Michigan: car insurance by state
Minimum car insurance each state requires, whether the state is no-fault, and how shared fault affects an injury claim.
| Minimum liability (bodily injury per person / per accident / property damage) | $50,000 / $100,000 / $10,000 |
|---|---|
| Other coverage you must carry | PIP (you choose a level) and $1 million property protection in Michigan |
| Fault system | No-fault (PIP pays first; lawsuits limited) |
| Shared-fault rule | Modified comparative: barred at 51% fault or more |
| Shared-fault law | M.C.L. § 600.2959 |
Policies default to 250/500 bodily injury unless you choose lower limits in writing. At more than 50% fault, non-economic damages are barred.
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply. Confirm with the state agency, the court or a licensed professional in Michigan.
Also for Michigan: Claim deadlines in Michigan · Small claims limits in Michigan
How we checked this
Liability limits were compared across two independent 50-state tables built from state insurance department filings; they agreed for every state. The shared-fault rule comes from a law-firm survey updated June 2026, with 2026 changes in Louisiana and New York confirmed separately. Last checked: November 12, 2026. Laws change; confirm with the state agency or a licensed professional before acting.
Cross-checked sources agree Checked on official source confirmed on a government, court or legislature site From a statute-cited table one detailed source Under review sources disagree; read the note and the law.