Michigan Auto Insurance

Your PIP medical coverage choice is one of the biggest factors in Michigan auto premiums. Unlimited PIP typically costs more than lower limits like $250,000 or $500,000. If you have qualifying health insurance, you may be able to choose coordinated PIP options that reduce overlap and lower your premium. Visit Michigan.gov/DIFS for detailed PIP guidance and cost comparisons.

While Michigan allows minimums as low as $50,000/$100,000, most advisors recommend at least $250,000/$500,000 to better protect your assets. Consider your net worth, home equity, and savings, if you cause a serious accident, you could be personally liable for damages that exceed your policy limits. Higher limits often cost less than you'd expect and provide meaningful protection.

Michigan's mini-tort provision allows you to recover up to $3,000 for vehicle damage if you're hit by an at-fault driver who doesn't carry optional property damage coverage. Many carriers offer "limited property damage" coverage (sometimes called "mini-tort coverage") to cover this exposure if you cause an accident. It's typically inexpensive and worth considering to avoid out-of-pocket costs.