Michigan Minimum Auto Insurance Requirements
By Tanu Menon
Michigan's required no-fault coverages explained — residual liability, property protection, PIP choices, and why limits matter.
What Michigan requires
Michigan is a no-fault state. To drive legally, you generally need a Michigan no-fault auto policy that includes several required coverages — not just basic liability.
Residual liability (bodily injury / property damage)
Michigan residual liability minimums are commonly shown as 50/100/10:
- $50,000 bodily injury liability per person
- $100,000 bodily injury liability per accident
- $10,000 property damage liability (often for accidents outside Michigan)
Property protection insurance (PPI)
Inside Michigan, policies typically include Property Protection Insurance with a high limit (often up to $1 million) for certain property damage claims under the no-fault system.
Personal Injury Protection (PIP)
PIP pays medical and related expenses after a crash, generally regardless of fault. Michigan offers PIP choice levels (including higher limits and, for eligible drivers, lower or opt-out options tied to other health coverage). Choosing the wrong level can leave expensive gaps.
Why “minimum” still needs a review
Michigan rules are more complex than many states. The cheapest legal combination is not always the safest fit for your household, health insurance, or assets.
Next step
Tan's Agency helps Michigan clients compare PIP options and liability limits. Call 469-269-6539 or request a quote. Also see our Michigan no-fault overview. Verify current rules with the Michigan Department of Insurance and Financial Services.