Car insurance in Michigan
Michigan is a no-fault state with a minimum liability requirement of 50/100/10. Here's what that means, what it costs, and what to check before you buy.
What the minimums actually mean
Since Michigan's 2020 no-fault reform, the default is $250,000/$500,000 bodily-injury liability plus $10,000 property damage liability (for out-of-state damage) and $1,000,000 in Property Protection Insurance for in-state property damage; drivers may opt down to $50,000/$100,000 BI via a signed waiver. Michigan's mandatory PIP medical-benefit levels range from $50,000 up to unlimited across six tiers, with eligibility tied to Medicaid/Medicare/other qualifying health coverage.
Not required - UM/UIM is optional, contractual add-on coverage that insurers must offer but drivers can decline; an estimated 1 in 4 Michigan motorists is thought to drive uninsured.
Estimated cost
$897 a year for minimum coverage, $3,207 for full coverage2
Average annual premiums in Michigan for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.
Why this is an average, not a quote
SR-22 & high-risk filings
Typically required after a DUI/OWI, driving uninsured, an at-fault accident without insurance, or reckless driving.
Local conditions worth knowing
Michigan's no-fault system with mandatory PIP/MCCA surcharges has historically produced some of the highest premiums in the country, and Michigan also ranks among the top states nationally for deer-vehicle collisions.
Frequently asked
- What is the minimum car insurance requirement in Michigan?
- Michigan requires liability limits of at least 50/100/10. Since Michigan's 2020 no-fault reform, the default is $250,000/$500,000 bodily-injury liability plus $10,000 property damage liability (for out-of-state damage) and $1,000,000 in Property Protection Insurance for in-state property damage; drivers may opt down to $50,000/$100,000 BI via a signed waiver. Michigan's mandatory PIP medical-benefit levels range from $50,000 up to unlimited across six tiers, with eligibility tied to Medicaid/Medicare/other qualifying health coverage.
- Is Michigan an at-fault or no-fault state?
- Michigan is a no-fault state for car insurance claims.
- Do I need an SR-22 in Michigan?
- Typically required after a DUI/OWI, driving uninsured, an at-fault accident without insurance, or reckless driving.
- Is uninsured motorist coverage required in Michigan?
- Not required - UM/UIM is optional, contractual add-on coverage that insurers must offer but drivers can decline; an estimated 1 in 4 Michigan motorists is thought to drive uninsured.
Sources
- State of Michigan, Auto insurance frequently asked questions.
- Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.
Figures checked against these sources on October 2, 2026.
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