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michigan car insurance

With over a decade of experience in the Wolverine State, we at Esurance know how to treat our Michigan drivers.

Whether it's knowledgeable service or car insurance discounts you're after, you can look no further.

As a proud member of the Allstate family, Esurance is a trusted name in insurance, bent on providing coverage that suits your needs for the best rates possible.

Start your Michigan car insurance quote today to begin enjoying all the perks we have to offer.

Michigan car insurance discounts from Esurance

When you buy auto insurance from Esurance, you could see big savings with these discounts in Michigan:

  • Multi-Car discount
  • Paid-in-Full discount
  • Homeowners discount
  • Fast 5® discount
  • Switch & Save® discount
  • Good Student discount
  • Safety Device discount
  • Anti-Theft discount
  • DriveSense™ discount

Some exclusions may apply. If you're a current Esurance policyholder and have questions about your discounts, call us anytime at 1-800-ESURANCE (1-800-378-7262).

Required coverages in Michigan

Michigan has its own set of unique car insurance laws and regulations (not quite music to your ears, we know). Don't worry, we'll explain things as simply as we can, starting with perhaps its most distinctive coverage: Michigan no-fault insurance.

3-part mandatory Michigan no-fault car insurance

Michigan law dictates that all drivers need no-fault insurance coverage before they can register their cars.

This 3-pronged Michigan no-fault combo (as you might expect) is unique to this state.

  • Personal injury protection
    Personal injury protection (PIP) pays for medical costs if you or your passengers are hurt in a car accident. It can also pay for lost wages, funeral expenses, in-home care, and other services.

    The exact type of PIP you need on your Michigan auto insurance varies based on your health insurance policy.

    • If you don't have health insurance, you'll add "PIP medical — primary" to your policy.
    • If you do have health insurance that can kick in to pay for post-accident medical expenses, you can add "PIP excess — coordinated medical benefits" coverage to your policy. PIP excess can cover medical expenses above and beyond what your health plan can cover.
    • If you have health insurance but it doesn't cover lost income after a car accident, you can add "PIP primary work loss benefits" to your policy.
    • If you do have a health insurance that covers lost income, you can add "PIP excess (coordinated) medical benefits" to your policy.

And if all that makes your head spin, fear not. Our customer service center stands by to help you get a quote or manage your policy at 1-800-ESURANCE (1-800-378-7262).

  • Property protection insurance
    Property protection insurance (PPI) pays up to $1 million in property damage after an accident, regardless of fault. It can cover buildings, trees, road signs, and other things your car may strike in a crash (like a properly parked car). It doesn't pay for damage to any other cars involved in the accident.
  • Residual bodily injury and property damage liability
    No-fault car insurance generally protects you from liability, except in certain extreme cases. In these extreme cases, residual bodily injury and property damage liability can help pay defense costs and damages if you're found at-fault for an accident (up to your policy's limits). It can also cover you if you're in an accident outside of Michigan.

Michigan no-fault limit requirements

Your Michigan no-fault insurance policy needs to have the following coverages and limits, at a minimum:

  • $20,000 bodily injury liability coverage per person
  • $40,000 bodily injury liability coverage per incident
  • $10,000 property damage liability coverage for accidents you cause outside of Michigan
  • $1,000,000 property protection insurance for damage in Michigan
  • Personal injury protection (no limit)

You'll typically see the bodily injury and property damage limits written as 20/40/10. Keep in mind, these are the bare minimums required and you can choose higher liability limits when you get your quote.

How fault works in a no-fault state

Most states let you take legal action, if necessary, to recoup post-accident medical expenses when the other driver is at fault. Michigan, however, is 1 of 12 "no-fault" states that restrict your right to sue.

With Michigan no-fault, your own car insurance policy kicks in to cover accident-related medical expenses for you and your passengers. Only in extreme cases (severe injury or death) does fault re-enter the equation.

It's worth noting that no-fault insurance doesn't pay for damage to your own car (comprehensive and collision coverage can take care of that).

Using your health insurance with PIP

You may be able to designate your personal health insurance policy as the primary source of medical payment if you're in an accident. That means your PIP coverage will kick in only after your health coverage limits are exceeded.

You'll still be required to carry PIP but you may be able to lower your overall premiums if you coordinate the 2 types of coverage this way.

Before taking this step, you may want to review your policy carefully to make sure it covers all injuries caused by car accidents; this includes whether it will pay all hospitalization and other medical costs, deductibles, and other expenses.

Optional car insurance coverages

When you get your Michigan auto quote, you'll have the chance to add these optional coverages for even better peace of mind on the road in the Great Lake State.

  • Comprehensive coverage
  • Collision coverage
  • Limited property damage coverage
  • Uninsured/underinsured motorist bodily injury liability coverage
  • Towing and labor coverage
  • CarMatch Rental Coverage®
  • Custom parts and equipment coverage
  • Loan/lease (gap) coverage

Esurance-approved repair shops in Michigan

If you have Michigan car insurance from Esurance, our network of approved repair shops (E-star® shops) offers online repair tracking through RepairView® and guaranteed repairs for as long as the car's yours.

Find an E-star shop in Michigan.

Factors that help determine your Michigan car insurance rates

By being a safe driver and responsible policyholder, it's easy to manage your car insurance rates in Michigan and score discounts. Other factors that can influence what you pay include:

  • Driving record and insurance history
  • Age and length of time as a licensed driver
  • ZIP Code where your car is parked
  • Your car's year, make, and model
  • Driving frequency and reason for use

Insurance facts for Michigan drivers

Uninsured drivers in Michigan

A 2011 report from the Insurance Research Council estimated that 19 percent of Michigan drivers were uninsured in 2009. That was significantly higher than the national average of 13.8 percent.

While uninsured motorist coverage is optional in Michigan, it's worth considering when almost 1 in 5 drivers on the road lacks even the minimum Michigan car insurance coverage.

No proof of insurance

If you're caught driving without basic car insurance in Michigan, you may be fined up to $500 and sentenced to up to one year in jail. Other fines may also be charged at the court's discretion. For instance, your drivers license may be suspended for at least 30 days or until you can show proof of Michigan auto insurance.

The Essential Insurance Act

The Essential Insurance Act (EIA) requires that insurers accept most Michigan residents for car insurance. There are some exceptions, such as drivers with revoked or suspended licenses, which vary by insurer.

Alternative options for Michigan auto insurance

If you're unable to get car insurance in Michigan from traditional insurers in your state, you may apply for coverage through the Michigan Auto Insurance Placement Facility (MAIPF). You can apply through any licensed insurance agent.

Related links

The Esurance Coverage Counselor®
Spend a few minutes here and you'll get personalized coverage recommendations.

Michigan Department of State
Find info on licensing and registration here.

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