Auto Insurance
Michigan Auto Insurance That Works for You
Michigan's no-fault auto insurance law is one of the most complex in the nation. We help you understand your options, choose the right PIP level, and find coverage that meets state requirements without overpaying.
Navigating Michigan's No-Fault Law
Michigan's auto insurance system changed significantly in 2020. Drivers now have more choices about their Personal Injury Protection (PIP) coverage level, which can significantly affect your premium. Understanding these choices — and their trade-offs — is critical. We help you make an informed decision that protects you and your family.
Auto Coverage Options
Personal Injury Protection (PIP)
Michigan requires PIP coverage, which pays for medical expenses after an accident regardless of fault. You can now choose from multiple coverage levels based on your health insurance situation.
Best for: All Michigan drivers — required by state law
Bodily Injury Liability
Covers damages you owe to others if you cause an accident that injures someone. Michigan requires minimum limits, but higher limits are strongly recommended.
Best for: All Michigan drivers — required by state law
Collision Coverage
Pays to repair or replace your vehicle after a collision, regardless of who was at fault. Required by most lenders if you have a car loan or lease.
Best for: Newer vehicles, financed or leased vehicles
Comprehensive Coverage
Covers non-collision damage to your vehicle — theft, vandalism, weather events, hitting an animal. Often bundled with collision coverage.
Best for: Newer vehicles, areas with high theft rates, Michigan weather risks
Uninsured/Underinsured Motorist
Protects you if you're hit by a driver with no insurance or insufficient coverage. Michigan has a high rate of uninsured drivers.
Best for: All Michigan drivers — highly recommended
Michigan PIP Coverage Levels
Since Michigan's 2020 auto insurance reform, drivers can choose from these PIP levels. The right choice depends on your health insurance coverage.
No cap on medical benefits. Provides the most comprehensive protection for catastrophic injuries.
High coverage limit suitable for most drivers without comprehensive health insurance.
Mid-range option that balances cost savings with meaningful medical coverage.
Available to Medicaid recipients. Lower premium but limited medical benefits.
Available only to those with qualifying Medicare coverage. Eliminates PIP premium but relies entirely on Medicare for accident-related medical costs.
Get Your Michigan Auto Insurance Quote
We'll help you choose the right PIP level and find the best rate from multiple Michigan-licensed carriers.
Get a Free QuoteAuto insurance products are subject to Michigan state regulations and the Michigan No-Fault Insurance Act. Coverage requirements, PIP opt-out eligibility, and premium rates vary by carrier and individual risk profile. Detroit Insurance Services is licensed by the Michigan Department of Insurance and Financial Services (DIFS), License #0155446.