Michigan Car Insurance Requirements

Minimum Coverage Requirements

Michigan requires drivers to carry minimum liability insurance of 50/100/10 — meaning $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $10,000 for property damage. Personal Injury Protection (PIP) is also required, covering medical expenses regardless of fault.

Average Car Insurance Costs in Michigan

Drivers in Michigan typically pay approximately $2,310 per year ($193/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Michigan

State Regulations and Key Rules

Michigan overhauled its no-fault system in 2019. Drivers can now choose their PIP level: unlimited, $500K, $250K, $50K, or opt out if covered by qualifying health insurance. Historically among the most expensive states for car insurance.

What Makes Michigan Unique

Michigan's 2019 no-fault reform was one of the most significant changes to state car insurance law in decades. The reform was intended to lower premiums by allowing drivers to select lower PIP limits, but high uninsured rates remain a challenge.

Uninsured Drivers in Michigan

Approximately 25.5% of drivers in Michigan are estimated to be uninsured. This is a notably high uninsured rate — UM/UIM coverage is strongly recommended and, in many cases, essential for adequate financial protection.

Risk Factors Specific to Michigan

Detroit's uninsured driver rate is among the highest in the nation, making UM coverage essential. Michigan winters produce significant ice and snow hazards statewide. Lake Michigan coastal areas receive heavy lake-effect snow that creates dangerous driving conditions.

What Michigan’s Minimum Actually Covers

Michigan’s minimum is 50/100/10: $50,000 per injured person, $100,000 total per accident for injuries, and $10,000 for property damage. With new vehicles averaging roughly $50,000, the $10,000 property damage limit would leave about $40,000 unpaid if you totaled an average new car — and that gap becomes your personal debt. On the injury side, a single hospital admission after a serious crash can exceed $50,000 quickly; anything above the limit can be pursued from your assets and future wages.

No-Fault, PIP, and Required Add-Ons in Michigan

Michigan is a no-fault state: after most accidents, your own personal injury protection (PIP) pays your medical bills and some lost wages regardless of who caused the crash. Required PIP: a choice of levels, from $50,000 (Medicaid enrollees) up to unlimited. You can generally sue the at-fault driver for pain and suffering only when injuries pass the state’s threshold. Uninsured motorist coverage isn’t mandatory in Michigan, though insurers generally must offer it and you may have to reject it in writing.

How Michigan Compares: Uninsured Drivers and Price

An estimated 25.5% of Michigan drivers are uninsured — roughly 1 in 4 — one of the highest uninsured rates in the country. At that rate, uninsured motorist coverage is one of the most valuable add-ons you can buy.

Our average premium estimate of $2,310 a year puts Michigan among the ten most expensive states in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Michigan

Detroit has some of the highest car insurance rates of any major U.S. city — drivers there should aggressively compare quotes and consider the 2019 reform's PIP options carefully. Drivers with strong health insurance may benefit from selecting lower PIP limits to reduce premiums. Uninsured motorist coverage is critical given Michigan's high uninsured driver rate.

• Michigan's minimum liability requirement of 50/100/10 is the legal floor, not a safe target — since Michigan already requires PIP coverage, review whether that limit alone would cover a serious injury claim.
• With an estimated 25.5% of Michigan drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in Michigan?

50/100/10: $50,000 of bodily injury liability per person, $100,000 per accident, and $10,000 of property damage liability.

Is Michigan a no-fault state?

Yes. Your own personal injury protection pays your medical bills after most accidents regardless of fault. Required PIP: a choice of levels, from $50,000 (Medicaid enrollees) up to unlimited.

How many drivers are uninsured in Michigan?

An estimated 25.5% of Michigan drivers are uninsured, roughly 1 in 4.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.