What is the minimum insurance requirement in Michigan?

Michigan car insurance laws require $50,000 of bodily injury liability coverage per person (up to $100,000 per accident) as well as $10,000 of property damage liability coverage. Additionally, Michigan drivers need to carry personal injury protection (PIP) and $1,000,000 in property protection insurance. Most drivers will need to purchase at least $250,000 in PIP, though there are some exceptions for Medicare and Medicaid recipients.

Michigan’s insurance laws are unique, since it is the only state that requires property protection insurance (PPI). PPI covers damage to other people’s property within the state of Michigan, such as buildings, mailboxes, and parked cars. It does not apply to moving cars or to accidents that take place outside of Michigan. Additionally, Michigan is a no-fault state, meaning that drivers file most injury claims with their own PIP coverage.

Minimum Coverage Required by Michigan Car Insurance Laws

• Bodily injury liability: $50,000 per person / $100,000 per accident
• Property damage liability: $10,000
• Personal injury protection: $250,000 for most drivers
• Property protection insurance: $1,000,000
• Uninsured motorist insurance: Not required

You can face multiple penalties if you’re caught driving without at least the minimum car insurance required in Michigan.