Michigan (MI) Car Insurance Requirements (2026)
The minimum you need
- Bodily injury per person
- $50,000
- Bodily injury per accident
- $100,000
- Property damage
- $10,000
No-fault state Your own policy pays your medical bills first, no matter who caused the crash.
What else is required
PIP (personal injury protection): Required
Since the 2019 reform you pick a PIP level, and choosing a lower one takes a signed form. Pick too low and a serious injury can leave you with huge medical bills nothing covers.
Uninsured motorist: Not required
Optional.
Rating factors
- Insurers can't use your gender to set your price.
- Insurers can't use your credit history to set your price.
More on how credit shapes prices elsewhere: auto insurance scores explained.
Teen and new driver notes
The PIP level choice matters more here than almost anywhere. Try it out in our Coverage Roulette game before you make the real decision.
- Good student discounts are usually around 16%.
- Defensive driving discounts generally aren't offered here.
New to all this? Start with the new driver guide.
Penalties for driving uninsured
Driving without insurance can mean fines and a suspended license and registration.
Penalty schedules change and vary by county. Confirm current fines with the Michigan Department of Insurance and Financial Services before relying on this for a specific situation.