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Michigan Car Insurance Guide

In the great lake state navigating car insurance can be difficult. is here to make the process easier! We have compiled this guide that lists everything you need to know so that you can easily get the car insurance plan that fits your personal needs - at the lowest rate.

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Michigan Minimum Car Insurance Requirements

Michigan is a no-fault state. This means if you are in an accident you report the claim to your insurance company, not the person found at faults insurance company. Michigan is notorious for some of the most expensive car insurance rates in the country. The minimum coverage in Michigan is 20/40/10. This means the driver needs to carry:

Bodily Injury Liability Coverage $20,000 per person and $40,000 per accident.
Property Damage Liability Coverage
  • $10,000 per accident.

Property protection insurance is required in Michigan as well. This coverage will protect you from unintentional damage to buildings, fences, poles, other inanimate objects, and legally parked cars. Personal injury protection is also required in Michigan. This policy will pay for medical expenses regardless of fault. In Michigan, in the result of an auto accident, you are provided with unlimited lifetime medical expense coverage by the no-fault system. These are the limits of property protection insurance and personal injury protection:

Property Protection Insurance $1,000,000
Personal Injury Protection Unlimited, you will select a deductible


Is The Minimum All I Need?

Michigan has strict car insurance laws and the minimum requirements alone do provide a decent amount of protection in the event of an accident. However, you should always purchase the most amount of coverage you can afford. For instance, it is not much more, in comparison to potential out-of-pocket costs associated with an accident, to carry full coverage limits in Michigan than it is to carry the minimum requirements.


Other Insurance Types Available in Michigan

If you only purchase the minimum requirements you would be responsible for medical bills out-of-pocket if you are at fault. We highly recommend adding bodily injury liability to your car insurance policy as well as other coverages. Here is a list of available coverages:

  • Uninsured/Underinsured Motorists- Optional coverage that protects you if you are involved in an accident with a driver who has no insurance or too little insurance to cover the accident.

  • Collision Coverage- Collision insurance will cover repairs to your vehicle in an accident. In Michigan there are 3 types of collision:

    • Broad Form Collision- The deductible applies if you are substantially at fault.

    • Standard Collision- The deductible will always apply regardless of fault.

    • Limited Collision- This coverage will pay if you are not at fault and there may or may not be a deductible amount to pay.

  • Comprehensive Coverage- Comprehensive insurance covers you for other situations than a car accident; if you hit an animal, vandalism, fire, hail, flooding, or of your car is stolen.

  • Medical Coverage- Optional coverage that will pay for medical bills when health insurance exceeds coverage amounts and covers medical expenses for you and your passengers. Do you walk or bike? This policy offers additional coverage if you are struck by a car in those instances.

  • Gap Insurance- Optional coverage that will pay if you don’t own your car outright and have an accident. Gap insurance will pay the difference between the cash value of your car and the current balance on your loan or lease. This policy is best for newer non-owned cars.

  • Personal Injury Protection- Depending on your state this type of insurance can be a requirement or an add on. Regardless of fault personal injury protection will cover medical expenses and loss of wages for you and your passengers (up to your limit). It also includes up to $5,000 for funeral expenses.


Car Insurance for Teen Drivers In Michigan

Once your teen is 14 years and 9 months old they can apply for a permit. This is when you need to add your teen driver to your policy. Teen drivers in the state of Michigan require the same minimum car insurance as a fully licensed driver. A teen can be added to a guardians policy, typically less expensive than getting a separate policy. The type of driver you list your teen as will potentially help cut costs. If your teen is sharing a car with someone on the policy they are not considered a primary driver. Adding a primary teen driver can be more expensive. For more information on teen driving requirements visit The State of Michigan.


Multiple Drivers

If there is more than one driver in your household, it is important to let your insurance company know. This will keep you protected and lessen the risk of any unforeseen charges. If there is a driver in your household you want to exclude because the premiums are too high for the individual you can do so. However, they will not be covered while using your vehicle. Your insurance company will not cover this person or their actions while using your vehicle. This means any out-of-pocket costs will be your responsibility.


Penalties for No Car Insurance in Michigan

Michigan does not joke around when it comes to car insurance. It is in your best interest to abide by the law and carry the minimum requirements then it is to take your chances otherwise. He is an abbreviated version of the penalties for no car insurance in Michigan:

  • Your license could be suspended for 30 days or more.

  • Your license plate will not be renewed, transferred, or replaced.

  • $50 fine and along with fees required by law.

  • Your license plate could be canceled.

  • You could spend up to 1 year in jail.


Discounts on Car Insurance for Michigan

There are many options for discounts on car insurance. Some of the discounts are state specific or company specific. It is always important to ask your car insurance agent for a list of current discounts within the company. Here are a few discounts that can be found across most states and companies:

  • Good Student- If you are a student enrolled in high school or college curriculum and maintaining a B average most companies offer a discount.

  • Multiple Policy- Most insurance companies will offer a discount for having multiple policies such as car insurance, renters insurance, homeowners insurance, or boat insurance.

  • Good Driver- Maintain a good driving record free of accidents, tickets, or any moving violations.


Car Insurance Quotes in Michigan

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