10 Best car insurance rates

Find & compare your best rates in 2 minutes


Michigan insurance laws necessitate all motorists to acquire liability insurance coverage before driving a car. The state adheres to a no-fault system and necessitates personal injury protection coverage plus regular bodily injury coverage. There are likewise other alternatives obtainable that you must consider while searching for a Michigan insurance program. Michigan is a no-fault state. Whenever an accident happens, every individual motorist's insurance policy covers their claims equal to a certain extent irrespective of who is at fault in the mishap.

Michigan state minimum limits of liability

Michigan minimum liability limits are placed with physical injury at $20,000 per individual up to $40,000 overall for each accident. For property destruction $10,000 is the least. Only nine other states permit lower liability limits.

Uninsured and underinsured vehicle insurance coverage in Michigan

These two essential insurance policies are authorized in some states, however not in Michigan. Since they are not required by law and because most individuals erroneously consider that no-fault insurance (that is required by law) covers the whole lot, many motorists do not buy policies guarding them against misfortunes involving underinsured or uninsured drivers.

Fines for failure to bring Michigan auto insurance

One is needed by law to possess proof of Michigan auto insurance in your vehicle and produce it if a police officer demands to see it. If that is not the case, it might lead to severe fines. You can get a fine of $200 to $500, sent to prison for about a year or both.

No-fault car insurance in Michigan

Michigan is amongst a dozen states that adhere to some disparity of a "no-fault" auto insurance system. In the no-fault structure, your auto insurance coverage (in Michigan this implies your "PIP" or "personal injury protection" coverage) pays for the medical treatment plus other out of the pocket losses following a car mishap, up to the policy limits, irrespective of who caused the car crash. In Michigan, it is not only the policyholder who is eligible for PIP coverage.

Personal injury protection (PIP)

PIP covers medical outlays. In Michigan, it shall pay for one until they are not any more physically rehabilitating or recovering for damages from whichever given calamity if or not it was your error. It is the most charitable coverage, as there isn't a ceiling to the coverage amount you can obtain. Other profits that the PIP offers take in 85% of the lost income (if you can't work owing to your injuries) plus an everyday domestic appropriation no more than $20. You might get these extra profits for about three years following the accident in certain instances.

Michigan SR-22 requirements

In Michigan, all cars must carry a minimum legal responsibility insurance policy. Michigan drivers who have their license suspended, the motorist must offer proof of financial accountability by filing the SR22. This SR22 shall confirm the driver has the least amount of accountability insurance for a specific time.

Michigan DUI laws

In Michigan, the felony of drunk driving is known as OWI that is an abbreviation that implies "Operating While Intoxicated." The crime of DUI in Michigan is typically categorized as an offense, nonetheless dependent on the figure of priors drunken driving sentences on your record, it might similarly be categorized as a felony. It comes with penalties that may comprise a five-year license revocation and the likelihood of a five year imprisonment. If one is found guilty of the first wrongdoing, then you are probable to get a less severe punishment.


All insured Michigan motorists are needed to disburse Michigan's Catastrophic Claims Association dues. The charge is exclusive to Michigan and guarantees all insured motorists will get limitless medical coverage whenever injured in an accident. The only insured cars do not need to have the MCCA payment are those in stowage with comprehensive coverage only registered on the policy.

To get additional information on Michigan State Auto Insurance Laws contact 517-284-8800 or 877-999-6442 or visit the website https://www.michigan.gov/difs.