- Car Insurance
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- Michigan Car Insurance
Get a Michigan car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Michigan Customers: Please note that effective July 1, 2023, the definition of 'Qualified Health Coverage' as it relates to Personal Injury Protection Medical Coverage has been updated per MI DIFS Bulletin 2023-12-INS. For policies issued or renewed effective July 1, 2023 and later, the new required deductible for 'Qualified Health Coverage' is $6,579 or less per individual (formerly $6,000 or less per individual).
Buying auto insurance in Michigan
Michigan drivers could save money with these auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programMichigan minimum car insurance requirements (50/100/10)
It's illegal to drive without car insurance in Michigan. To drive legally, you need to have at least the following coverage amounts and minimums in Michigan.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $50,000 per person and $100,000 per accident |
| Property Damage Liability Coverage | $10,000 per accident |
| Personal Injury Protection (PIP) | Required in Michigan, with coverage levels that can vary based on your situation and choices. |
Visit the Michigan Department of Insurance and Financial Services to learn more about minimum coverage requirements.
Average car insurance cost in Michigan, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Michigan is about $2,532 per year.
Michigan drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
Who offers cheap insurance in Michigan?
Finding the cheapest car insurance in Michigan may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate
Is Michigan a no-fault state?
In Michigan's no-fault system, your own Personal Injury Protection (PIP) coverage helps pay for medical expenses, lost wages, and certain other costs after an accident, regardless of who was at fault.
Michigan is a no-fault state. The law was updated in 2019, with changes effective on July 1, 2020. Under the new rules, drivers can choose from several Personal Injury Protection (PIP) medical coverage levels, including the option to opt out in certain qualifying situations.
What is Michigan's Mini-tort Law?
Michigan's mini-tort law allows drivers to recover up to $3,000 in vehicle damage costs from an at-fault driver when their own insurance does not fully cover the damage. This may include a collision deductible or vehicle repair costs not covered by the policy. To recover damages under Michigan's mini-tort law, the other driver must be at least 50% at fault for the accident.
Michigan car insurance FAQs
- Many Michiganders choose to add optional coverages beyond the state's required liability and no-fault insurance coverages. Collision coverage may help pay for damage to your vehicle after a covered accident, while Comprehensive coverage may help protect against damage from events like theft, hail, vandalism, falling objects, or collisions with animals.
Other optional coverages can include Uninsured/Underinsured Motorist coverage, Rental Car Reimbursement, Roadside Assistance, and additional coverage options that may help reduce out-of-pocket costs after a covered loss.
- Liberty Mutual offers car insurance online to Michigan drivers with a valid driver's license and vehicle identification number (VIN). You'll also need to provide your current odometer reading and the ZIP Code where the car is registered. Insurance quotes from our online experience are free and typically take less than 10 minutes to get.
- Several factors affect your car insurance rate, including your age, driving history, and the make and model of your vehicle. Michigan-specific factors include your Personal Injury Protection (PIP) coverage levels and whether you opt out of it due to the “qualified health coverage” rules. Discounts from Liberty Mutual can also lower your monthly car insurance rate.
Car insurance in Michigan is often more expensive than in many other states because Michigan drivers are required to carry specific types of coverage under the state's no-fault insurance laws. Costs can also be impacted by factors like Personal Injury Protection (PIP) requirements, uninsured driver rates, repair costs, and more. Liberty Mutual offers customizable coverage options and a variety of discounts which may help lower your rate.