Michigan car insurance: requirements & free quotes
Michigan's no-fault system is unique: drivers choose a PIP medical coverage level, and policies default to 250/500 bodily injury liability unless you elect lower limits. Property protection insurance covers damage your car does to others' property within the state.
Minimum coverage in Michigan
$50,000
Bodily injury per person
$100,000
Bodily injury per accident
$10,000
Property damage
Bodily injury liability $250,000 per person / $500,000 per accident by default; you may elect as low as $50,000 / $100,000
Property damage liability $10,000 (for accidents outside Michigan)
Property protection insurance (PPI) $1,000,000 in Michigan
Personal injury protection (PIP) at a medical coverage level you choose
Shown as 50/100/10 + PIP + PPI 1M (250/500 default). State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Michigan
- Compare PIP medical levels carefully, considering what your health insurance covers.
- Think carefully before electing liability limits lower than the 250/500 default.
- Limited property damage (mini-tort) coverage can help pay for your own vehicle repairs when you are not at fault.
- Comprehensive coverage is valuable during winter weather and for deer collisions.
We connect drivers across Michigan
Including Detroit, Grand Rapids, Warren, Sterling Heights and Ann Arbor — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Michigan car insurance FAQ
Yes. Michigan is a no-fault state, so after most accidents your own personal injury protection (PIP) pays for your injuries first, regardless of who caused the crash. Lawsuits are limited unless injuries meet the state's threshold.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.