Michigan car insurance: minimums, prices and your estimate
Michigan requires at least $50,000 of bodily injury liability per person, $100,000 per accident, and $10,000 of property damage liability (written 50/100/10).
Michigan is a no-fault state where you choose your personal injury protection medical level, with unlimited as the default. Insurers may not base rates on sex, marital status, ZIP code, credit score, education, occupation or home ownership, though grouping by territory is allowed.
- Legal minimum
- 50/100/10
- Fault system
- No-fault
- Personal injury protection
- Required
- Uninsured motorist
- Optional
- Underinsured motorist
- Optional
- Credit-based pricing
- Credit score banned; insurance scores limited
- Gender-based pricing
- Not allowed
- High-risk proof filing
- Check with the state
What drivers in Michigan can expect to pay
Monthly ranges from our model, anchored to Michigan's position in 7 published price studies from 2025 and 2026 ($3,457 a year for full coverage and $883 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $248-$328 | $3,457 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $63-$84 | $883 |
| Young driver, full coverage20, own policy, clean record | $461-$692 | $6,914 |
| Senior, full coverage70, clean record | $238-$315 | $3,319 |
| After one at-fault accident35, full coverage | $372-$493 | $5,185 |
| After a DUI35, full coverage | $433-$650 | $6,499 |
| Poor credit35, clean record, full coverage | $339-$488 | $4,961 |
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Rules worth knowing in Michigan
- You can lower personal injury protection (PIP) medical coverage from unlimited to $500,000 or $250,000. Going lower has conditions: $50,000 requires Medicaid, opting out requires Medicare Parts A and B, and household members must have other coverage.
- Bodily injury liability defaults to $250,000 per person and $500,000 per accident. To buy less, down to the state minimum, you must sign a form approved by the Michigan Department of Insurance and Financial Services.
- Property protection insurance is also required and pays up to $1 million for damage your car does in Michigan to other people's property, such as buildings, fences and properly parked cars.
- If you are 50% or more at fault in a crash, the other driver can claim up to $3,000 from you for damage to their vehicle, called a mini-tort claim. Optional limited property damage coverage can pay it.
- Uninsured and underinsured motorist coverage are optional in Michigan.
- If you are told you need an SR-22 or other proof-of-insurance filing, Michigan sets how long you must keep it, so check with the state's driver licensing office.
Questions about Michigan car insurance
What is the minimum car insurance in Michigan?
Michigan requires at least $50,000 of bodily injury liability per person, $100,000 per accident, and $10,000 of property damage liability (written 50/100/10).
How much is car insurance in Michigan per month?
For a 35-year-old with a clean record, our model puts full coverage at about $248 to $328 a month and state-minimum coverage at about $63 to $84. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Michigan a no-fault state?
No-fault state: your own personal injury protection (PIP) pays your medical bills first, whoever caused the crash, and lawsuits are limited to more serious injuries.
Can insurers in Michigan use my credit score?
Partly. Credit score banned; insurance scores limited, so it counts for less here than in most states.
Do I need an SR-22 in Michigan?
Only if a court or the state requires one, usually after a serious violation or a lapse. If you are told you need an SR-22 or other proof-of-insurance filing, Michigan sets how long you must keep it, so check with the state's driver licensing office.