Michigan

Auto Insurance Minimum Requirements

50/100/10

Liability Limits

Yes

No-Fault

$250,000

PIP Minimum

Optional

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$50,000

Bodily Injury (per accident)$100,000

Property Damage$10,000

Uninsured Motorist RequiredNo

Underinsured Motorist RequiredNo

PIP RequiredYes — $250,000 minimum

No-Fault StateYes

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date2020-07-02

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.

Official Source

Michigan Department of Insurance and Financial Services

View Official Site →

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.