Anamarie Waite, Car Insurance Writer
@anamarie.waite
Michigan law requires you to have $50,000 in coverage for one person’s bodily injury or death ($100,000 per accident) and $10,000 for other people’s property damage when you are at fault. Michigan also requires personal injury protection (PIP) and property protection insurance.
PIP covers medical expenses for you and your passengers after an accident. Property protection insurance pays for damage your car does to another Michigan resident’s property.
How Much Car Insurance Drivers Need in Michigan
| Coverage Type | Minimum Coverage Limit |
| Bodily Injury Liability Coverage (per person) | $50,000 |
| Bodily Injury Liability Coverage (per accident) | $100,000 |
| Property Damage Liability | $10,000 |
| Personal Injury Protection | $250,000 |
| Property Protection Insurance | $1,000,000 |
Types of Car Insurance Required in Michigan
Pays for other people’s medical expenses when you’re at fault for an accident.
Pays to repair or replace other people’s property if it’s damaged in an accident you’re at fault for.
Personal Injury Protection (PIP)
Covers accident-related medical expenses for you and any passengers in your car.
Property Protection Insurance
Covers costs if you accidentally damage another Michigan resident's property – like their fence, home or parked car – with your vehicle while you’re in Michigan.
Optional Car Insurance Coverage in Michigan
If you lease or finance your car, lenders may require you to carry types of coverage – such as comprehensive, collision and gap insurance – that are not mandatory under Michigan law. Even if you’re not required to carry these optional coverage types, they may still be worth getting so you and your car are fully protected.
Covers medical bills if your car is hit by a driver who doesn't have enough liability insurance.
Covers damage to your vehicle caused by a collision with another car or with a stationary object.
Pays for damage to your vehicle caused by something other than an accident, like vandalism, extreme weather, falling objects, or animals.
Covers the difference between what you owe on your loan or lease and what the vehicle was worth if it gets stolen or totaled.
To learn more about when to drop optional coverage and the penalties for driving without insurance in Michigan to make sure you’re paying for the coverage you need.
People also ask
How much is car insurance in Michigan per month?
Car insurance in Michigan costs $108 per month or $1,300 per year for minimum coverage, on average. The cheapest car insurance companies in Michigan are Travelers, Secura, and Wolverine, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Michigan is 96% higher than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Michigan, including...
read full answer by Candace Baker, Car Insurance WriterWhy is Michigan car insurance so expensive?
Car insurance in Michigan is expensive because it's a no fault state with high insurance coverage requirements. But the biggest reason Michigan drivers pay more for car insurance than anyone else in the country is that it is the only state with unlimited lifetime coverage for catastrophic injuries. This means victims of life-changing crashes receive unlimited medical coverage for the rest of their lives. In Michigan, you can expect to pay approximately $6,310 per year for full...
read full answer by Anamarie Waite, Car Insurance WriterIs $200 a month for car insurance expensive?
Yes, $200 a month for car insurance is expensive, especially for minimum coverage. Minimum coverage costs about $60 per month on average, while full coverage costs an average of $166 per month, so paying $200 monthly would be a lot.
Average Cost of Car Insurance by Company
| Company | Cost for Minimum Coverage | Cost for Full Coverage |
| ... | $39 per month | $163 per month |
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