McKayla Girardin, Car Insurance Writer
@mckayla_girardin
No-fault insurance in Michigan is automatically included in a minimum coverage policy, which costs an average of $159 per month ($1,908 annually). Personal injury protection (PIP) is often referred to as no-fault insurance and is a mandatory type of coverage for most Michigan drivers. PIP covers the policyholder’s accident-related medical expenses regardless of fault, and the no-fault insurance system limits drivers’ ability to sue for minor injuries after an accident.
Cheapest No-Fault Insurance in Michigan
| Company | Monthly Cost |
| $22 | |
| $28 | |
| $49 | |
| $53 | |
| $54 |
Note: Premiums are representative of a 45-year-old good driver with a minimum coverage policy; individual premiums will vary.
Because PIP/no-fault insurance is a mandatory type of coverage in Michigan, it is automatically included in a minimum coverage policy. Michigan drivers are required to carry at least $250,000 of PIP coverage, though lower limits are available for those who have Medicare or Medicaid. There is also a $500,000 limit option and an unlimited coverage option for those who want extra protection in case of an accident.
To learn more, check out WalletHub’s guide to no-fault insurance.
People also ask
What does no-fault insurance cover in Michigan?
No-fault insurance in Michigan covers your medical bills and related expenses if you are injured in a car accident, regardless of who was at fault. The no-fault insurance system in Michigan requires drivers to carry personal injury protection (PIP) to pay for expenses such as medical bills, lost wages, or funeral costs. In Michigan, you are required to carry at least $250,000 in personal injury protection insurance.
What No-Fault Insurance Covers in Michigan
| ... | Not Covered |
How much car insurance do I need in Michigan?
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
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