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Michigan Car Insurance

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Here's what you need to know when driving in Michigan

Across the Great Lakes State, there are 255,924 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Car Insurance Laws

Minimum insurance requirements in Michigan

In Michigan, the minimum coverage requirements are as follows:
  • Bodily Injury $20,000 per person
  • Bodily Injury $40,000 per accident
  • Property Damage $10,000 per accident
Personal Injury Protection
  • No Limit
Property Protection Insurance
  • $1,000,000 per accident
Optional coverage in Michigan (varies by carrier):
  • Comprehensive
  • Collision
  • Limited Collision
  • Loan/Lease Payoff
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

With Michigan being a “no-fault” state, the liability coverage required on your policy mainly serves to provide coverage if you are involved in an accident out of state when you are considered to be “at-fault”, and inside the state line in extreme cases like causing death or permanent disability or disfigurement. The coverage limits are determined by each individual state and normally split into three categories. In Michigan, the minimum is listed as 20/40/10 and explained below:

$20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Personal Injury Protection (PIP) coverage can be coordinated with your health insurance to decrease the cost of your auto insurance premium or can provide primary medical coverage for injuries resulting from an auto accident if you happen to not have health insurance. The PIP selection will depend on the details of your health coverage so read the fine print on your medical policy carefully to determine the proper selection on your auto policy. Because Michigan is a “no-fault” state and PIP coverage does not have a dollar-specific cap, a driver’s right to sue is restricted to extreme situations involving death or permanent disfigurement or disability resulting from an auto accident.

Property Protection Insurance provides coverage up to $1,000,000 for damage that you may cause to fixed objects during an accident, such as:


Road Signs

Road Construction Equipment

Fences and Barriers

This does not provide coverage for damage to other vehicles.

Michigan is a no fault state!

What does this mean for you?

Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.

Top Michigan Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.

Car Insurance FAQs

Are digital insurance cards accepted in Michigan?


What does this mean for you?

While laws are rapidly changing, many states do not accept digital insurance cards including Michigan. This means you will need a physical insurance card to provide valid proof-of-coverage when necessary.

Do I need uninsured motorist coverage in Michigan?

Uninsured Drivers in Michigan




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Michigan cities?

Rank City Avg. Annual Premium
1 Detroit $4,911
2 Dearborn $4,042
3 Southfield $3,941
4 Pontiac $3,603
5 Flint $3,405
6 Warren $3,356
7 Dearborn Heights $3,272
8 Taylor $3,147
9 Sterling Heights $2,984
10 Westland $2,879
11 St. Clair Shores $2,764
12 Farmington Hills $2,731
13 Livonia $2,661
14 Troy $2,588
15 Saginaw $2,532
16 Rochester Hills $2,517
17 Royal Oak $2,512
18 Novi $2,489
19 Lansing $2,415
20 Battle Creek $2,402
21 Kalamazoo $2,237
22 Grand Rapids $2,230
23 Kentwood $2,228
24 Wyoming $2,173
25 Ann Arbor $2,107

More questions?

Check out other FAQs and ask your own Michigan car insurance questions here.
Driving Laws

Michigan Texting and Driving Laws

  1. Ban on all cell phones for school bus drivers
  2. Ban on all cell phones for Level 1 or 2 License
  3. Ban on text messaging for all drivers
Alcohol Related Fatalities


Per Year in Michigan
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Cheap Car Insurance

It's expensive to get car insurance in Michigan!

Dang! Michigan is definitely not one of the cheapest states for car insurance. Dont worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Since Michigan might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.
What's the cheapest car insurance in Michigan?
Rank Company Name Avg. Annual Premium
1 Safeco $368
2 USAA $968
3 GEICO $1,013
4 MetLife $1,337
5 Chubb $1,400
6 MEEMIC $1,422
7 Pioneer State Mutual $1,459
8 Hastings Mutual $1,611
9 Auto-Owners $1,669
10 Frankenmuth $1,679
11 SECURA $1,814
12 Progressive $1,885
13 Wolverine Mutual $2,169
14 Allied $2,286
15 Grange Mutual $2,299
16 Allmerica $2,339
17 Hanover $2,352
18 Auto Club Group $2,440
19 Nationwide $2,567
20 Farm Bureau $2,625
21 Millers $2,783
22 Esurance $2,871
23 State Farm $2,948
24 Allstate $3,065
25 Mercury $3,419
26 Bristol West $3,497
27 Liberty Mutual $3,509
28 Farmers $4,055
29 National General $4,509
30 Encompass $4,730
31 Farm Bureau N/A
32 Frankenmuth N/A
33 Hastings Mutual N/A
34 Millers N/A
35 Pioneer State Mutual N/A

Michigan Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Michigan area, while also getting an insider view of the Great Lakes State.

Click here to learn more.


So, Michigan students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • This is not a traditional video essay. We do not want an extended selfie of your face (as lovely as it is) speaking to the camera. Make sure your video includes creative visual elements.
  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original two to five minute video. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59pm CST on December 31, 2016.
  • Winner(s) will be selected and notified by e-mail by January 15, 2017.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.