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Additional auto insurance coverage options in Michigan Although Michigan drivers are only required to carry liability, PIP, and PPI coverage types, many drivers choose to purchase optional coverage. Buying optional coverages will increase your car insurance premium, but you will get more protection.
Liability coverage requirements in Michigan Your liability coverage never pays for your injuries or damages to your property. With Michigan being a no-fault state, the liability coverage required on your policy mainly serves to provide coverage if you are involved in an at-fault accident out of state. Michigan Car Insurance Laws (Updated 2024) | The Zebra thezebra.com auto-insurance state-laws-mi thezebra.com auto-insurance state-laws-mi
DIFS regulates banks, credit unions, insurance companies, insurance agents, insurance agencies, mortgage licensees, and consumer finance-related entities. Department of Insurance and Financial Services State of Michigan (.gov) difs State of Michigan (.gov) difs
How Much Does Insurance Cost in Michigan? Average Monthly CostAverage Yearly Cost Michigan Minimum Coverage Average $113 $1,360 National Minimum Coverage Average $52 $627 Michigan Full Coverage Average $304 $3,643 National Full Coverage Average $167 $2,008 Mar 16, 2024
In Michigan, driving without insurance is a misdemeanor, punishable by a fine of up to $500, up to one year in jail or both. Drivers may also have their license suspended for 30 days or until they can provide proof of insurance. Drivers will also pay a license reinstatement fee of $125.
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Our recommended car insurance coverage for the Michigan No-Fault law includes choosing: (1) the unlimited No-Fault PIP medical benefits option; (2) the bodily liability insurance option with $500,000 and $1 million limits; and (3) uninsured and underinsured motorist coverage with $500,000 limits. Recommended Car Insurance Coverage For Michigan Drivers michiganautolaw.com blog 2023/07/11 michiganautolaw.com blog 2023/07/11
If your car is financed, the company that loans you the money may require that you buy collision and comprehensive coverage. Purchasing Auto Insurance FAQ - State of Michigan michigan.gov difs news-and-outdocHub i michigan.gov difs news-and-outdocHub i
You may have anywhere from 2 to 30 days to tell your insurance company that you bought a new car if you are already insured, depending on financing and coverage details. If you dont have car insurance already, youll need to get a new policy before you can legally drive your new car.

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