MI · educational prototype
Michigan minimum auto liability
Commonly cited minimum
20/40/10 BI/PD plus PIP choices (confirm current reform rules)
Notation is educational (BI per person / BI per accident / PD). Exact wording and required extras vary—confirm before you buy.
What this means
Michigan’s auto insurance system has been shaped by strong no-fault themes and PIP medical coverage choices that changed materially in recent reforms. Treat split-limit notation as a starting point only—PIP limits, coordination with health insurance, and property protection rules need a current DOI review.
Verify the source
Cross-check current requirements with the official regulator: Michigan Department of Insurance and Financial Services (DIFS). PolicyPlain does not publish bindable legal advice.
National orientation: NAIC consumer resources and Insurance Information Institute.
PIP medical coverage levels
Drivers typically choose among PIP medical benefit levels (or opt out in limited circumstances where the law allows). The selection changes both premium and what happens after a serious injury. Compare quotes using identical PIP limits—not just BI/PD—and read DIFS consumer FAQs for the options available at purchase time.
Property protection (PPI)
Michigan policies include property protection concepts that do not exist in every state. If you are new to Michigan insurance, read how PPI interacts with collision coverage on your vehicle so you are not surprised at claim time.
Minimum ≠ enough
State minimums set a legal floor. Serious injuries and modern vehicle values often exceed those floors. Use our auto coverage planner to think through limits educationally.
Canonical URL for sharing: https://policyplain.org/states/michigan