Auto insurance requirements in Michigan
Here's the minimum coverage Michigan requires to drive legally — and what those numbers actually mean.
| Coverage | Minimum required |
|---|---|
| Bodily injury (per person) | $50,000 |
| Bodily injury (per accident) | $100,000 |
| Property damage | $10,000 |
| Personal injury protection | Required |
The $10,000 property damage minimum applies only to out-of-state accidents; in Michigan, PIP and up to $1 million in property protection insurance apply instead.
Verified July 2026.
Requirements change. Confirm with your state's insurance department before making decisions.
What these numbers mean
Liability minimums are usually written as three numbers, like 25/50/25. The first is the most your insurer pays for one person's injuries, the second is the total it pays for everyone's injuries in a single accident, and the third covers damage you cause to other people's property.
In Michigan, the 50/100/10 minimum means your policy covers up to $50,000 for one person's injuries, $100,000 for all injuries in one accident, and $10,000 for property damage.
Is the minimum enough?
The minimum keeps you legal, and for some drivers — an older car, few assets to protect, a tight budget — it can be a reasonable starting point.
That said, a serious accident can cost more than these limits, and anything above them comes out of your own pocket. Higher liability limits often cost less than people expect, so it's worth comparing a minimum policy against one with more room.
Michigan uses a no-fault system: after an accident, your own personal injury protection (PIP) pays your medical bills first, no matter who caused it. Lawsuits over injuries are limited to more serious cases, which is why PIP is part of the required coverage here.