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.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines
. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.