Car Insurance in Michigan
Auto insurance in Michigan
Auto insurance in Michigan has increased in cost despite the state government’s attempts to reduce it. Prior to 2020, drivers had to have unlimited personal injury protection (PIP) medical benefits. Today, Michiganders can select the level of PIP coverage they need, which the state government says will lower premiums. Despite this, drivers still saw a 33.2% increase in rates from January 2019 to September 2024, according to S&P Global’s data.
Michigan requires drivers to carry these minimum levels of coverage:
- $50,000 in bodily injury liability per person.
- $100,000 in bodily injury liability per accident.
- $10,000 in property damage liability for damage caused in another state.
Michigan drivers must also carry personal injury protection, or PIP, and property protection insurance, or PPI, which pays up to $1 million for property damage caused in Michigan during an at-fault accident.
When shopping for car insurance quotes, consider the balance between affordability and the level of protection you require. If you’re on a tight budget, cheap car insurance might seem appealing, but think carefully about your coverage needs. Comparing quotes across multiple providers is the best way to determine the average cost of car insurance for your driving habits and personal profile. A little research now can save you both money and stress later.
Michigan no-fault insurance
Michigan is a no-fault state, which means drivers in the state must file injury claims with their own insurance company, regardless of who was found at fault. Michigan’s no-fault laws are designed to protect drivers from being sued after an accident, with some exceptions.
The state requires every driver to carry a certain amount of personal injury protection (PIP) — sometimes referred to as “no-fault insurance” — which covers medical expenses that are a result of a crash, lost wages due to injuries and in-home services for up to three years.
In Michigan, you must choose a specific amount of PIP coverage: $250,000 per person per accident, $500,000 per person per accident, or unlimited coverage. If you and family members living with you have qualifying health coverage, you can choose lower amounts. Michigan drivers must also purchase property protection insurance (PPI) which covers damage to other people’s property.
Recent car insurance quotes in Michigan
|
Date of Policy
|
City
|
Insurance Company
|
Monthly Quote
|
|---|---|---|---|
| July 11, 2025 | Midland | Progressive | $94 |
| July 11, 2025 | Highland Park | Progressive | $390 |
| July 11, 2025 | Otsego | Bristol West | $353 |
| July 11, 2025 | Oak Park | Progressive | $382 |
| July 11, 2025 | Leonard | Progressive | $624 |
| July 11, 2025 | Jackson | Progressive | $196 |
| July 11, 2025 | Canton Township | Progressive | $120 |
| July 11, 2025 | Lenox | Bristol West | $452 |
| July 11, 2025 | Detroit | Bristol West | $646 |
| July 11, 2025 | Lansing | Bristol West | $186 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
