Michigan Auto Insurance

Basic Automobile Insurance Requirements

• Liability Insurance Required? Yes
• Liability Minimums: 20/40/10 (Bodily Injury (BI) and Property Damage (PD))
• Further Requirements: No-Fault State, Personal Injury Protection (PIP)
• Insurance Proof Required? Yes: At Registration
• First Offense Penalty: $200-$500 fine or maximum 1 Year In Jail

Michigan Department of Insurance Contact Information

P.O. Box 30220
Lansing, MI 48909

Phone: (517) 373-0220

Website: http://www.michigan.gov/dleg

Michigan Auto Insurance Requirements and Resources

• Detailed List of Michigan Auto Insurance Requirements
• Online Interactive Consumer Auto Insurance Information:
  Buyers’ Guide And Selection Criteria
• Online Documents -- Adobe Acrobat PDF files -- that can be printed out: Brief Explanation of Michigan No-Fault Insurance
• A Consumers Guide to No-Fault Automobile Insurance in Michigan
• Buyers’ Guide to Auto Insurance in Michigan

The Michigan Auto Insurance Placement Facility (MAIPF)

Drivers who cannot buy vehicle insurance in the regular market, may still be able to purchase coverage with the Michigan Auto Insurance Placement Facility (MAIPF). While not a Michigan state agency, it was formed as a result of state law. The cost of insurance might be more than regular insurance. All insurance agents must complete an application to MAIPF if the consumer asks.
http://www.maipf.org

Download A Complete Explanation of MAIPF
With An Online Document -- Adobe Acrobat -- PDF File
http://www.michigan.gov/documents/cis_ofis_ip205_25088_7.pdf

Auto Insurance Requirements By State

Visit our full list of auto insurance minimum state requirements here.