Michigan Auto Insurance
Auto Insurance in Michigan
Looking for auto insurance in Michigan? Explore the best options for affordable car insurance in Michigan from GEICO. You could save on your car insurance with discounts by becoming a safe driver, multi-policy holder, and much more. No matter where you travel, be sure the right auto insurance covers your vehicles for the state of Michigan. Get a Michigan car insurance quote with GEICO.
Michigan Car Insurance Coverage
The state minimum requirements for car insurance in Michigan are:
| Coverage | State Requirements |
| Bodily injury liability coverage | $250,000 per person/$500,000 per accident (If a Michigan option form is completed it can drop to as low as $50,000 per person/$100,000 per accident.) |
| Property damage liability coverage | $10,000 |
| Uninsured motorist bodily injury coverage* | $50,000 per person and $100,000 per accident |
| Property protection | $1 million |
| Personal injury protection* | See chart below with PIP coverage options |
| Comprehensive | Optional, may be required by your lender |
| Collision | Optional, may be required by your lender |
*These coverages can be rejected in writing.
Learn more about auto insurance requirements in Michigan.
Personal Injury Protection Limits
| Options | Limits |
| Option 1 | Unlimited |
| Option 2 | 500K |
| Option 3 | 250K |
| Option 4 | 250K with exclusions - insured must have qualified health insurance |
| Option 5 | 50K - insured must be enrolled in Medicaid |
| Option 6 | No PIP Med - insured must have Medicare A & B |
Michigan auto insurance reform gives customers more options when it comes to choosing PIP coverage. See Michigan's New Auto Insurance Law FAQs for the most up-to-date information.
Michigan Auto Insurance Requirements
In Michigan, drivers are required to maintain both property protection insurance (PPI) and personal injury protection (PIP) as part of their auto insurance coverage.
PPI covers damages to someone else's property caused by an accident involving your vehicle, with a mandated minimum limit of $1 million per accident.
PIP covers expenses resulting from an accident, including medical bills, lost wages, and death benefits, regardless of fault.
Michigan recently revised its no-fault law. This update aims to give drivers more control over their insurance plans while maintaining essential protections for individuals involved in auto accidents throughout the state.
In addition to PPI and PIP, Michigan drivers must also carry bodily injury liability insurance to cover injuries or death that you, as the policyholder, cause to others in a car accident as well as any related legal fees.
Michigan law also requires drivers to purchase uninsured and underinsured motorist coverage (UI/UIM) to protect you and your passengers in the event of an accident caused by an uninsured or underinsured driver. This coverage helps bridge the gap between the other driver's insurance limits and the actual costs of medical bills, lost wages, and other damages resulting from the accident.
Comprehensive and Collision Coverage
Comprehensive and collision coverage are two key components of auto insurance that provide protection for different types of damage to your vehicle. Collision coverage pays for repairs to, or replacement of, your car if it's damaged in a collision with another vehicle or object, regardless of who is at fault. It typically comes with a deductible you must pay out of pocket before your insurance will cover the remaining expenses.
On the other hand, comprehensive coverage offers protection for damage caused to your vehicle by an accident other than a collision. This can include damage from events such as theft, vandalism, natural disasters, and falling objects. While comprehensive coverage is not required by law, it provides valuable financial protection.
Michigan’s Mini-tort Law
Michigan's mini-tort law allows drivers to seek compensation for vehicle damage up to a certain limit after an accident. Under this law, drivers not at fault in an accident can file a mini-tort claim against the at-fault driver to recover damages for vehicle repairs or replacement, up to a maximum of $3,000.
This provision is particularly beneficial for drivers with collision coverage with a deductible higher than the mini-tort limit, as it provides an avenue to recover some out-of-pocket expenses associated with vehicle damage. However, it’s important to note that this law does not cover damages beyond vehicle repairs or replacement costs, such as medical expenses.
Michigan Car Insurance Discounts
Michigan drivers should have auto insurance that delivers exceptional service along with great value. GEICO offers a variety of Michigan car insurance discounts. Discounts on auto insurance available in the state of Michigan include:
Good Student Discount: Students who maintain a B average or better can save on car insurance. This discount allows students to save while focusing on their studies to achieve their goals on and off the road.
Multi-Car Discount: Drive down premiums together by insuring multiple cars with GEICO.
Five-Year Accident-Free “Good Driver” Discount: Our good driver discount rewards safe driving habits and responsible behavior on the road. If you’ve been accident-free for at least 5 years, you may be eligible to save on auto insurance premiums.
DriveEasy Discount: With GEICO's Drive Easy discount, you can save by downloading and enrolling in the DriveEasy app. This innovative app uses telematics technology to monitor driving patterns, providing personalized feedback and savings.
Multi-Policy Discounts: Our multi-policy discount can reward you for bundling your auto insurance with other policies from GEICO or the GEICO Insurance Agency.
Learn more about all of the car insurance discounts that are available to GEICO policyholders in Michigan.
Michigan Driving Resources
Michigan Registration Information
New Michigan residents must immediately title and register their vehicles at a Secretary of State branch office. They must turn in the title from their previous home state to the Michigan Secretary of State branch office.
If your out-of-state title is being held by a lienholder or leasing company, you may take your previous state registration (it can be recently expired) or proof of your out-of-state title to any Secretary of State branch office along with proof of Michigan no-fault insurance for the vehicle. Michigan will issue a registration only for the vehicle. This will allow Michigan to issue a license plate without converting the out-of-state title to a Michigan title.
Prepare your vehicle for winter driving in Michigan.
Consider the weather in Michigan when choosing your auto insurance type. Due to its location, surrounded by the Great Lakes, Michigan winters bring a lot of snow. Tire chains and studded tires are legal in Michigan but carry certain restrictions that may be hard for the average driver to meet. Your best bet is to equip your car with a good set of winter tires. And ensure you have comprehensive auto insurance coverage in the event of an accident. Read our extreme weather driving guide for more.
Planning to travel to Canada?
Driving between Michigan and Canada is allowed through four border crossings. If you plan to cross the border, you'll need a U.S. Passport, U.S. Passport Card, or an Enhanced Driver's Licence (EDL). EDLs cost $45 and can be obtained directly from the Michigan Secretary of State's office. An EDL will allow you to cross the border without needing a passport. Be sure you also have your insurance ID card with you. Your GEICO insurance ID cards will be sufficient proof of insurance in Canada.
Teen Drivers in Michigan
Michigan teens looking to get their driver's licenses should review the Drivers Under 18 FAQ. Teen drivers who have completed the first segment of driver's education can get a Level 1 Learner's License at age 14 years, 9 months. After driving for six months with at least 50 supervised hours (10 of which at night), teens can get a Level 2 Intermediate License if they are 16 years old. When on a Michigan Level 2 license, the driver cannot drive between 10:00 PM and 5 AM and with no more than one passenger younger than 21 (except family members). All restrictions are lifted at age 17 when the Level 2 Intermediate License turns into a Level 3 Full License for qualified drivers.
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