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Michigan Car Insurance

The average Michigan driver pays $2,350/year for full coverage and $1,050/year for state minimum. Compare quotes from top carriers and find the right fit in five minutes.

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At a glance

Avg. full coverage
$2,350 / year
Avg. minimum coverage
$1,050 / year
State minimum
50/100/10
No-fault state?
Yes
PIP required?
Yes
UM/UIM required?
No

Michigan Minimum Coverage Requirements

The minimum auto insurance coverage required to legally drive in Michigan is:

50/100/10

$50K bodily injury per person, $100K per accident, $10K property damage (no-fault PIP)

These minimums are not the same as what most drivers should carry. State minimums protect you from a small fender bender — they fall far short of what you'd need after a serious accident with injuries. Most financial advisors recommend at least 100/300/100 in liability limits for households with meaningful assets.

Top Car Insurance Carriers in Michigan

By market share, these carriers write the most policies in Michigan:

  1. 1State Farm
  2. 2Auto-Owners
  3. 3AAA
  4. 4Progressive
  5. 5Hagerty

Market share doesn't mean cheapest — the carrier with the most customers in your state may not be the one that quotes you the best rate.

What's different about Michigan

No-fault state with mandatory PIP. Reformed in 2019 — PIP coverage now has tiers. Credit cannot be used.

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Premium estimates are based on publicly reported industry averages and are intended as a rough guide. Your actual quote depends on driver record, vehicle, coverage choices, and ZIP code. Quorrio is an independent comparison marketplace, not an insurance company, agent, or broker.