Car insurance requirements in Michigan

It’s important for residents to know car insurance requirements in Michigan. The following are the coverage types and limit amounts required for auto insurance in Michigan; however these minimums are just a starting point, and you may want to consider increasing your coverage limits or purchasing additional coverage for further protection. 

  • Bodily Injury Liability to cover injury or death related expenses in an accident when you’re at fault – $50,000 limit per person/$100,000 limit per accident; beginning July 2, 2020, existing policyholders who do not select a lower limit will default to $250,000 per person/$500,000 per accident. 
  • Property Damage Liability to cover property damage expenses in an accident when you’re at fault – $10,000 limit 
  • Personal Injury Protection to cover medical or funeral expenses if you and/or your passengers are hurt in an accident – Available ranging from no coverage to continuing unlimited coverage depending on health coverage type and needs. Additionally, limited non-medical coverage is available for work loss, necessary services, survivors loss and funeral expenses. 
  • Property Protection to cover expenses for damaged buildings, park vehicles or other stationary structures, regardless of who’s at fault. 

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Posted by Greta Eby

As a contributing editor, Greta helps create and develop insurance content on Rate Retriever. Her specialty is laying out information-rich insurance content so that it is easy and quick to digest. She has been with Rate Retriever since its start in 2022.