Anamarie Waite, Car Insurance Writer
@anamarie.waite
Drivers in Michigan need $50,000 of bodily injury liability insurance per person (up to $100,000 per accident) and $10,000 of property damage liability insurance. Michigan also requires personal injury protection (PIP) insurance. PIP covers medical expenses for you and your passengers after an accident.
Here’s 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 |
If you lease or finance your car, you may be required to carry coverage types that are not mandatory under Michigan law. Lenders usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance. Lenders may also require gap insurance, which covers the difference between what you owe on your loan or lease and what the vehicle was worth if it gets stolen or totaled.
Even if you’re not required to carry these optional coverage types, you may still need them. To learn more, check out WalletHub’s guides to dropping optional coverages and the penalties for driving without insurance in Michigan.
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