State Guide

Michigan Auto Insurance Requirements

Michigan auto insurance shoppers need more than a list of minimum limits. Use this guide to understand the no-fault framework, PIP medical choices, property protection insurance, residual liability, and optional protection for your own vehicle. Then compare quotes with the same drivers, vehicles, limits, deductibles, and payment assumptions so a lower price does not hide a meaningful coverage difference.

No-fault model

At a Glance

Coverage type State requirements
Bodily injury liability

Helps cover expenses related to injury or death of another driver or a pedestrian when an accident is your fault.

 Default $250,000 per person / $500,000 per accident unless another eligible limit is selected; lowest selectable option is $50,000 / $100,000.
Property damage liability

Helps cover damage to another person's property, including vehicles, homes, buildings, and structures.

 $10,000 for property damage in another state, plus Michigan property protection insurance for certain in-state property damage.
Uninsured / underinsured motorist

Can help with injury costs if the at-fault driver has no coverage or not enough coverage.

 Not state-required
Personal injury protection / medical benefits

First-party medical benefits that may apply depending on state framework and policy setup.

 Required; medical choice depends on eligibility
Collision

Helps repair or replace your own vehicle after an at-fault or single-vehicle accident.

 Not state-required (may be lender-required)
Comprehensive

Helps cover non-collision losses such as theft, vandalism, or weather-related damage.

 Not state-required (may be lender-required)

Liability limits shown as per person / per accident / property damage (Michigan no-fault uses PIP, property protection insurance, and residual liability; verify current choices with Michigan DIFS.).

Framework context: This state generally uses a no-fault framework for injury claims, which can involve first-party Personal Injury Protection (PIP) and thresholds before lawsuits in some scenarios.

Compliance lens: Michigan no-fault policies require extra attention because PIP medical choices, property protection insurance, residual liability limits, and optional vehicle damage coverages can all change the quote and the claim outcome.

Insurance department directory

Coverage Categories to Review in Michigan

  • Liability: bodily injury and property damage limits for damages you may cause to others.
  • Injury benefits: PIP, MedPay, or similar first-party injury benefits depending on state framework.
  • Uninsured/Underinsured motorist: protection when another driver has insufficient coverage.
  • Comprehensive and collision: vehicle damage protection that may be required by a lender even when not state-mandated.

Michigan No-Fault Notes Before You Quote

  • PIP medical: Michigan DIFS lists multiple PIP medical choices, including unlimited and limited options. Some lower or opt-out choices depend on qualifying health coverage, Medicaid, Medicare, or household exclusions.
  • Liability limits: Do not compare price until the quote uses the same bodily injury limit choice and property damage assumptions.
  • Property protection: Michigan property protection insurance is separate from the out-of-state property damage liability shorthand shown in many national minimum-limit tables.
  • Optional protections: Uninsured/underinsured motorist, collision, comprehensive, rental, roadside, and loan/lease coverage should be reviewed separately because they answer different claim questions.

Reviewed guidance: Michigan DIFS no-fault, PIP medical, and bodily injury resources reviewed June 1, 2026.

Compair Planning Checklist

  1. Verify current minimum requirements for Michigan using official department and statute resources.
  2. Set target limits above minimums based on assets, income risk, and household needs.
  3. Request quote comparisons using identical limits and deductible assumptions.
  4. Review policy exclusions, endorsement options, and proof-of-insurance requirements before binding.

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Educational content only. Minimums and filing rules can change by statute or regulatory update. Always verify official requirements before purchase decisions. Last updated: July 24, 2026.