Car insurance requirements in Michigan
What the law actually requires, and why it usually isn’t enough.
Every figure on this page is sourced and dated. Requirements change when legislatures amend them, so we say where ours came from and when we last checked.
What Michigan compels you to carry
- Bodily injury liability
- Property damage liability
- Personal injury protection (PIP)
Your own personal injury protection pays your medical costs regardless of who caused the crash, and your right to sue for pain and suffering is limited unless injuries meet a threshold.
What’s specific to Michigan
Michigan's default limits — 250/500/10 — are the highest default in the country.
Drivers may elect lower minimum limits of 50/100/10, but written consent is required. Since 2019 Michigan drivers also choose a PIP medical level rather than receiving unlimited coverage by default.
Why the minimum is a floor, not a recommendation
State minimums are set by legislation. They reflect what lawmakers judged to be the least a driver should carry — often decided years ago and rarely revisited. Michigan’s figures say nothing about your circumstances.
The consequence is concrete: if you cause an accident and the claim exceeds your limits, the remainder can come from you. Liability coverage is the part of the policy protecting everything you own, which is why the sensible question is what you’d have at risk — not what the statute permits.
Checking this yourself
You should not have to take our word for it. The Michigan Department of Insurance and Financial Services publishes the current requirements, handles complaints, and maintains a licence lookup so you can verify anyone selling you a policy.
Find the Michigan insurance department via the NAIC directoryMichigan car insurance questions
Michigan requires at least 250/500/10 — $250,000 of bodily injury liability per person, $500,000 per accident, and $10,000 of property damage liability. Verified 2026-08-17.
Michigan operates an no-fault system. Your own personal injury protection pays your medical costs regardless of who caused the crash, and your right to sue for pain and suffering is limited unless injuries meet a threshold.
Minimums are a legal floor set by legislation, not an assessment of what you'd need. If a claim exceeds your limits the difference can come from you, so the honest test is what you'd have at risk in a serious at-fault accident — not what the statute permits.
The Michigan Department of Insurance and Financial Services publishes the current requirements and a licence lookup. We list our source and the date we last verified these figures on this page, and requirements do change — legislatures amend them.
Get a Michigan quote
We’re licensed in Michigan and work with multiple carriers, so we can compare rather than sell one company’s product.
Requirements verified 2026-08-17 against Insurance Information Institute / APCIA, rev. 7/2024. State insurance law changes — confirm current requirements with the Michigan Department of Insurance and Financial Services before relying on any figure here. General information only, not legal or insurance advice. Quote My Policy LLC is a licensed insurance producer.