Michigan Auto Insurance

Michigan auto insurance regulations require several types of coverage. Make sure you understand what you're paying for.

This guide:

  • Explains Michigan auto insurance laws and requirements

  • Describes how Michigan car insurance rates are set

  • Shows you how to save money with multiple quotes

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Michigan car insurance laws

Michigan is a no fault state, and every driver must carry two no-fault policies, personal injury protection (PIP) and property protection insurance (PIP), in addition to standard liability coverage.

The PIP package required by Michigan auto insurance laws includes coverage for all medical expenses and up to three years of compensation for lost wages or services. You may be able to earn a premium reduction by co-ordinating PIP with an existing health insurance plan, or by applying a deductible.

The PPI coverage pays for property damage you cause in Michigan up to the sum of one million dollars.

While no fault laws do generally keep a driver from being sued as a result of an accident, there are exceptions. If the accident occurred outside of Michigan or resulted in serious injury or death, the driver may be liable for damages. Liability insurance helps cover these situations (and is also required by Michigan auto insurance laws).

Michigan's liability insurance minimums are 20/40/10. (That's $20,000 per person for injuries you cause to the other party, up to $40,000 for all, and $10,000 for damage you cause to the other party's property in another state.)

Michigan auto insurance companies will also offer optional collision, comprehensive, and uninsured and underinsured motorists bodily injury coverages.

How Michigan auto insurance rates are set

The price of Michigan auto insurance is decided by the behavior of the state's drivers as a whole. Michigan auto insurance companies take the cost of providing insurance for Michigan drivers (this includes settlements and legal fees) and divide it up among the drivers.

But these costs aren't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.

Of course, not all auto insurance providers figure their percentages the same way. This means that they will charge different rates on the same driver.

What this means for you as a driver, is that you need to shop the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on an Michigan auto insurance policy.

Fortunately,shopping around is easy to do online because you'll be able to get several competing quotes.

Where to get Michigan auto insurance quotes.

The following web sites will help you find Michigan car insurance quotes: (these links will open in a new window)


  • ComparisonMarket the best online insurance shopping service. Really. This is where you'll save four hundred bucks.

Click here for your quote.

Others:

• Esurance - a national provider of coverage to all drivers. Big savings if you Quote/Buy/Print online!

  • Netquote is particularly useful if you want a local agent to contact you, to help you set up a policy tailored to your exact needs (and possibly save you even more money).

  • Geico - Like the gecko says: "15 minutes could save you $300 or more on your car insurance".

  • Get quotes in your area, using your ZIP code to find local agents. Enter your ZIP below to get a quote from a local provider:

To speed up the process, you might wish to have some information required for an online quote ready before you begin.

More MI car insurance help

If you want more help designing your MI auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains a lot of money saving advice too.

To find out more about MI auto insurance laws and regulations, contact the state's Consumer and Industry Services. Or read our short guide to no fault auto insurance.

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