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Michigan car insurance

Michigan Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Michigan mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times. Failure to provide valid proof of insurance means a driver could be required to prove a vehicle is insured for no less than six months plus pay a $50 fine. Their plates may be suspended also.

Drivers must submit proof of insurance before they can register their vehicle.

Michigan Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Michigan they are as follows:

  • Bodily Injury for One Person: $20,000
  • Bodily Injury for All Injuries: $40,000
  • Property Damage: $10,000

Michigan Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Michigan does not require this coverage.

No Fault Insurance
Michigan is a No Fault state meaning that a driver will have their injuries paid for by their insurance company no matter who is at fault.