Car-insurance requirements in Michigan (2026)
Michigan’s bodily-injury limits default to a high pair with a lower pair selectable, which makes it the one state where a single statutory minimum figure is misleading on its own. Its personal-injury system offers six coverage tiers, not the five usually listed.
- Minimum liability limits
- 250/500/10
- Fault system
- No-fault
- Tort threshold
- verbal
- Restricted rating factors
- 6
What the statute requires
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $250,000 | required | Mich. Comp. Laws §500.3009 |
| Bodily injury liability, per accident | $500,000 | required | Mich. Comp. Laws §500.3009 |
| Property damage liability | $10,000 | required | Mich. Comp. Laws §500.3009 |
Source of record: the legislature’s own statute text, corroborated against the state insurance department or motor-vehicle agency. Verification status: primary text confirmed.
The part most published tables get wrong
Michigan bans the consumer credit score of the familiar three-digit kind while expressly permitting a credit-derived insurance score, so it is a restriction state rather than a ban state. It bans rating by ZIP code while expressly permitting rating by territory, which limits granularity without banning geography. The qualified-health-coverage deductible that governs the opt-out tiers is indexed every July; the current year’s figure could not be read from the department during this build and is deliberately withheld rather than republished from the expired bulletin.
How old is this minimum?
Our committed statutory record for Michigan does not carry the date its current limits took effect, so no real-terms restatement is shown. We will not deflate from a year we have not read in the statute or its enacting bill. The limits themselves are confirmed against primary text; only the commencement date is missing.
What the property-damage minimum leaves exposed
A $42,000 property-damage claim against Michigan’s minimum of $10,000 leaves $32,000 above the limit. That difference is the at-fault driver’s own exposure. The claim figure is an illustration; the limit is the statute.
Rating rules in Michigan
| Factor | Status | Authority |
|---|---|---|
| Credit information | Restricted Michigan bans the FICO-type 300–850 credit score but expressly permits a credit-derived insurance score. It is a restriction state, not a ban state — publishing it beside California and Hawaii is wrong. | Mich. Comp. Laws §500.2162; §500.2151(f); §500.2153 |
| Gender | Banned | Mich. Comp. Laws §500.2111 |
| ZIP code | Banned | Mich. Comp. Laws §500.2111(5) |
| Rating territory | No restriction found | — |
| Age | No restriction found | — |
| Marital status | Banned | Mich. Comp. Laws §500.2111 |
| Occupation | Banned | Mich. Comp. Laws §500.2111 |
| Education | Banned | Mich. Comp. Laws §500.2111 |
The same factor across every jurisdiction: credit-based rating by state, gender rating by state, age rating by state, marital-status rating by state, occupation and education rating by state, zip code and territory rating by state.
Premium data for Michigan
No regulator-published premium data exists for Michigan
Michigan’s insurance department does not publish a per-insurer premium comparison, so this site shows no premium figures for Michigan at all. We will not substitute a figure from a quote engine, a trade body or a national aggregate: none of those is a published record of what insurers filed in Michigan.
Coverage requirement checker
Pick a jurisdiction to see every coverage its statute requires, with the amount, the citation and whether it can be rejected.
Michigan — minimum limits 250/500/10
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $250,000 | required | Mich. Comp. Laws §500.3009 |
| Bodily injury liability, per accident | $500,000 | required | Mich. Comp. Laws §500.3009 |
| Property damage liability | $10,000 | required | Mich. Comp. Laws §500.3009 |
Fault system: No-fault — verbal threshold (MCL 500.3135(1)).
General information, not insurance, financial or legal advice. Requirements change; verify with your state insurance department or the statute before acting.
Questions about Michigan
- What is the minimum car insurance required in Michigan?
- Michigan requires liability limits of 250/500/10 under Mich. Comp. Laws §500.3009.
- Is Michigan a no-fault state?
- Michigan operates no-fault with a verbal tort threshold.
- What does car insurance cost in Michigan?
- No regulator publishes premium data for Michigan, so this site shows no premium figures for Michigan. We do not substitute a figure from a quote engine or a national aggregate.
Statutory records for Michigan last verified against primary sources on 10 August 2026. Price level for the real-terms restatement: June 2026, all-items index 333.952. Every figure on this page is recomputed from committed data at build time.