Michigan Auto Insurance Requirements & Rates
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 under a no-fault insurance system, meaning your own insurance pays for medical expenses regardless of who caused the accident. Michigan law also mandates that all policies include property protection insurance (PPI), a coverage type unique to this state, according to the Michigan Department of Insurance and Financial Services.
Personal Injury Protection (PIP)
Property Protection Insurance (PPI)
Residual Liability
Uninsured Motorist Coverage
Collision and Comprehensive
Cost Overview
about $120/mo
Average car insurance spending in Michigan
Rate data: NAIC Auto Insurance Database, 2023
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Compare Auto Rates for FreeFrequently Asked Questions
How does Michigan's no-fault system work?
Under no-fault, your own insurance pays your medical expenses regardless of who caused the accident through Personal Injury Protection (PIP). You cannot sue the other driver for pain and suffering unless you meet a threshold injury standard (death, serious impairment, or permanent disfigurement). This system reduces litigation but requires all drivers to carry medical coverage, contributing to Michigan's high premiums.
Coverage Types
Liability Insurance
In Michigan, liability is split into property protection insurance (PPI) for stationary property and residual liability for other vehicles. Both are required, with PPI set at $1M and residual property damage at $50,000 minimum.
Full Coverage
Combines state-required PIP, PPI, and residual liability with optional collision, comprehensive, and higher liability limits. Full coverage protects both your vehicle and your medical expenses comprehensively.
Comprehensive Coverage
Pays for vehicle damage from theft, vandalism, fire, hail, flood, and animal collisions. Not required by Michigan law but mandated by lenders and critical in urban areas with high theft rates.
Uninsured Motorist Coverage
Covers your medical bills and lost wages if you're hit by an uninsured driver. Michigan does not require this, but you must decline it in writing.
Collision Coverage
Repairs or replaces your vehicle after a collision with another car or object, minus your deductible. Required by lenders but optional for drivers who own their cars outright.