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Insurance in Michigan
Minimum auto liability required
| Bodily injury, per person | $50,000 |
| Bodily injury, per accident | $100,000 |
| Property damage | $10,000 |
| Fault system | No-fault |
Written as 50/100/10.
Worth knowing
- Michigan reformed its no-fault system in 2020. Drivers now choose a PIP medical level rather than receiving unlimited benefits automatically. Options range from a capped amount to unlimited, with eligibility rules attached to some choices. Verify the current tiers before relying on this page.
- The $10,000 property damage figure applies to in-state accidents under Michigan's mini-tort rules and works differently from other states.
- Figures last reviewed September 2026. Confirm anything you rely on with the state insurance department.
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State regulator
Michigan Department of Insurance and Financial Services
Contact them to verify a licence or file a complaint.