Car insurance in Michigan
Michigan is a no-fault state with a minimum liability requirement of250/500/10. 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
Illustrative estimate: roughly $715-$720/year for minimum coverage - still relatively high among Midwest states, a legacy of Michigan's unique no-fault/PIP history even after the 2020 reform.
Why this is a range, 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 250/500/10. 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.
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