Coverage and service for the Great Lakes State
If you live in Michigan or plan to move there, we can help you find the protection you need with USAA Auto Insurance.
From exploring the beautiful shores of Lake Michigan to visiting the vibrant city of Detroit and cruising along the scenic M-22 highway, we can be there for you.
Required car insurance coverage in Michigan
Michigan law requires drivers to have the following minimum coverage limits.
Coverage |
Bodily injury liability |
|---|---|
Description |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
Minimum requirement |
$50,000 limit per person $100,000 limit per accident |
Coverage |
Property damage liability |
Description |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
Minimum requirement |
$10,000 limit per accident |
Coverage |
Personal injury protection |
Description |
This helps cover expenses if you or your passengers are injured in a car accident, regardless of whose fault it is. |
Minimum requirement |
Coverage options vary and can be waived by written request if eligible. |
Coverage |
Property protection insurance |
Description |
This helps pay for damages to other people's property like homes, other buildings and fences regardless of whose fault it is. |
Minimum requirement |
Up to $1,000,000 per accident |
Required car insurance coverage in Michigan
Michigan law requires drivers to have the following minimum coverage limits.
| Coverage | Description | Minimum requirement |
|---|---|---|
Bodily injury liability |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
$50,000 limit per person $100,000 limit per accident |
Property damage liability |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
$10,000 limit per accident |
Personal injury protection |
This helps cover expenses if you or your passengers are injured in a car accident, regardless of whose fault it is. |
Coverage options vary and can be waived by written request if eligible. |
Property protection insurance |
This helps pay for damages to other people's property like homes, other buildings and fences regardless of whose fault it is. |
Up to $1,000,000 per accident |
Michigan law requires drivers to have the following minimum coverage limits.
| Coverage | Bodily injury liability |
|---|---|
| Description | This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
| Minimum requirement | $50,000 limit per person $100,000 limit per accident |
| Coverage | Property damage liability |
| Description | This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
| Minimum requirement | $10,000 limit per accident |
| Coverage | Personal injury protection |
| Description | This helps cover expenses if you or your passengers are injured in a car accident, regardless of whose fault it is. |
| Minimum requirement | Coverage options vary and can be waived by written request if eligible. |
| Coverage | Property protection insurance |
| Description | This helps pay for damages to other people's property like homes, other buildings and fences regardless of whose fault it is. |
| Minimum requirement | Up to $1,000,000 per accident |
Michigan car insurance FAQ
If you're moving to Michigan or within the state, you should change the vehicle location on your auto policy. You may also want to review your coverage and deductibles, as insurance needs can change with a move.
It's also a good idea to check with your state to see if you need to update your vehicle registration.
Some states may require you to carry a physical insurance ID card. You can print your own card or we can send it to you. You can also save a digital copy to the USAA Mobile App.
Yes. Drivers are usually required to get personal injury protection or no-fault coverages in Michigan. That means if you or your passengers are injured in a car accident, then your own auto insurance would help cover related medical costs no matter who caused the accident.