Michigan Auto Insurance: Costs & Coverage Guide
Michigan requires 50/100/10 liability coverage and is a no-fault state.
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Michigan at a Glance
50/100/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Michigan operates under a no-fault system, meaning your own insurance pays your medical bills regardless of who caused the crash. The Michigan Department of Insurance and Financial Services (DIFS) requires all drivers to carry proof of insurance and report it electronically through the state's database.
Personal Injury Protection (PIP)
Bodily Injury Liability
Property Damage Liability
Property Protection Insurance (PPI)
Cost Overview
$60–$129/mo
Typical monthly rate in Michigan, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
Find the Lowest Rate That Still Protects You
Find Your Lowest RateCoverage Types
Liability Insurance
The 20/40/10 minimum costs $60–$120/month but exposes you to personal lawsuits if you cause serious injuries. Raising to 50/100/25 adds $15–$30/month and covers most single-vehicle accidents without exceeding limits.
Personal Injury Protection (PIP)
Required unless you qualify to opt out through Medicaid. The $50,000 minimum costs $80–$180/month; unlimited PIP costs $200–$350/month. Choose based on your health insurance — if you have a strong employer plan, $50,000–$250,000 is usually sufficient.
Collision Coverage
Pays to repair your car after a crash, minus your deductible. Costs $40–$90/month depending on vehicle value. Drop this if your car is worth less than $4,000 — three years of premiums will exceed the payout.
Comprehensive Coverage
Covers theft, vandalism, weather, and animal strikes. Costs $25–$60/month. Detroit has one of the highest auto theft rates in the nation (6.8 thefts per 1,000 residents), making comprehensive more valuable in urban areas.
Uninsured Motorist Coverage
Optional in Michigan. Covers your injuries if hit by a driver with no insurance. Costs $8–$20/month. Less critical here than in other states because Michigan's no-fault PIP already covers your medical bills regardless of who caused the crash.
Full Coverage
Bundled liability, collision, comprehensive, and elevated PIP — typically 100/300/50 liability with $250,000–$500,000 PIP. Required by lenders. Costs $280–$520/month; only justified if your vehicle is worth more than $6,000 or you're financing.