Home › Calculators › State Minimum Coverage › Michigan

Michigan Minimum Car Insurance (50/100/10)

Use the calculator to see how Michigan's minimum limits would apply to a hypothetical injury bill and property-damage bill.

This tool is an estimate for education only. It is not legal advice, not an insurance quote, and not a prediction of what a court, insurer, or claims adjuster would pay. Coverage rules, statutes, and case law change. Read the official source linked on this page. Nothing you type into the calculator is collected or sent anywhere; the math runs in your browser.

Short answer: Michigan requires $50,000 bodily injury per person / $100,000 bodily injury per accident / $10,000 property damage. This page prefills the calculator for Michigan and cites the official source.

Reviewed November 7, 2026

What Michigan requires

Michigan's official auto-insurance site states that the lowest residual bodily-injury and property-damage package a driver can buy is $50,000/$100,000/$10,000, while the default offering is $250,000/$500,000/$10,000. Personal injury protection is required, but the medical limit is a choice (and some people may qualify to opt out). In-state damage to another vehicle is generally a property-protection issue, not a simple residual PD claim, which is why the state describes the $10,000 PD figure as applying in another state.

Required PIP / no-fault benefits (PIP is required, but Michigan lets drivers choose among statutory PIP medical limit options and some people may qualify to opt out. This calculator does not invent a single PIP dollar amount.)

A common way to write split limits is 50/100/10. The first number is bodily injury per person, the second is bodily injury for everyone hurt in one crash, and the third is property damage. This calculator's injury example uses only the per-person number because it assumes one injured person.

See also Michigan mini-tort claims.

Official source

Michigan Department of Insurance and Financial Services, Choosing bodily injury coverage. Official michigan.gov auto-insurance page: lowest purchasable residual BI/PD is 50/100/10; default offered coverage is 250/500/10. Property-damage liability is described there as applying in another state because in-state vehicle property damage uses property protection insurance.

Reviewed November 7, 2026. Compare other states on the sources table or the machine-readable data file.

For the recovery rule that would apply if you were partly at fault in Michigan, use the fault / comparative negligence calculator.

FAQ

What is the minimum car insurance in Michigan?

The primary source cited on this page states that Michigan requires $50,000 bodily injury per person / $100,000 bodily injury per accident / $10,000 property damage. In addition, required PIP / no-fault benefits (PIP is required, but Michigan lets drivers choose among statutory PIP medical limit options and some people may qualify to opt out. This calculator does not invent a single PIP dollar amount.). Always read the official source because statutes and department guidance can change.

Does Michigan's minimum cover my own injuries or my own car?

Liability coverage pays people you injure or whose property you damage. It does not pay your own medical bills or repair your own car. This state does require first-party PIP or no-fault benefits for your own injuries. Collision and comprehensive are separate optional coverages.

What if medical or repair bills are higher than the minimum?

The calculator subtracts Michigan's per-person bodily-injury minimum from a one-person injury bill and subtracts the property-damage minimum from a property bill. Anything above those two limits is the simple gap shown.

Is uninsured or underinsured motorist coverage required in Michigan?

The sources we opened for the liability limits did not state that UM is a mandatory statewide coverage in the same way liability is. Offer-and-rejection rules vary; read the official source.

How does this calculator work?

You enter a hypothetical injury bill for one other person and a hypothetical property-damage bill. The script, running only in your browser, compares those bills with the verified per-person BI limit and PD limit and shows the covered amount and the leftover gap. It does not send your numbers to our servers.

Is this legal advice or an insurance quote?

No. This Michigan page and calculator are general information based on the official source cited below, reviewed November 7, 2026. They are not a quote and not advice about your claim or what limits you should buy.