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Michigan Auto Insurance Requirements

In Michigan it is required by state law that you maintain a minimum bodily injury liability limit of $20,000 per person, $40,000 per accident, and $10,000 property damage limit.

Michigan Insurance Coverage Minimum Limits:
Bodily Injury $20,000/$40,000 - Property Damage $10,000
Property Protection Insurance: $1,000,000
Personal Injury Protection - Medical & Work loss

Michigan maintains a No-Fault Tort system meaning your insurer will pay for your injuries regardless of fault, up to a predetermined amount. Usually, you will fore go some of your rights to sue under a No-Fault Tort system.

Michigan state law requires you to buy Personal Injury Protection (PIP) to pay for medical expenses. In Michigan you are not required to purchase Uninsured/Underinsured Bodily Injury coverage. You should consider purchasing this coverage though because it protects you from injuries caused by an uninsured and/or underinsured drivers.

When completing a quote with, you will find that our coverage page allows you the option to select coverages that match your personal needs, you can customize each and every deductible or limit. If you are uncertain of a particular limit to choose, you will always have the option to make a change to your coverages before you buy your policy.

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