Michigan Auto Insurance — Done Right
Michigan auto insurance is different. No-Fault rules, PIP choices, and one of the highest-premium markets in the country mean you need an agent who actually understands the state. We do.
What we cover
Our auto insurance markets include Progressive, Citizens, Frankenmuth, Liberty Mutual, AAA of Michigan, The Hartford, Hastings Mutual, Hanover, Hiscox, and more. We write coverage for:
- Standard auto (sedans, SUVs, trucks)
- High-performance and luxury vehicles
- Teen drivers and SR-22 filings
- Collector cars and classics (Hagerty and others)
- Motorcycles, ATVs, and powersports
- RVs and motorhomes
- Boats, jet skis, and watercraft
Michigan No-Fault explained
Since the 2020 No-Fault reform, Michigan drivers can choose their PIP (Personal Injury Protection) medical limit. The options:
| PIP medical limit | Who can choose it | What it means |
|---|---|---|
| Unlimited | Any driver | The historical Michigan default — covers all reasonable medical costs from a covered auto accident, for life. The most protection. |
| $500,000 | Any driver | High coverage that fits most situations while reducing the PIP portion of your premium. |
| $250,000 | Any driver | A middle-ground limit for drivers comfortable with their other health coverage. |
| $50,000 | Drivers enrolled in Medicaid | Lowest available limit; only permitted if you (and household members) meet the Medicaid requirement. |
| Opt-out | Drivers with qualified health coverage (typically Medicare) | No PIP medical through your auto policy; your qualified health insurance covers auto-injury medical costs instead. |
The right choice depends on your health insurance, your assets, and your risk tolerance. We’ll walk you through it — and the difference between picking the wrong tier and the right one can be hundreds of dollars in premium and millions of dollars in protection.
Common questions
What are the minimum auto insurance requirements in Michigan?
Michigan requires Bodily Injury Liability of $50,000 per person and $100,000 per accident, Property Damage Liability of $10,000, and Personal Injury Protection (PIP). Since the 2020 No-Fault reform, drivers can also choose their PIP medical limit (from $50,000 up to unlimited) instead of being required to carry unlimited medical coverage.
How does Michigan No-Fault insurance work?
Under Michigan No-Fault, if you're injured in an auto accident, your own auto insurance pays your medical bills and lost wages — regardless of who caused the crash. The 2020 reform let drivers choose PIP medical limits ($50K, $250K, $500K, or unlimited) based on what their health insurance covers. We walk every Michigan driver through that decision.
What auto insurance discounts can I get?
Common discounts include multi-policy (bundling home/auto), multi-vehicle, good driver, good student (3.0 GPA or above), paid-in-full, paperless, anti-theft devices, mature driver, and continuous coverage. Some carriers also offer discounts for alumni associations, professional memberships (AARP, MEA, CPA, SAE), and home ownership.
How much auto insurance do I really need?
Michigan minimums are not enough for most drivers. We typically recommend $250,000/$500,000 bodily injury limits at a minimum, paired with property damage limits high enough to cover replacement of a luxury vehicle. If you own a home or have meaningful savings, an umbrella policy on top is usually well worth it.
Will my auto insurance go up after an accident?
Most likely, yes — especially for an at-fault accident or claim that exceeds a few thousand dollars. Surcharges typically stay on your policy for 3-5 years depending on the carrier and the incident. That said, the size of the increase varies wildly between carriers, which is exactly why having an independent agent helps after a claim.
Do I need rental car coverage?
Rental reimbursement is typically $5-$10/month and covers a rental car while your vehicle is in the shop after a covered claim. For most families, it's worth it. If you have access to a second vehicle that can fill in, you can skip it.
Get an auto insurance quote
Tell us about your vehicles and we'll shop your coverage across our Michigan auto carriers.
Start My Auto Quote