Michigan car insurance

Detroit International Riverfront at sunset

Michigan Customers: Please note that effective July 1, 2023, the definition of 'Qualified Health Coverage' as it relates to Personal Injury Protection Medical Coverage has been updated per MI DIFS Bulletin 2023-12-INS. For policies issued or renewed effective July 1, 2023 and later, the new required deductible for 'Qualified Health Coverage' is $6,579 or less per individual (formerly $6,000 or less per individual).

Common questions about Michigan
auto insurance

Need car insurance in Michigan? Whether you live in Detroit, or the UP, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Michigan auto insurance, so you only pay for what you need.

What car insurance is required in Michigan?

In Michigan, it's illegal to drive without insurance. Drivers in Michigan are required to have car insurance coverage for

Bodily Injury to others
Property Damage Liability
Uninsured Motorist Coverage Bodily Injury

Here are the minimum auto insurance limits drivers must have in Michigan.²

Coverage	Amount
Bodily Injury Coverage	$50,000 per person and $100,000 per accident
Property Damage Coverage	$10,000 per accident
Property Protection	$1 million
Personal Injury Protection	Minimum limit depends on qualified health coverage maintained by customer

For more information, check out the Michigan's Department of Insurance and Financial Services.

What's the average cost of car insurance in Michigan?

The average cost of car insurance in Michigan was $2,639³ in 2021 according to thezebra.com. That's 73% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Michigan auto insurance with a customized policy, so you only pay for what you need.

See how much you could save on car insurance

U.S. Map with Michigan state highlighted

What Michigan car insurance coverage is right for you?

All Michigan drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits for more protection. We'll help you customize your Michigan car insurance to get the coverage that fits you.

See all of our auto coverage options.

What's the best car insurance in Michigan?

Liberty Mutual knows that everyone has different needs for their Michigan auto insurance. Some may want the cheapest Michigan car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Michigan car insurance, so you only pay for what you need.

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Who has the cheapest car insurance in Michigan?

Getting the cheapest car insurance in Michigan may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴