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Michigan Car Insurance

PROTECTION THAT'S MADE FOR YOU

Where you live determines the auto insurance coverage levels you must have. Michigan law requires certain coverages and sets minimum coverage limits that all drivers must purchase. However, you may be able to increase your coverage by selecting higher coverage limits.

Starting July 2, 2020, Michigan law will require drivers to have more liability coverage, but will no longer require unlimited personal injury protection (PIP). Under the new law, drivers will have the ability to select the level of PIP coverage that fits their budget and their needs.

Drivers who have Medicare, or other Qualified Health Coverage that provides coverage after an accident may be able to opt out of PIP coverage.

Take a closer look at what auto insurance coverages are required in Michigan in the table below.

You can also contact a Michigan Allstate agent to get more information about the state's auto insurance changes in required coverages, as well as optional coverages, so you can customize an auto insurance policy to fit your needs.


State Map

Auto insurance requirements are based on your location. You're looking at auto requirements in Michigan. Pick a new state to see its laws:

Michigan Coverage Details

Coverage Type
Michigan 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.
$20,000 limit per person/$40,000 limit per accident (until July 1, 2020)

Beginning July 2, 2020: $50,000 limit per person/$100,000 limit per accident1

Existing policyholders who do not select a lower limit will default to $250,000 per person/$500,000 per accident.
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 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.
Unlimited Lifetime coverage for medical and limited non-medical coverage.

Beginning July 2, 2020: Medical coverage options will be available ranging from no coverage to continuing unlimited coverage will be available depending on the type of health coverage a person has, and what is best for their needs. Other limited non-medical coverage will continue for: work loss, necessary services, survivors loss and funeral expenses.
Collision
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.
Not required2
Comprehensive
Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism
Not required2
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.

1Policyholders 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.

2Although 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.

Related Resources

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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 subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2018 Allstate Insurance Company, Northbrook, IL.

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