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Michigan Car Insurance


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.

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.
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.
Not required2
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.

Get Answers to your Michigan Auto Insurance Reform Questions

Related Resources

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.

Subject to terms, conditions, and availability. In most states, prices vary based on how you buy. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate Fire and Casualty Ins. Co. & affiliates; Northbrook, IL. © 2021 Allstate Insurance Company

Many factors go into the cost of your auto insurance policy, including how you purchase the policy: online, through a call center, or with an agent.

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