Auto
START MY QUOTENo-Fault Insurance is required by law in the state of Michigan. Every owner of a car must buy certain basic coverages in order to get license plates. It is against the law to drive or let your car be driven without no-fault insurance.
In Michigan, you’re legally required to have the required coverage listed below. Once you’re familiar with the basics, take a look at the common coverage levels of policyholders in Michigan. It’s a great way to get a sense of what others are choosing in your area.
| Coverage Type | Michigan Requirements | Common Coverage Levels in Michigan |
| Bodily Injury Liability
Covers expenses related to the injury or death of another driver or a pedestrian when an accident is your fault. |
$20,000 limit per person /
$40,000 limit per accident |
$100,000 limit per person /
$300,000 limit per accident |
| Property Damage Liability
Covers expenses related to the damage of another person’s property – like vehicles, homes, buildings, and other structures – when an accident is your fault. |
$10,000 limit | $100,000 limit |
| Uninsured Motorist
Covers medical expenses if you’re in an accident, the other driver is at fault and doesn’t have any insurance |
Not required | $100,000 limit per person /
$300,000 limit per accident |
| Underinsured Motorist
Covers medical expenses if you’re in an accident, the other driver is at fault and doesn’t have enough insurance |
Not required | $100,000 limit per person /
$300,000 limit per accident |
| Personal Injury Protection
If you and/or your passengers are hurt in an accident, this can cover your medical bills plus related expenses like income continuation. |
Unlimited on medical, primary or excess by plan | Common coverage varies on individual health insurance coverage amounts |
| Collision
(Limited, Broad & Standard) Covers expenses to repair or replace your vehicle that’s been damaged in an accident. |
Not required | $500 deductible with broad form insurance |
| Comprehensive
Covers expenses to repair or replace your vehicle that’s been damaged in situations like theft, hitting a deer, and weather damage. |
Not required | $250 deductible |
| Property Protection
Covers expenses related to the damage of buildings, parked vehicles or other stationary structures |
$1,000,000 limit | $1,000,000 limit |
To learn more about Michigan auto insurance minimums, download the Brief Explanation of Michigan No-Fault Insurance.
Don’t Forget About Discounts
Our insurance carriers offer a wide range of discounts that can save you as much as 37% off your annual auto insurance premium. These discounts include:
- Multi-policy
- Multi-vehicle
- Good driver
- Good student
- Occupational discounts / Group discounts
- Alumni discounts