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No-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
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