MICHIGAN AUTO INSURANCE GUIDE
Required Auto Insurance, PIP, PPI & Liability Limits in Michigan
Michigan requires no-fault personal injury protection (PIP), property protection insurance (PPI), and residual bodily-injury/property-damage liability coverage. Michigan drivers choose from statutory PIP medical options, including unlimited, $500,000, $250,000, certain $250,000 exclusions, a $50,000 Medicaid option for qualifying households, and a Medicare opt-out for qualifying insureds.
- Confirm the declarations page, PIP medical election, PPI and residual liability limits.
- Michigan’s default residual bodily-injury limits are $250,000 per person/$500,000 per accident, with lower limits down to $50,000/$100,000 permitted by affirmative election.
- PPI provides up to $1 million for covered damage to tangible property in Michigan, subject to statutory exclusions and conditions.
- Identify collision, mini-tort and optional UM/UIM coverage separately.
Primary Michigan Sources
- Michigan DIFS — Choosing PIP Medical Coverage
- MCL 500.3009 — Residual Liability Limits
- MCL 500.3121 — Property Protection Insurance
Current-law review: September 16, 2026. Michigan no-fault choices and eligibility depend on the insured household, policy election and current statute.
VictimsGuide 