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Michigan Auto Insurance

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Michigan Auto Insurance Minimums

  • $20,000 bodily injury for one person
  • $40,000 per accident
  • $10,000 property damage
  • Click here for more auto insurance minimums in Michigan.

Michigan DUI Laws

  • DUI is considered a BAC of 0.08%.
  • Enhanced sentencing for BAC of 0.15% and higher.
  • Click here for more DUI laws in Michigan.

Michigan SR-22 Auto Insurance Requirements

  • SR-22 may be required for a number of reasons.
  • An SR-22 is typically required to reinstate a suspended license.
  • Click here for all SR-22 requirements in Michigan.

Michigan Hands-Free Laws

  • The Michigan legislature is considering several cell phone/texting laws.
  • Michigan House Bill 4394 prohibits text-based communications while operating a motor vehicle.
  • Click here for Hands-Free laws in Michigan.

Michigan Teen Auto Insurance

  • Michigan utilizes a Graduated Driver Licensing (GDL) system for teen drivers.
  • The GDL is intended to minimize high-risk situations for inexperienced drivers.
  • Click here to learn all you need to know about Michigan teen driver laws.
The State of Michigan has the most comprehensive no-fault auto insurance system in the nation. If your vehicle is insured in Michigan, you and your family will be provided with unlimited medical and rehabilitation benefits, wage loss benefits and $20 per day for replacement services for up to three years if you are injured in an auto accident, regardless of fault. This is a primary reason why all Michigan motorists should purchase auto insurance.

In addition to the security that insurance provides to you and your family, Michigan law requires no-fault insurance. Every registered vehicle must be insured. If you own a car and you drive it, or allow someone else to drive it without basic no-fault insurance, you can be sued and held personally liable. This means that if you don't have the proper amount of no-fault coverage and are held responsible in an accident, your home, savings, future wages, and all other personal assets can be at risk in order to cover the costs of accident-related medical bills, property damage, and lawsuits.

Michigan requires all drivers to purchase and maintain no-fault coverage which includes the following three provisions (the amounts given are the minimum as required by law):

Personal Injury Protection (PIP) - Personal injury protection (PIP) pays all necessary medical costs if you are hurt in an auto accident.

Property Protection (PPI) - Property protection (PPI) pays up to $1 million for damage your car does in Michigan to other people's property, such as buildings and fences.

Residual Bodily Injury and Property Damage Liability Insurance (BI/PD) - Residual bodily injury and property damage liability (BI/PD) pays your defense costs and any damages you are found liable for as the result of an auto accident, up to the limits of the policy. The minimum coverage limits are:

  • $20,000 total for bodily injury coverage, per person
  • $40,000 total for bodily injury coverage, per accident
  • $10,000 total for property damage done in another state, per accident

When putting together your auto insurance policy, it's important to remember that whatever amount you select is the maximum amount that your insurance provider will pay out on a claim. The minimum amounts as required by law are often times not enough to fully cover damages which occur in an accident for which you are responsible. Therefore, you may want to consider choosing higher amounts of insurance coverage when you purchase your policy.

Your auto insurance agent is a knowledgeable and trusted source for information regarding your state's minimum requirements. Your agent can also offer sound and practical advice when it comes to selecting other types of auto insurance coverage to protect yourself financially. These may include Collision Coverage or Comprehensive Coverage, for example.

For any other concerns or questions, please contact:

Michigan Office of Financial and Insurance Regulation
611 W. Ottawa Street
3rd Floor
Lansing, MI 48933
(517) 373-0220
(877) 999-6442 Toll Free

Michigan Car Insurance Agents

If you are a resident of Michigan and are searching for a highly trained auto insurance agent to assist you in putting together a comprehensive yet affordable policy, look no further!

Auto insurance agents are highly trained professionals whose goal is to make buying auto insurance easy and enjoyable for their customers. They are able to compare prices from different insurance companies and find the best combination of coverage and cost. Since they keep up with the latest trends in the insurance industry, they are a knowledgeable source when it comes to putting together a comprehensive auto insurance policy that meets the needs of their customers but is also affordable.

A good agent will take the time to listen to your needs and circumstances with regards to auto insurance and will always consider and use your answers when writing up a policy which protects you, your property and your assets. You can rely on a skilled Michigan Auto Insurance agent to stand by you when you have a claim and to help you throughout the entire claim process. You should also expect your agent to make sure that your policy is up-to-date and that you maintain coverage which is appropriate for your personal situation.

If are interested in getting a quote from a qualified agent, use our Agent Locator to find an extensive list of agents in your local area. Any one of these professional agents will work hard to make sure you get a comprehensive policy that takes into consideration both your needs and budget.

Tips to saving money on your insurance premiums

  • Raise your deductible. Remember, the higher your deductible, the lower the cost.
  • Bundle your insurance policies. Purchasing life, home, auto and other insurance policies from one company can earn you up to 10% off the total cost of your premiums.
  • Maintain a clean driving record. This can add up to big savings when buying auto insurance.
  • If you have a teenage driver in the family, ask about a good student discount.
  • Improve your credit score. Many insurance companies use your credit score to determine the cost of your premium. Be sure to check your score before applying for new insurance to make sure it is accurate and up-to-date.

By taking advantage of these money-saving tips and working with a professional insurance agent, you can be confident that you are getting the lowest possible rate on your auto insurance policy!

Many residents of Michigan don't realize that they don't have to look around for good car insurance rates. It's true; residents of Michigan often overpay for car insurance and sometimes settle for the very first quote. is here to let the Michigan residents know they don't have to resign themselves to ridiculously high car insurance prices! We are here to serve you 24/7. If you have any questions or concerns, please feel free to contact us.

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