Minimum Car Insurance Required in Michigan
The minimum car insurance required in Michigan, penalties for driving uninsured, and whether the state minimum is enough coverage.
- Cited from NAIC & the Michigan DOI
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Updated August 2026
The Michigan state minimum is 50/100/10 ($50k bodily injury per person, $100k per accident, $10k property damage).
These limits exist to cover damage you cause to other people — they do not repair your own car or cover your own injuries. Michigan is a no-fault state, so your own PIP pays your medical bills regardless of fault.
Driving without at least the required coverage in Michigan can mean fines, license/registration suspension, reinstatement fees and SR-22 filing — and if you cause a crash while uninsured you are personally liable for the damage.
Because the minimum is only a floor, many Michigan drivers step up to 100/300/100 and add collision/comprehensive if their car has value. The average Michigan driver pays about $1,443/yr (NAIC, 2023). Verify the current limits directly with the Michigan Department of Insurance before relying on them — laws change. Michigan Dept. of Insurance →
Michigan minimum car insurance FAQ
What is the minimum car insurance required in Michigan?
Michigan requires at least 50/100/10: $50k bodily injury per person, $100k per accident and $10k property damage. Minimums are the legal floor, not necessarily enough coverage.
What happens if I drive without insurance in Michigan?
Penalties can include fines, suspension of your license and registration, reinstatement fees and an SR-22 requirement — plus personal liability for any crash you cause.
Is the state minimum enough coverage in Michigan?
It is the legal minimum, not a recommendation. A single serious accident can exceed these limits, leaving you to pay the difference, so many drivers carry higher liability and add collision/comprehensive.