What is the minimum auto insurance requirements in Michigan?
- In Michigan, drivers must carry the state’s mandated minimum 50/100/10 liability coverage and no-fault insurance, encompassing personal injury protection (PIP), property protection insurance (PPI), and residual liability insurance. All will be explained in further detail below.
What is the average car insurance rate in Michigan?
- The rankings and listings of our reviews, tools and all other content are based on objective analysis, and we fully own our opinions. In our research, we found that average car insurance in Michigan is $262 per month for a full coverage policy.
Should you get minimum car insurance?
- If your car is registered and you have current tag you must carry the minimum car insurance. Personal injury protection covers you even if the accident was not your fault. If someone is riding with you in your car and does not have PIP, the PIP will cover his or her injuries.
Does Michigan require auto insurance?
- Michigan requires every motorist to carry car insurance with a minimum level of coverage. Under Michigan's no-fault law, insurers cover the reasonable and necessary medical expenses for drivers and their passengers injured in an accident, regardless of fault. As a result, the state’s drivers have some of the highest auto insurance costs nationwide.
Your policy must pay at least $20,000 for each injured person, up to a total of $40,000 per accident, and $10,000 for property damage per accident.