Michigan Auto Insurance Rates & Requirements
Michigan requires 50/100/10 liability coverage and is a no-fault state.
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Michigan at a Glance
50/100/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Michigan operates a modified no-fault system with a unique Personal Injury Protection (PIP) choice structure enacted in 2019. Drivers must carry proof of insurance at all times, and the state requires electronic reporting of all policies to the Michigan Department of Insurance and Financial Services. Michigan is the only state that allows drivers to opt out of unlimited PIP coverage if they have qualifying health insurance.
Personal Injury Protection (PIP)
Property Protection Insurance (PPI)
Residual Bodily Injury and Property Damage Liability
Uninsured Motorist Coverage
Cost Overview
about $120/mo
Average car insurance spending in Michigan
Rate data: NAIC Auto Insurance Database, 2023
Compare Before You Renew
Compare Auto Insurance RatesFrequently Asked Questions
Is Michigan a no-fault state?
Yes, Michigan operates a modified no-fault system where your own PIP coverage pays medical expenses regardless of who caused the accident. However, you can sue at-fault drivers for non-economic damages (pain and suffering) only in cases involving death, permanent serious disfigurement, or serious impairment of body function. This threshold limits tort liability compared to traditional fault-based states.
Can I be sued for a car accident in Michigan?
Yes, despite no-fault protections, you can be sued if you cause death, permanent serious disfigurement, or serious impairment of body function as defined by Michigan law. You can also face lawsuits for property damage exceeding your insurance limits. Carrying liability coverage well above the 20/40/10 minimum—typically 100/300/100 or higher—protects your assets from these lawsuits.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others outside the no-fault system. Michigan's 20/40/10 minimum is widely considered inadequate for serious accidents.
Full Coverage
Combines liability, collision, comprehensive, and PIP into complete protection for both your vehicle and medical expenses. Industry shorthand for maximum financial security.
Comprehensive Coverage
Covers non-collision damage to your vehicle including theft, vandalism, weather, and animal strikes. Pays actual cash value minus your deductible.
Collision Coverage
Pays to repair or replace your vehicle after an accident with another car or object, regardless of fault. Required by lenders on financed vehicles.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or flees the scene. Covers medical bills and vehicle damage the other driver should have paid.