Michigan Car Insurance

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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 can help protect you. From liability protection to comprehensive coverage, we 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 the following car insurance coverage: bodily injury, property damage, uninsured motorist bodily injury, property protection, and personal injury protection.

This chart shows the minimum auto insurance drivers are required to have in Michigan.1



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 ProtectionMinimum limit depends on qualified health coverage maintained by customer

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

What is the average cost of car insurance in Michigan?

The average cost of car insurance in Michigan is $2,6392 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 bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your Michigan auto insurance, so you only pay for what you need.

U.S. Map with Michigan state highlighted

What Michigan car insurance coverage is right for you?

The chart above shows the minimum Michigan auto insurance you need. But depending on your budget and needs, you might want to consider increased coverage 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 is the best car insurance in Michigan?

Liberty Mutual understands that everyone has individual needs when it comes to their Michigan auto insurance. Some might want the cheapest Michigan car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us 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 think3

  • $817 lower than GEICO
  • $731 lower than Progressive
  • $839 lower than State Farm
  • $758 lower than Allstate

Discounts that help you save


Online Purchase Discount

Buy your policy online and save. It's that simple.4

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Convenience and savings — need we say more? Combine your policies and get a discount.5


Get rewarded for your good driving behavior by saving up to 30% on your policy.6

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1Minimum coverage amounts are subject to change.
3Average savings validated by new customers who switched to Liberty Mutual between 10/2021 and 09/2022 and participated in a countrywide survey. Carrier-specific figures reflect average savings for customers who switched to Liberty Mutual from the listed carriers. Savings may vary. Comparison does not apply in MA.
4Discount applies to 12% on average off auto coverages: Bodily Injury Liability, Physical Damage, Uninsured Motorist, Underinsured Motorist, Medical Payments, Personal Injury Protection, Collision and Comprehensive coverages, as applicable by state.
5Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
6The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116. © 2024 Liberty Mutual Insurance