto premium in Michigan is $1,292 for every six-month policy⁵, which is 19% higher than the U.S. average⁶.
With Allstate, you can customize your auto policy so you have coverage that fits your needs and budget.
What is the best auto insurance in Michigan?
We know that every Michigan driver has unique auto insurance needs. Whether you're looking for the most affordable coverage or most comprehensive protection, we're here to help.
What can impact my car insurance rate in Michigan?
In addition to selecting the coverages, limits and deductibles that are right for you, these factors could also affect your car insurance rates in Michigan:
- The type of car you're insuring (year, make, model)
- Your driving habits and annual mileage
- Demographic factors, like ZIP code
- Any discounts you may qualify for
Learn more about these factors that could impact your car insurance premium and get a free quote online to see how much car insurance would cost for you.
What are Michigan's rules on electronic proof of insurance?
If you are stopped by the police and asked to show proof of insurance, you may wonder if you need to find a paper copy of your insurance card, or if you can use an electronic version. In Michigan, you are allowed to show an electronic copy of your insurance card on your mobile device.
You can use the Allstate® app for iPhone® and Android® to access a digital ID card.