Michigan Auto Insurance Basics
Michigan’s no-fault system is unique. Every driver is required to carry personal injury protection (PIP), property protection, and residual liability coverage. The specifics matter—choosing the wrong PIP level can leave you exposed or overpaying.
Required Michigan Coverage
- Personal Injury Protection (PIP) — covers medical expenses after an accident, with options to coordinate with your health plan
- Property Protection — pays for damage your vehicle causes to other people’s property (not other vehicles)
- Residual Liability — covers bodily injury and property damage when you’re at fault in another state or in specific Michigan scenarios
Optional Coverage Worth Considering
Collision pays to repair or replace your car after an accident, regardless of fault. Comprehensive handles non-collision damage like theft, vandalism, falling objects, and animal strikes.
Uninsured/underinsured motorist coverage protects you when the other driver doesn’t have enough insurance—or any at all. It’s inexpensive and worth adding.
How We Save You Money
Rates vary dramatically between carriers for the same driver. We compare quotes across our full panel of companies and look for every available discount: multi-policy, safe driver, good student, anti-theft, and more.
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Tell us about your vehicles and driving history, and we’ll show you options from multiple carriers side by side. No obligation.