No matter what Michigan city or town you live in, Liberty Mutual rewards your responsible choices with that could help you save hundreds of dollars a year. As a proud member of the Michigan community, we offer exclusive savings to members of various college alumni groups, employers and associations across the state.
Michigan Auto Insurance Information
As with most states, in order to register and drive your car in Michigan, the state requires that you have a minimum level of certain types of auto insurance coverage. These include:
- Bodily Injury to Others: $20,000 per person / $40,000 per accident
- Property Damage Liability: $10,000 per accident
Michigan is a no-fault state, meaning that if you have an auto accident, no-fault insurance pays for the damages no matter who causes the accident. The above minimums are a part of the no-fault insurance. However, most people opt for higher amounts of auto insurance coverage than the state minimum in order to protect themselves. To learn more about Michigan auto insurance minimums, download the .
What is Personal Injury Protection (PIP) Coverage?
If you are injured in a car accident, Personal Injury Protection (PIP) pays for your medical expenses. PIP coverage in Michigan has no maximum limit and covers:
- Medical expenses from injuries suffered in an auto accident.
- Lost wages due to missed time at work.
- Household replacement services when paying someone to help you with tasks you could have done on your own before you were injured.
Did You Know?
- Liberty Mutual opened its first Michigan office in 1919.
- Liberty Mutual now employs more than 300 people across the state.
Purchasing a Home Insurance policy along with Car Insurance from Liberty Mutual could qualify you for a multi-policy discount. Learn more about our .