Is Michigan a no-fault state?

Yes. Michigan has been a no-fault state since 1973, according to the Insurance Information Institute . As a no-fault state, Michigan requires drivers to carry PIP coverage so that their own insurance covers some or all of their medical expenses after a car accident, regardless of who's at fault.

How much is car insurance in Michigan?

The average cost of liability-only auto insurance in Michigan was $160.15 per month in 2025, based on Progressive single driver/single car policies. *

Is Michigan a no-fault state?

Yes, Michigan has been a no-fault state since 1973, according to the Insurance Information Institute. As a no-fault state, Michigan requires drivers to carry PIP coverage, which pays your own medical expenses after an accident, regardless of who's at fault. It also limits when you can sue to only accidents that involve serious injuries or death.

How do I lower my car insurance in Michigan?

Keeping a clean driving record can help lower your premium. You may also qualify for discounts for paying your policy in full, getting your quote online, or insuring a good student. Choosing a lower PIP medical level can also reduce your premium, but that also lowers how much medical coverage you'd have after an accident.

What is the Michigan Catastrophic Claims Association (MCCA)?

The MCCA is a nonprofit association that reimburses insurers for medical claims above a set amount, according to the Michigan Department of Insurance and Financial Services. It's funded by a per-vehicle fee, which drivers who choose unlimited PIP medical coverage pay as part of their premium.

Which PIP coverage level should I choose?

Michigan lets you choose from several PIP medical levels, from a capped amount up to unlimited lifetime coverage. Higher levels cost more but may pay for more medical care after a serious accident. Lower levels reduce your premium and may be a suitable option if you have other qualifying health coverage. Weighing the levels against your health insurance, budget, and how much risk you're comfortable with can help you decide what's right for you.

What is Qualified Health Coverage?

Qualified Health Coverage is health insurance that meets Michigan's standards for letting you reduce or opt out of PIP medical coverage. To qualify, your health plan generally can't exclude injuries from car accidents and must meet a deductible limit, or you may qualify through Medicare. If you have QHC, you can choose a lower PIP medical level and may pay less for car insurance.

Michigan car insurance

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Getting car insurance in Michigan

Learn about Michigan's car insurance requirements, your coverage options, and the factors that affect your rate. Progressive pairs flexible coverage and transparent pricing to help Michigan drivers find the protection they need from icy winters and busy metro roads. Our easy-to-use tools also help drivers compare coverage, budget, and find ways to save, such as our Name Your Price® tool.

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Required coverages
Discounts
Average cost
Cost factors
Optional coverages
Driving resources
FAQs

What are the minimum auto insurance requirements in Michigan?

Michigan requires auto policies to include liability coverage, personal injury protection, and property protection insurance. Liability limits and PIP medical coverage can vary based on the options you select.

Coverage	What it covers	Required amount or coverage options
Bodily injury liability	Injuries you cause to others in an accident	Default limits of $250,000 per person and $500,000 per accident. You may select limits as low as $50,000 per person and $100,000 per accident with a signed selection form.
Property damage liability	Damage you cause to someone else's property outside Michigan	$10,000 per accident
Personal injury protection	Your medical costs after an accident, plus lost wages and death benefits, regardless of fault	Six PIP medical options, ranging from no PIP medical coverage for eligible drivers to unlimited coverage
Property protection insurance	Damage you cause to someone else's property within Michigan	$1,000,000 per accident

Michigan offers six PIP medical coverage options. Some options are available to all drivers, while others depend on your health coverage and eligibility. If you don't make an effective PIP medical selection, unlimited coverage applies by default.

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Car insurance discounts in Michigan

Progressive offers several discounts to help drivers save on car insurance. Popular discounts available in Michigan include:

Multi-car
Save when you insure more than one vehicle with Progressive. Keeping your household's cars on a single policy earns a discount on each one you add.
Multi-policy
Save when you have two or more policies with Progressive. For instance, if you carry auto and boat insurance with us, you'll enjoy a discount on your auto policy.
5-year accident-free
Save when you go five years without an accident. Staying accident-free shows insurers you're a lower-risk driver, which can help bring down your premium.

What is the average cost of car insurance in Michigan?

The average cost of car insurance in Michigan is $160.15 per month,^† according to Progressive's internal data. That rate is based on a 2025 liability-only policy for a single vehicle and driver. Your own rate can vary with your driving history, the PIP level you choose, and other factors.

Factors that impact your auto insurance rate in Michigan

Many factors impact how much you pay for auto insurance in Michigan, including:

Driving history: Tickets, accidents, and past claims can affect your rate.
Vehicle type: Your car's make, model, age, safety technology, and repair costs are factored into your rate. Higher vehicle values can lead to higher claim costs.
Location: Traffic density, accident frequency, theft rates, and local weather vary across the state. Metro areas like Detroit can see higher claim frequency, and Michigan's harsh winters add to claim costs in many areas.
Medical and PIP costs: Michigan's no-fault coverage includes PIP medical, which pays for your care after an accident. Choosing a higher level of PIP costs more, while a lower level of coverage may reduce your rate.
Coverage choices and deductibles: More coverage or higher limits raise your premium. A higher deductible lowers it.

Recommended additional auto insurance coverages in Michigan

Michigan requires bodily injury and property damage liability coverage, but these coverages may not cover all costs after an accident. Adding optional coverages can deliver extra protection, help fill gaps in your policy, and give you peace of mind:

Coverage	What it covers
Comprehensive	Cost to repair or replace your car if it's damaged by hail, fire, theft, wind, flood, vandalism, and other covered events
Collision	Cost to repair your vehicle if it overturns or collides with another vehicle or object

While these are Michigan's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Michigan driving resources

Get to know Michigan's driving laws and insurance resources. Keep in mind that local governments may have additional rules or requirements.

Michigan Department of State: Where Michigan drivers handle licensing, ID cards, vehicle registration, and renewals.
Michigan Department of Transportation, Traffic and Safety: Michigan's traffic and pedestrian safety programs and road rules.
Michigan no-fault insurance hub: The state's official guide to no-fault coverage, including answers on PIP levels, the Michigan Catastrophic Claims Association, and your coverage choices.
Michigan Department of Insurance and Financial Services (DIFS): Regulates the state's insurers and handles consumer questions and complaints.

How to get car insurance in Michigan with Progressive

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Michigan car insurance FAQs

Michigan lets you choose from several PIP medical levels, from a capped amount up to unlimited lifetime coverage. Higher levels cost more but may pay for more medical care after a serious accident. Lower levels reduce your premium and may be a suitable option if you have other qualifying health coverage. Weighing the levels against your health insurance, budget, and how much risk you're comfortable with can help you decide what's right for you.
Qualified Health Coverage is health insurance that meets Michigan's standards for letting you reduce or opt out of PIP medical coverage. To qualify, your health plan generally can't exclude injuries from car accidents and must meet a deductible limit, or you may qualify through Medicare. If you have QHC, you can choose a lower PIP medical level and may pay less for car insurance.