Home › Insurance › Car insurance minimums › Michigan
In Michigan, the minimum car insurance is 250/500/10: $250,000 per person and $500,000 per crash for injuries you cause, plus $10,000 for property damage. Required coverage: BI & PD Liability, PIP. That's the legal floor; many drivers buy more because a serious crash can cost far more than the minimum pays.
Michigan's default is 250/500/10; drivers can choose 50/100/10 by signing a form (MCL 500.3009; michigan.gov/autoinsurance).
BI = bodily injury liability, PD = property damage liability, PIP = personal injury protection, UM/UIM = uninsured/underinsured motorist, MED = medical payments. Source: Michigan.gov. Confirmed against the official source 2026-10-12. Confirm with Michigan's DMV or insurance department.
We don't sell insurance or provide quotes. Facts from regulators and public data only, no paid placement.
250/500/10 (BI & PD Liability, PIP): $250,000 per person and $500,000 per crash for injuries you cause, plus $10,000 for property damage.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.