Car Insurance in Michigan
Car Insurance Liability Requirements in Michigan
Minimum Liability Limits in MI: 20/40/10 [ 4]
20 Required coverage up to $20,000 for one individual injured in an accident
40 Required coverage up to $40,000 for all persons injured in an accident
10 Required coverage up to $10,000 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in Michigan
Auto Insurance Coverage Requirements in MI [ 4]
Bodily injury liability coverage Property damage liability coverage Personal injury protection coverage Car Insurance Verification Laws in Michigan
Insurer Verification of Auto Insurance in MI [ 4]
Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
Michigan Car Insurance Facts, Estimates & Related Laws
Michigan Car Insurance Facts
Average Car Insurance Rates in MI
Michigan had the 10th highest auto insurance rates in the nation in 2010.
[ 2] Rates in MI ranked 11th in the nation in 2009.
[ 2] In 2008, MI had the 11th highest rates in the country.
Number of Auto Insurance Policies in MI
Michigan ranked 10th in the nation in auto insurance policies in 2011 with a total of 6,165,963.
Uninsured Motorist Rate in MI
The uninsured motorist rate in MI ranked 7th in the nation in 2009.
Michigan Distracted Driving Laws
Hand-held phone ban? No
Texting-while-driving ban? Yes Texting-while-driving ban in place for all drivers. [ 7]
Young drivers cell phone ban? Yes Ban applies to learner's permit and intermediate license holders (level 1 and 2); integrated voice-operated systems excepted. [ 7]
Bus driver cell phone ban? Yes Ban applies to school bus drivers. [ 7]
Enforcement of laws:
Primary enforcement in effect.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Michigan Automotive Laws
Safety Belt Laws in MI
Safety belt laws have been in place since 1985 and apply to drivers/passengers 16+ years in front seat.
[ 7] Child restraint law in place for 7 years and younger and less than 57 inches.
Motorcycle Helmet Laws in MI
Motorcycle helmets required for 20 and younger.
[ 7] All riders younger than 21 years are required to wear helmets, without exception. Those 21 and older may ride without helmets 1) if they carry additional insurance and have passed a motorcycle safety course or 2) if they have had their motorcycle endorsement for at least two years. [ 7]
Driver's License Renewal Cycle in MI
Renewal cycle: 4 years
Michigan Auto & Driver Facts
Michigan Automotive Facts
Speed Limits in MI
Rural interstates: 70 mph (Trucks: 60 mph)
[ 7] Urban interstates: 65 mph
[ 7] Other roads: 55 mph
Motor Fuel Consumption in MI
Michigan cities collectively ranked 10th in the nation in total motor fuel consumption in 2011.
Michigan Licensed Drivers
Licensed Drivers in MI [ 10]
Total Drivers: 7,059,509
MI has the 8th most drivers in the U.S.
Minimum Driving Age in MI [ 5]
Michigan has a minimum driving age of 14 years, 9 months.
Michigan Auto Registrations
Auto Registrations in MI [ 8]
Registered Cars: 4,742,808
Registered Trucks: 4,111,481
Registered Motorcycles: 308,349
Total Registrations: 9,182,847
Rank: Michigan ranked 8th in the United States in total auto registrations in 2011.
Additional information about Michigan
Michigan has a population of approximately 9,883,640, which ranks 9th in the U.S. among all states.
More about Michigan auto insurance
For more information about auto insurance in MI, or for additional resources regarding
Michigan car insurance, visit the Michigan Department of Insurance.
Did you know?
Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration