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.
Michigan car insurance state minimums
To make sure your car insurance meets current Michigan requirements, understanding the state regulations are crucial. The table below lists coverages and minimum coverage limits that are required in Michigan. These are just a starting point – you may want to purchase additional car insurance or increase your coverage limits.
Not in Michigan? Check your state requirements to determine your auto insurance needs.
|
Coverage type
|
State requirements
|
|---|---|
|
Bodily injury liability |
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 |
$10,000 limit |
|
Uninsured motorist |
Not required
|
|
Underinsured motorist |
Not required
|
|
Personal injury protection |
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 |
Not required¹
|
|
Comprehensive |
Not required¹
|
|
Property protection |
$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.
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 policy¹, which is 19% higher than the U.S. average.²
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.
With Allstate, you can customize your auto policy so you have coverage that fits your needs and budget.
Michigan car insurance discounts
Allstate makes it possible to get lower quotes than you make expect on quality auto insurance in Michigan. See if you qualify for special discounts like these:
- Multiple policy / bundling discount
- Responsible payer discount
- Good student discount
- Anti-theft discount
Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.
Factors that can impact your car insurance rates in Michigan
In addition to the coverages, limits and deductibles you select, 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.
Get answers to your Michigan auto insurance questions
No-fault insurance is a type of car insurance coverage that helps pay for covered person’s medical bills if injured in a car accident, regardless of who caused the accident. No-fault insurance is also called Personal Injury Protection, or PIP insurance.
You can select from six PIP coverage options based on your specific needs and what you can afford. Seniors also have the option of allowing Medicare to cover the health care expense from an auto accident. If you have Medicare or qualified health coverage, you may opt out of PIP medical benefits. The six options are:
- Unlimited PIP benefit
- $500,000 PIP benefit
- $250,000 PIP benefit
- $250,000 PIP benefit with excluded person(s) with Qualified Health Coverage*
- $50,000 PIP benefit (must be enrolled in Medicaid)*
- Medicare Opt-out (must be enrolled in Medicare Part A&B)*
*Eligibility based upon the type of health coverage that you, your spouse and all resident relatives have.
It is typically an employer-sponsored or private health plan that doesn’t exclude or limit coverage for injuries from an auto accident and has an annual individual deductible of approximately $6,500. This deductible amount may be adjusted by the state annually.
The person named on the policy, their spouse, and any relatives of the insured or spouse that live in their household are covered.
The Michigan Catastrophic Claims Association acts as a reinsurer for auto insurers that pay claims exceeding $635,000 (threshold amount is subject to change annually).
Drivers who choose unlimited PIP medical benefits will pay an assessment for the MCCA as part of their auto policy premium. Drivers with a different PIP medical benefit option will pay only the portion of the MCAA assessment that goes toward paying down MCAA deficit, if any exists.
If you do not make the mandatory selection of a PIP coverage limit by signing and providing your auto insurer with a PIP coverage selection form, by law your coverage will default to unlimited, and you will be charged the applicable premium.
If you are injured in an auto accident that is the fault of another driver who has no insurance, you will go to your PIP coverage first. If the other driver has insurance, you can also make a claim against the person who caused the accident. If your damages exceed your PIP and the at-fault person’s liability coverage, then you may have Uninsured or Underinsured Motorists coverage on your own auto policy that would cover your unreimbursed damages up to the limit of that coverage.