Drive Protected with Michigan No-Fault Coverage
Whether you're commuting in Detroit, heading north for the weekend, or cruising the lakeshore, we’ll help you find a Michigan auto insurance policy that fits your life.
Auto Insurance
Why Auto Insurance Matters
Driving in Michigan requires more than just basic coverage — it requires the right protection under Michigan’s unique No-Fault Insurance system.
Auto insurance helps cover medical expenses, vehicle repairs, property damage, and liability costs, no matter who caused the accident.
With recent reforms, Michigan drivers now have more choice and flexibility when it comes to coverage levels and cost.
Understanding Michigan’s No-Fault Auto Insurance
Personal Injury Protection (PIP) Coverage
PIP pays for medical expenses if you're injured in a car accident, regardless of who is at fault. Thanks to recent reforms, Michigan drivers can now choose their level of PIP coverage.
Key Benefits:
Covers medical bills, lost wages, and rehabilitation
Choice of unlimited, limited, or opt-out options
Critical for protecting you and your family after an accident
Property Protection Insurance (PPI)
PPI covers up to $1 million in damages your vehicle causes to other people's property, such as buildings, fences, or parked cars.
Key Benefits:
Only required in Michigan
High-value protection for third-party property
Residual Liability Insurance
This covers you in the rare cases where you can be sued, such as if you cause an accident in another state or injure someone seriously.
Key Benefits:
Bodily injury and property damage liability protection
Peace of mind when traveling outside of Michigan
Comprehensive Coverage
Covers non-collision events such as theft, vandalism, hail, flood, or deer strikes — common hazards on Michigan roads.
Key Benefits:
Protects against weather, wildlife, theft, and fire
Often required if you lease or finance your car
Collision Coverage
Pays for damage to your own vehicle after an accident, regardless of fault.
Michigan offers three types of collision coverage:
Standard Collision: Pays minus your deductible, regardless of fault.
Broad Collision: No deductible if you’re less than 50% at fault.
Limited Collision: Only pays if you're less than 50% at fault
Why Choose the Right Michigan Auto Insurance?
Between snowy winters, potholes, deer crossings, and urban traffic, Michigan drivers face a wide range of risks.
Having the right coverage isn't just a legal requirement — it's essential for your financial security and peace of mind.
Frequently Asked Questions (FAQ)
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Michigan’s No-Fault system means your own insurance pays for your medical bills and damages, no matter who causes an accident.
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Yes! If you’re seriously at fault, especially out of state, liability coverage helps protect your assets.
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Drivers can now choose their level of PIP coverage instead of being required to carry unlimited medical coverage, helping lower premiums.
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You may qualify for discounts based on safe driving, bundling home and auto, good grades for students, and more.
