Auto Insurance Minimum Requirements
Michigan requires all drivers to carry minimum liability coverage of $50,000 per person and $100,000 per accident for bodily injury, plus $10,000 for property damage — commonly written as 50/100/10. Michigan is a no-fault state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is required at a minimum of $250,000.
Important Notes
Michigan features a highly complex auto insurance system. The default statutory limits are 250/500/10, but drivers can formally choose lower minimum limits of 50/100/10 by signing an acknowledgement form. Property Protection Insurance (PPI) up to $1 million for property damage within Michigan is required. PIP has several choice options, with a minimum of $250,000 required for standard drivers (Medicaid/Medicare opt-outs allow lower options).
Uninsured / Underinsured Motorist
Not legally mandated; available as an optional policy endorsement.
SR-22 Filings
Required for up to 3 years following severe license revocations or dynamic safety incidents.
Alternatives to Insurance
Regulatory compliance through approved self-insurance pools for eligible corporate entities.
Fine
Up to $500
License / Registration
Suspension: Yes (30 days)
SR-22 Required After
Yes
What is the minimum car insurance required in Michigan?
Michigan requires minimum liability coverage of $50,000 per person and $100,000 per accident for bodily injury, plus $10,000 for property damage. This is written as 50/100/10 coverage.
Is Michigan a no-fault state?
Yes, Michigan is a no-fault state. Drivers file injury claims with their own insurance regardless of who caused the accident. PIP coverage pays for medical expenses up to policy limits.
Is uninsured motorist coverage required in Michigan?
Uninsured motorist coverage is not required in Michigan, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Michigan?
Driving without insurance in Michigan can result in fines of Up to $500 and license/registration suspension (Yes (30 days)). An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Michigan?
SR-22 filings are used in Michigan for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for up to 3 years following severe license revocations or dynamic safety incidents.
What does 50/100/10 mean in Michigan?
These numbers represent your liability limits: $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $10,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Michigan Department of Insurance and Financial Services
More Michigan Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Michigan Department of Insurance and Financial Services publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.