What are the minimum car insurance requirements in Michigan?

Michigan requires at least 50/100/10 bodily-injury/property-damage liability coverage, and Tiered (driver-selected) in personal injury protection (PIP). Michigan is a no-fault state.

Who has the cheapest car insurance in Michigan?

Among major carriers, State Farm, Geico, and USAA (for military-eligible drivers) often rank lowest for clean-record drivers in Michigan, but regional insurers can beat them. Compare at least 3–5 quotes for identical coverage at every renewal.

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MichiganMI

Auto insurance regulation, rate filings, and editorial coverage for Michigan. AutoInsureWire summarizes reporting from primary publishers and links outbound to original sources.

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Licensed agents in Michigan

Liability minimum

50/100/10

BI per person / per accident / PD

UM/UIM

Not required

Uninsured motorist

PIP

Tiered (driver-selected)

Personal injury protection

No-fault state

Yes

Tort restrictions apply

Avg full coverage

$1,914

2026 US national average

Latest from Michigan

1 stories · rolling

Regulation1w ago

Michigan Proposes Ban on Price Optimization in Auto Insurance

A new state bill would prohibit insurers from using a controversial pricing technique that can charge customers more based on their willingness to shop around.

via Repairer Driven News5 MIN

Coverage requirements, decoded

Coverage type	Michigan requires	Recommended
Bodily injury liability	50/100	100/300
Property damage liability	10	100
Uninsured motorist	Not required	Match liability
PIP / Med-pay	Tiered (driver-selected)	$10,000+
No-fault	Yes	—

Standard published limits. Confirm current requirements with the Michigan Department of Insurance before you buy.

Coverage cost estimator

Beta · NAIC + DOI base rates

What you'd pay, roughly

Quick directional estimate using public NAIC base rates and standard underwriting multipliers. Real quotes will vary — call for binding numbers.

State

Driver age · 35

Coverage

Driving record

Vehicle type

Credit tier

Enrolled in telematics / UBI program (−15%)

Updated live

Your estimate

$2,874

per year · $240/mo

▼ 8% vs. CA state average

CA full base$3,124

Age band (35)× 0.92

Record (clean)× 1.00

Vehicle (sedan)× 1.00

Credit (good)× 1.00

Get a real quote in 90 seconds

(855) 629-1947

Licensed agents · all major carriers

Estimator is informational only. Multipliers are public-rate-filing approximations. Actual quotes depend on full underwriting.

Premium tables

Detailed age, city, and carrier-share tables for Michigan are being verified against NAIC and state DOI sources. Available for CA, NY, FL, TX, NJ.

Cheapest carriers in Michigan

Clean-record · 35yo · full coverage

State Farm

$1,480/yr

Geico

$1,542/yr

Progressive

$1,714/yr

Allstate

$1,840/yr

Averages for a 35-year-old single driver, clean record, 2020+ sedan, 100/300/100 limits. Source: NAIC + carrier rate filings, verified May 9, 2026. Your quote will vary.

Michigan-specific questions

Frequently asked, answered locally.

What this means for Michigan drivers

State minimums are a legal floor, not a recommendation. Most consumer advocates suggest 100/300/100 for any driver with savings, home equity, or future earnings to protect. Compare quotes annually — the price gap between best and worst quote in Michigan routinely exceeds $700 a year.

Talk to a Michigan agent · (855) 629-1947 →