Michigan Auto Insurance

Michigan is one of the “No Fault” states. Every driver must carry two no-fault policies, Personal Injury Protection (PIP) and Property Protection Insurance (PPI), in addition to standard liability coverage.

PIP, in which the driver’s or policy holder’s (“first party”) insurance company covers non-catastrophic injury-related expenses and associated costs as a result of an accident regardless who is “at fault.” This insures that every motorist will receive immediate medical attention. Also, this limits a driver from suing or being sued for damages as a result of an accident in most cases. However, if an accident occurs outside Michigan or based on the severity of the accident/injury or monetary amount, if you are at fault you may be subject to a lawsuit for damages. Therefore, Liability insurance is also required in Michigan.

A "no-fault" PIP policy in Michigan will pay for all your medical costs. It will also pay, up to a maximum amount, for the wages you would have earned if you had not been injured, for up to three years.

A PPI policy under Michigan law will pay up to $1 million for damages your vehicle inflicts in Michigan to other people's property, such as buildings and fences. It will also cover damages your car does to other people's properly parked vehicles.

However, based on the severity of the accident/injury or monetary amount, if you are at fault you may be subject to a lawsuit for damages.

For more information on No Fault Michigan auto insurance, check out our article listed at http://autoinsurancegroup.com/no-fault-auto-insurance.html

Required Michigan Auto Insurance Coverage Minimum - 20/40/10 $20,000 for injury liability for one person in an accident, $40,000 for all injuries in any one accident, and $10,000 for property damage in an accident.

Mandatory Michigan Auto Insurance Coverage—PIP (No Fault) policy, Property Damage Liability policy, Bodily Injury Liability policy

Proof of Michigan auto insurance - is not required.

Non-Seatbelt Use
You can be pulled over for non-seat belt use, accident damage mitigation up to 5% maximum and $25 fine for all seats for noncompliance

For more info on Michigan auto insurance,

Office of Financial and Insurance Services

Website: Michigan Office of Financial and Insurance Services (OFIS)
Email: ofis-ins-info@michigan.gov

Ottawa Building, 3rd Floor
611 W. Ottawa
Lansing, MI 48933-1070
Tel: 517 373-0220
Toll Free: 877 999-6442
FAX: 517 335-4978

If you reside in any of the areas listed, this info is for you; Alcona, Caledonia, Curtis, Greenbush, Gustin, Harrisville, Harrisville, Hawes, Haynes, Mikado, Millen, Mitchell, Au Train, Burt, Grand Island, Limestone, Mathias, Munising, Munising, Onota, Rock River, Allegan, Allegan, Casco, Cheshire, Clyde, Dorr, Fennville, Fillmore, Ganges, Gunplain, Heath, Holland, Hopkins, Laketown, Lee, Leighton, Manlius, Martin, Monterey, Otsego, Otsego, Overisel, Plainwell, Salem, Saugatuck, Saugatuck, South Haven, Trowbridge, Valley, Watson, Wayland, Wayland, Alpena, Alpena, Green, Long Rapids, Maple Ridge, Ossineke, Sanborn, Wellington, Wilson, Banks, Central Lake, Chestonia, Custer, Echo, Elk Rapids, Forest Home, Helena, Jordan, Kearney, Mancelona, Milton, Star, Torch Lake, Warner, Adams, Arenac, Au Gres, Clayton, Deep River, Mason, Moffatt, Omer, Sims, Standish, Standish, Turner, Whitney, Arvon, Baraga, Covington, L'Anse, Spurr, Assyria, Baltimore, Barry, Carlton, Castleton, Hastings, Hastings, Hope, Irving, Johnstown, Maple Grove, Orangeville, Prairieville, Rutland, Thornapple, Woodland, Yankee Springs, Auburn, Bangor, Bay City, Beaver, Essexville, Frankenlust, Fraser, Gibson, Hampton, Kawkawlin, Merritt, Midland, Monitor, Mount Forest, Pinconning, Pinconning, Portsmouth, Williams, Almira, Benzonia, Blaine, Colfax, Crystal Lake, Frankfort, Gilmore, Homestead, Inland, Joyfield, Lake, Platte, Weldon, Bainbridge, Baroda, Benton, Benton Harbor, Berrien, Bertrand, Bridgman, Buchanan, Chikaming, Coloma, Coloma, Galien, Hagar, Lake, New Buffalo, , Niles, Oronoko, Pipestone, Royalton, St Joseph, St Joseph, Sodus, Three Oaks, Watervliet, Watervliet, Weesaw, Algansee, Batavia, Bethel, Bronson, Butler, California, Coldwater, Gilead, Girard, Kinderhook, Matteson, Noble, Ovid, Quincy, Sherwood, Union, Albion, Athens, Battle Creek, Bedford, Burlington, Clarence, Clarendon, Convis, Eckford, Emmett, Fredonia, Homer, Lee, Leroy, Marengo, Marshall, Newton, Pennfield, Sheridan, Springfield, Tekonsha, Calvin, Dowagiac, Howard, Jefferson, La Grange, Marcellus, Mason, Milton, Newberg, Niles, Ontwa, Penn, Pokagon, Porter, Silver Creek, Volinia, Wayne, Bay, Boyne City, Boyne Valley, Chandler, Charlevoix, Charlevoix, East Jordan, Evangeline, Eveline, Hayes, Hudson, Marion, Melrose, Norwood, Peaine, St James, South Arm, Wilson, Aloha, Beaugrand, Benton, Burt, Cheboygan, Ellis, Forest, Hebron, Inverness, Koehler, Mackinaw, Mentor, Mullett, Munro, Nunda, Tuscarora, Walker, Waverly, Wilmot, Bay Mills, Bruce, Chippewa, Dafter, Detour, Drummond, Hulbert, Kinross, Pickford, Raber, Rudyard, Sault Ste Marie, Soo, Sugar Island, Superior, Trout Lake, Whitefish, Arthur, Clare, Franklin, Freeman, Frost, Garfield, Greenwood, Hamilton, Harrison, Hatton, Hayes, Redding, Sheridan, Summerfield, Surrey, Winterfield, Bath, Bengal, Bingham, Dallas, De Witt, De Witt, Duplain, Eagle, East Lansing, Essex, Grand Ledge, Greenbush, Lebanon, Olive, Ovid, Riley, St Johns, Victor, Watertown, Westphalia, Beaver Creek, Frederic, Grayling, Grayling, Lovells, Maple Forest, South Branch, Baldwin, Bark River, Bay de Noc, Brampton, Cornell, Ensign, Escanaba, Escanaba, Fairbanks, Ford River, Garden, Gladstone, Maple Ridge, Masonville, Nahma, Wells, Breen, Breitung, Felch, Iron Mountain, Kingsford, Norway, Norway, Sagola, Waucedah, West Branch, Bellevue, Benton, Brookfield, Carmel, Charlotte, Chester, Delta, Eaton, Eaton Rapids, Eaton Rapids, Grand Ledge, Hamlin, Kalamo, Lansing, Olivet, Oneida, Potterville, Roxand, Sunfield, Vermontville, Walton, Windsor, Bear Creek, Bliss, Carp Lake, Center, Cross Village, Friendship, Harbor Springs, Littlefield, Little Traverse, McKinley, Maple River, Petoskey, Pleasantview, Readmond, Resort, Springvale, Wawatam, West Traverse, Argentine, Atlas, Burton, Clayton, Clio, Davison, Fenton, Flint, Flushing, Forest, Gaines, Genesee, Grand Blanc, Linden, Montrose, Montrose, Mount Morris, Mundy, Richfield, Swartz Creek, Thetford, Vienna, Beaverton, Bentley, Billings, Bourret, Buckeye, Butman, Clement, Gladwin, Gladwin, Grim, Grout, Hay, Sage, Secord, Tobacco, Bessemer, Bessemer, Erwin, Ironwood, Ironwood, Marenisco, Wakefield, Wakefield, Watersmeet, Acme, Blair, East Bay, Fife Lake, Green Lake, Long Lake, Mayfield, Paradise, Peninsula, Traverse City, Union, Whitewater, Alma, Arcada, Bethany, Elba, Emerson, Fulton, Hamilton, Ithaca, Lafayette, Newark, New Haven, North Shade, North Star, Pine River, St Louis, Seville, Sumner, Washington, Wheeler, Adams, Allen, Amboy, Cambria, Camden, Fayette, Hillsdale, Jefferson, Litchfield, Litchfield, Moscow, Pittsford, Ransom, Reading, Reading, Scipio, Somerset, Wheatland, Woodbridge, Wright, Adams, Calumet, Chassell, Duncan, Elm River, Franklin, Hancock, Hancock, Houghton, Laird, Osceola, Portage, Quincy, Schoolcraft, Stanton, Torch Lake, Bad Axe, Bingham, Bloomfield, Brookfield, Caseville, Chandler, Colfax, Dwight, Fairhaven, Gore, Harbor Beach, Hume, Huron, Lake, McKinley, Meade, Oliver, Paris, Pointe Aux Barques, Port Austin, Rubicon, Sand Beach, Sebewaing, Sheridan, Sigel, Verona, Winsor, Alaiedon, Aurelius, Bunker Hill, Delhi, East Lansing, Ingham, Lansing, Lansing, Leroy, Leslie, Leslie, Locke, Mason, Meridian, Onondaga, Stockbridge, Vevay, Wheatfield, White Oak, Williamston, Williamstown, Belding, Berlin, Boston, Campbell, Danby, Easton, Ionia, Ionia, Keene, Lyons, North Plains, Odessa, Orange, Orleans, Otisco, Portland, Portland, Ronald, Sebewa, Alabaster, Au Sable, Baldwin, Burleigh, East Tawas, Grant, Oscoda, Plainfield, Reno, Tawas, Tawas City, Whittemore, Wilber, Bates, Caspian, Crystal Falls, Crystal Falls, Gaastra, Hematite, Iron River, Iron River, Mansfield, Mastodon, Stambaugh, Stambaugh, Broomfield, Chippewa, Clare, Coe, Coldwater, Deerfield, Denver, Fremont, Gilmore, Isabella, Mount Pleasant, Nottawa, Rolland, Union, Vernon, Wise, Blackman, Columbia, Concord, Grass Lake, Hanover, Henrietta, Jackson, Leoni, Liberty, Napoleon, Norvell, Parma, Pulaski, Rives, Sandstone, Spring Arbor, Springport, Summit, Tompkins, Waterloo, Alamo, Brady, Charleston, Climax, Comstock, Cooper, Galesburg, Kalamazoo, Kalamazoo, Oshtemo, Parchment, Pavilion, Portage, Prairie Ronde, Richland, Ross, Schoolcraft, Texas, Wakeshma, Bear Lake, Blue Lake, Boardman, Clearwater, Coldsprings, Excelsior, Garfield, Kalkaska, Oliver, Orange, Rapid River, Springfield, Ada, Algoma, Alpine, Bowne, Byron, Caledonia, Cannon, Cascade, Cedar Springs, Courtland, East Grand Rapids, Gaines, Grand Rapids, Grand Rapids, Grandville, Grattan, Kentwood, Lowell, Lowell, Nelson, Oakfield, Plainfield, Rockford, Solon, Sparta, Spencer, Tyrone, Vergennes, Walker, Wyoming, Allouez, Eagle Harbor, Houghton, Chase, Cherry Valley, Dover, Eden, Elk, Ellsworth, Lake, Newkirk, Peacock, Pinora, Pleasant Plains, Sauble, Sweetwater, Webber, Yates, Almont, Arcadia, Attica, Brown City, Burlington, Burnside, Deerfield, Dryden, Elba, Goodland, Hadley, Imlay, Imlay City, Lapeer, Lapeer, Marathon, Mayfield, Metamora, North Branch, Oregon, Rich, Bingham, Centerville, Cleveland, Elmwood, Empire, Glen Arbor, Kasson, Leelanau, Leland, Solon, Suttons Bay, Traverse City, Adrian, Adrian, Blissfield, Cambridge, Clinton, Deerfield, Dover, Fairfield, Franklin, Hudson, Hudson, Macon, Madison, Medina, Morenci, Ogden, Palmyra, Raisin, Ridgeway, Riga, Rollin, Rome, Seneca, Tecumseh, Woodstock, Brighton, Cohoctah, Conway, Deerfield, Genoa, Green Oak, Hamburg, Handy, Hartland, Howell, Howell, Iosco, Marion, Oceola, Putnam, Tyrone, Unadilla, Columbus, Lakefield, McMillan, Pentland, Bois Blanc, Brevort, Clark, Garfield, Hendricks, Hudson, Mackinac Island, Marquette, Moran, Newton, Portage, St Ignace, Armada, Bruce, Center Line, Chesterfield, Clinton, Eastpointe, Fraser, Harrison, Lake, Lenox, Macomb, Memphis, Mount Clemens, New Baltimore, Ray, Richmond, Richmond, Roseville, St Clair Shores, Shelby, Sterling Heights, Utica, Warren, Washington, Arcadia, Bear Lake, Brown, Cleon, Dickson, Filer, Manistee, Manistee, Maple Grove, Marilla, Norman, Onekama, Pleasanton, Springdale, Stronach, Champion, Chocolay, Ely, Ewing, Forsyth, Humboldt, Ishpeming, Marquette, Michigamme, Negaunee, Negaunee, Powell, Republic, Richmond, Sands, Skandia, Tilden, Turin, Wells, West Branch, Amber, Branch, Custer, Eden, Free Soil, Hamlin, Logan, Ludington, Meade, Pere Marquette, Riverton, Scottville, Sheridan, Summit, Victory, Aetna, Austin, Big Rapids, Big Rapids, Chippewa, Colfax, Deerfield, Fork, Green, Hinton, Martiny, Mecosta, Millbrook, Morton, Sheridan, Wheatland, Cedarville, Daggett, Faithorn, Gourley, Harris, Holmes, Ingallston, Lake, Mellen, Menominee, Meyer, Nadeau, Spalding, Stephenson, Coleman, Edenville, Geneva, Greendale, Homer, Hope, Ingersoll, Jasper, Jerome, Larkin, Lee, Lincoln, Midland, Midland, Mills, Mount Haley, Porter, Warren, Aetna, Bloomfield, Butterfield, Caldwell, Clam Union, Enterprise, Forest, Holland, Lake, Lake City, McBain, Norwich, Pioneer, Reeder, Richland, Riverside, West Branch, Ash, Bedford, Berlin, Dundee, Erie, Exeter, Frenchtown, Ida, La Salle, London, Luna Pier, Milan, Milan, Monroe, Monroe, Petersburg, Raisinville, Summerfield, Whiteford, Belvidere, Bloomer, Bushnell, Carson City, Cato, Crystal, Day, Douglass, Eureka, Evergreen, Fairplain, Ferris, Greenville, Home, Maple Valley, Montcalm, Pierson, Pine, Reynolds, Richland, Sidney, Stanton, Winfield, Albert, Avery, Briley, Hillman, Loud, Montmorency, Rust, Vienna, Blue Lake, Casnovia, Cedar Creek, Dalton, Egelston, Fruitland, Fruitport, Holton, Laketon, Montague, Montague, Moorland, Muskegon, Muskegon, Muskegon Heights, North Muskegon, Norton Shores, Ravenna, Roosevelt Park, Sullivan, Whitehall, Whitehall, White River, Ashland, Barton, Beaver, Big Prairie, Bridgeton, Brooks, Croton, Dayton, Denver, Ensley, Everett, Fremont, Garfield, Goodwell, Home, Lilley, Merrill, Monroe, Newaygo, Norwich, Sheridan, Troy, White Cloud, Wilcox, Addison, Auburn Hills, Berkley, Birmingham, Bloomfield, Bloomfield Hills, Brandon, Clawson, Commerce, Farmington, Farmington Hills, Ferndale, Groveland, Hazel Park, Highland, Holly, Huntington Woods, Independence, Keego Harbor, Lake Angelus, Lathrup Village, Lyon, Madison Heights, Milford, Northville, Novi, Novi, Oakland, Oak Park, Orchard Lake Village, Orion, Oxford, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Rose, Royal Oak, Royal Oak, Southfield, Southfield, South Lyon, Springfield, Sylvan Lake, Troy, Village of Clarkston, Walled Lake, Waterford, West Bloomfield, White Lake, Wixom, Benona, Claybanks, Colfax, Crystal, Elbridge, Ferry, Golden, Greenwood, Hart, Hart, Leavitt, Newfield, Otto, Pentwater, Shelby, Weare, Churchill, Cumming, Edwards, Foster, Goodar, Hill, Horton, Klacking, Logan, Mills, Ogemaw, Richland, Rose, Rose City, West Branch, West Branch, Bergland, Bohemia, Carp Lake, Greenland, Haight, Interior, McMillan, Matchwood, Ontonagon, Rockland, Stannard, Burdell, Cedar, Evart, Evart, Hartwick, Hersey, Highland, Le Roy, Marion, Middle Branch, Orient, Osceola, Reed City, Richmond, Rose Lake, Sylvan, Big Creek, Clinton, Comins, Elmer, Greenwood, Mentor, Bagley, Charlton, Chester, Corwith, Dover, Elmira, Gaylord, Hayes, Livingston, Otsego Lake, Allendale, Blendon, Chester, Coopersville, Crockery, Ferrysburg, Georgetown, Grand Haven, Holland, Hudsonville, Jamestown, Olive, Park, Polkton, Port Sheldon, Robinson, Spring Lake, Tallmadge, Wright, Zeeland, Allis, Bearinger, Belknap, Bismarck, Case, Krakow, Metz, Moltke, North Allis, Ocqueoc, Onaway, Posen, Presque Isle, Pulawski, Rogers, Rogers City, Au Sable, Backus, Denton, Gerrish, Higgins, Lake, Lyon, Markey, Nester, Richfield, Roscommon, Albee, Birch Run, Blumfield, Brady, Brant, Bridgeport, Buena Vista, Carrollton, Chapin, Chesaning, Frankenmuth, Frankenmuth, Fremont, James, Jonesfield, Kochville, Lakefield, Maple Grove, Marion, Richland, Saginaw, Saginaw, St Charles, Spaulding, Swan Creek, Taymouth, Thomas, Tittabawassee, Zilwaukee, Algonac, Berlin, Brockway, Burtchville, Casco, China, Clay, Clyde, Columbus, Cottrellville, East China, Emmett, Fort Gratiot, Sherman, Greenwood, Ira, Kenockee, Kimball, Lynn, Marine City, Marysville, Memphis, Mussey, Port Huron, Richmond, Riley, St Clair, St Clair, Wales, Yale, Burr Oak, Colon, Constantine, Fabius, Fawn River, Florence, Flowerfield, Leonidas, Lockport, Mendon, Mottville, Nottawa, Park, Sturgis, Sturgis, Three Rivers, White Pigeon, Argyle, Austin, Bridgehampton, Brown City, Buel, Croswell, Custer, Delaware, Elk, Elmer, Evergreen, Flynn, Forester, Fremont, Greenleaf, Lamotte, Lexington, Maple Valley, Marion, Marlette, Marlette, Minden, Moore, Sandusky, Sanilac, Speaker, Washington, Watertown, Wheatland, Worth, Doyle, Germfask, Hiawatha, Inwood, Manistique, Manistique, Mueller, Seney, Thompson, Antrim, Bennington, Burns, Caledonia, Corunna, Durand, Fairfield, Hazelton, Laingsburg, Middlebury, New Haven, Owosso, Owosso, Perry, Perry, Rush, Sciota, Shiawassee, Venice, Vernon, Woodhull, Akron, Almer, Arbela, Columbia, Dayton, Denmark, Elkland, Ellington, Elmwood, Fairgrove, Fremont, Gilford, Indianfields, Juniata, Kingston, Koylton, Millington, Novesta, Tuscola, Vassar, Vassar, Watertown, Wells, Wisner, Almena, Antwerp, Arlington, Bangor, Bangor, Bloomingdale, Columbia, Covert, Decatur, Geneva, Gobles, Hamilton, Hartford, Hartford, Keeler, Lawrence, Paw Paw, Pine Grove, Porter, South Haven, South Haven, Waverly, Ann Arbor, Ann Arbor, Augusta, Bridgewater, Dexter, Freedom, Lima, Lodi, Lyndon, Manchester, Milan, Northfield, Pittsfield, Salem, Saline, Saline, Scio, Sharon, Superior, Sylvan, Webster, York, Ypsilanti, Ypsilanti, Allen Park, Belleville, Brownstown, Canton, Dearborn, Dearborn Heights, Detroit, Ecorse, Flat Rock, Garden City, Gibraltar, Grosse Ile, Grosse Pointe, Grosse Pointe, Grosse Pointe Farms, Grosse Pointe Park, Grosse Pointe Woods, Hamtramck, Harper Woods, Highland Park, Huron, Inkster, Lincoln Park, Livonia, Melvindale, Northville, Plymouth, Plymouth, Redford, River Rouge, Riverview, Rockwood, Romulus, Southgate, Sumpter, Taylor, Trenton, Van Buren, Wayne, Westland, Woodhaven, Wyandotte, Antioch, Boon, Cadillac, Cedar Creek, Cherry Grove, Clam Lake, Colfax, Greenwood, Hanover, Haring, Henderson, Liberty, Manton, Selma, Slagle, South Branch, Springville, Wexford

We hope you found this page on Michigan auto insurance useful.