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Michigan Minimum Car Insurance and Penalties for Driving Without It
The short answer
Michigan's default liability is $250,000/$500,000 bodily injury and $10,000 property damage; you may choose limits as low as $50,000/$100,000 by signing a state form.
Michigan at a glance
| Minimum liability | Michigan's default liability is $250,000/$500,000 bodily injury and $10,000 property damage; you may choose limits as low as $50,000/$100,000 by signing a state form. |
|---|---|
| Other required coverage | Personal injury protection (PIP) and property protection insurance are required. You choose a PIP limit of $250,000, $500,000 or no limit per person per accident ($50,000 only for Medicaid enrollees), and property protection pays up to $1,000,000 per accident. Drivers with Medicare Parts A and B may opt out of PIP medical coverage. |
| First offense for driving uninsured | An owner who drives or allows driving without insurance commits a misdemeanor with a fine of $200 to $500, up to 1 year in jail, or both. A driver without proof or coverage is also responsible for a civil infraction; if proof is not given to the court, the court may order the license suspended for 30 days or until proof of insurance is provided, whichever is later. |
| Repeat offense | Michigan law sets no higher penalty for a repeat offense; each violation carries the same misdemeanor and civil infraction penalties. |
| Fee to restore after a lapse | $25 service fee to the Secretary of State when you submit proof of insurance to end the suspension. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Michigan?
Michigan's default liability is $250,000/$500,000 bodily injury and $10,000 property damage; you may choose limits as low as $50,000/$100,000 by signing a state form.
What happens if you drive without insurance in Michigan?
An owner who drives or allows driving without insurance commits a misdemeanor with a fine of $200 to $500, up to 1 year in jail, or both. A driver without proof or coverage is also responsible for a civil infraction; if proof is not given to the court, the court may order the license suspended for 30 days or until proof of insurance is provided, whichever is later.
Sources
- www.michigan.gov/choosing-bodily-injury-coverage
- www.legislature.mi.gov/MCL
- www.michigan.gov/financial-responsibility-restricted-licenses
- www.legislature.mi.gov/MCL
- www.legislature.mi.gov/MCL
- www.legislature.mi.gov/MCL
- www.legislature.mi.gov/MCL
- www.legislature.mi.gov/MCL
- www.legislature.mi.gov/MCL
- www.legislature.mi.gov/MCL