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Before you hit the road to explore Michigan’s Great Lakes, make sure you have the proper car insurance coverage. If you’re new to Michigan you need to know the minimum insurance coverage requirements and compare providers to get the best price.
Michigan is a no-fault state. Which means that no matter what insurance you go with, you’ll need no-fault liability, personal injury and property coverage. Make sure you carry proof of your insurance plan with you — including digital versions on any smart device.
Common car insurance discounts
To save on your car insurance, ask about available discounts. Options will vary depending on the insurer, but common discounts include good student, multicar, antitheft, multipolicy, paid-in-full, homeowner’s, claim-free and safety device discounts.
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Rates last updated February 23rd, 2018
Driving requirements in Michigan
Every driver in the state of Michigan is required to carry minimum liability insurance coverage that includes:
$20,000 bodily injury liability per person.
$40,000 bodily injury liability total per accident.
$10,000 property damage liability total per accident.
When shopping for insurance, you’ll see this coverage written as 20/40/10.
In addition to liability, Michigan requires that you have no-fault car insurance to cover injuries and damages in an accident, no matter who’s at fault. This includes personal injury protection and personal property insurance.
What is personal injury protection (PIP) coverage?
Personal injury protection coverage pays up to 80% of any medical costs resulting from an accident and up to 60% for lost wages — regardless of who caused it. If there’s any ambiguity about who is at fault, you’re still protected.
Some states require that you carry uninsured or underinsured motorist’s coverage (UM/UIM), which protects you if you’re in an accident caused by an uninsured driver. Michigan does not require this coverage — though 1 in 5 drivers on the roads in Michigan don’t carry minimum coverage, so you might want to consider adding it to your plan.
If you plan on driving on the roads in Michigan, you might want extra coverage for peace of mind.
Limited property damage. Drivers may recover up to $1,000 from the at-fault driver’s insurance company for vehicle damage repair costs.
Gap coverage. If your leased or financed car is totaled in an accident, this coverage pays the difference between what your insurer will cover and the remainder of your existing loan or lease.
Rental coverage. Helps pay for a rental car if you need one after an accident.
Towing and labor. Provides reimbursement for towing and labor required when your car is damaged in an accident.
Custom parts and equipment (CPE). Helps cover permanently installed custom parts or equipment, devices, accessories, enhancements, etc. that alter the vehicle’s performance or appearance.
What should I do after an accident in Michigan?
While you can hope that you’re never involved in an accident in Michigan, it’s best to prepare. No matter how minor the accident appears, confirm that everyone is safe before worrying about your insurance claim.
Safety first. Ensure that no one involved or near the accident has been injured. If everyone is OK and you don’t think it’s dangerous, try to move your vehicle to the side of the road. Consider calling the local police for help.
Exchange information. You’re legally required to provide your insurance and contact information to drivers involved in an accident. Don’t forget to take down their information too, including details like their vehicle’s make and model, their insurance policy and how to contact them.
Notify your insurance agent. Call your insurance company before you leave the scene. An agent will be able to guide you through more specific next steps and answer any questions you have.
Document the scene. Take pictures of the scene from multiple angles, focusing on any damages. Get the contact information of any potential witnesses.
When talking with others involved in the accident, take care not to admit fault — even if you feel it’s true. If you do, your car insurance company could refuse to pay your claim.
Who’s at fault after an accident?
Michigan is a no-fault state. That means that if you’re injured in a car accident, your insurance company will pay your medical bills (up to your policy’s limits), regardless of who caused it.
What if I don’t have insurance?
If you’re pulled over in Michigan without proof of insurance, you could face up to $500 in fines — and even jail time. In some cases, you could have your license suspended for at least 30 days or until you’re able to prove you have proper coverage.
How to report an accident in Michigan
Michigan requires that you report accidents that result in damages that appear to be more $1,000. An investigating officer will write a report on all accidents involving a death or injury.
You’re not required to file a written accident report, though you must report it in person to the nearest police station or police officer.
There’s no penalty for not reporting an accident, as long as the driver stops and exchanges information with the other driver. Failure to do this could get you up to 15 years in jail or a fine of up to $10,000 — depending on how bad the accident is.
Uninsured drivers in Michigan
The state of Michigan requires that all of its drivers have insurance. However, it’s estimated that 21% of drivers are uninsured — that’s significantly higher than the 12.6% national average.
To protect yourself from damages in a car accident, consider adding uninsured or underinsured motorist insurance to your policy.
Having the best insurance coverage you can afford protects you, your family and the drivers on your neighborhood roads. Be sure to research providers, coverage and cost to find the best insurance for your needs.
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Common questions about car insurance in Michigan
Each car insurance provider and policy varies, but most policies are affected by factors like your driving record, age, where and how much you drive and your car’s year, make and model.
Every driver has a right to obtain car insurance in Michigan. If you’re denied car insurance based on your driving history or any other factor, get in touch with a licensed agent to ask about the Michigan Auto Insurance Placement Facility (MAIPF) which provides coverage to higher-risk drivers.
Insurers have the right to cancel car insurance policies at any time, although most providers reserve cancellation for drivers who file multiple claims in a short time or engage in risky driving behaviors that result in multiple tickets or DUI/DWIs.
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