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Michigan Car Insurance
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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).
Common questions about Michigan auto insurance
Need car insurance in Michigan? Whether you live in Detroit or the UP, Liberty Mutual can help protect you. From liability protection to comprehensive coverage, we customize your Michigan auto insurance, so you only pay for what you need.
What car insurance is required in Michigan?
In Michigan, it's illegal to drive without insurance. Drivers in Michigan are required to have the following car insurance coverage: bodily injury, property damage, uninsured motorist bodily injury, property protection, and personal injury protection.
This chart shows the minimum auto insurance drivers are required to have in Michigan.1
Coverage | Amount |
|---|---|
| Bodily Injury Coverage | $50,000 per person and $100,000 per accident |
| Property Damage Coverage | $25,000 per accident |
| Uninsured Motorist Bodily Injury Coverage | $50,000 per person and $100,000 per accident. |
| Property Protection | $1 million |
| Personal Injury Protection | Minimum Limit depends on Qualified Health Coverage maintained by customer. |
For more information, check out the Michigan's Department of Insurance and Financial Services.
What is the average cost of car insurance in Michigan?
The average cost of car insurance in Michigan is $2,6392 in 2021 according to thezebra.com. That's 73% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.
Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your Michigan auto insurance, so you only pay for what you need.
What Michigan car insurance coverage is right for you?
The chart above shows the minimum Michigan auto insurance you need. But depending on your budget and needs, you might want to consider increased coverage for more protection. We'll help you customize your Michigan car insurance to get the coverage that fits you. See all of our auto coverage options.
What is the best car insurance in Michigan?
Liberty Mutual understands that everyone has individual needs when it comes to their Michigan auto insurance. Some might want the cheapest Michigan car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us help you customize your Michigan car insurance, so you only pay for what you need.
Who has the cheapest car insurance in Michigan?
Getting the cheapest car insurance in Michigan may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.
A Liberty Mutual auto insurance policy can cost less than you think3
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate