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.

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.

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Michigan car insurance state minimums

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 to vehicles that you are legally liable for.

$10,000 limit

Uninsured motorist
Helps cover your 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 your medical expenses if you're in an accident, the other driver is at fault and doesn't have enough liability insurance.

Not required

Personal injury protection
If you and/or your passengers are hurt in an accident, this helps cover 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 required¹

Comprehensive
Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism.

Not required¹

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

All coverages are subject to the coverage limits stated in your policy.

¹Although 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.

Get answers to your Michigan auto insurance questions