michigan liability insurance

Auto Insurance, Now in 34 states! How to get the BEST Auto Rates!

Michigan Liability Insurance

Minimum Liability Requirements: 50/100/10

Auto Insurance, Now in 34 states! How to get the BEST Auto Rates!

Michigan Liability Insurance

Minimum Liability Requirements: 50/100/10

By Veronica Moss | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance

Is Michigan a no-fault car insurance state?

Michigan is indeed a no-fault car insurance state, meaning that regardless of who is at fault in an accident, each party’s insurance provider is responsible for covering their own medical expenses and other financial losses. This system aims to expedite the claims process and reduce litigation by ensuring prompt reimbursement for medical bills and lost wages. However, Michigan’s no-fault system also requires drivers to carry Personal Injury Protection (PIP) coverage, which can contribute to higher insurance premiums compared to states with traditional fault-based systems. Additionally, Michigan’s no-fault laws provide unlimited lifetime medical benefits for accident-related injuries, offering extensive coverage but potentially increasing insurance costs further. Understanding these regulations is essential for Michigan drivers to navigate their insurance options effectively and ensure adequate coverage for their needs.

Why Chose Liability-Only Car Insurance in Michigan?

Liability-only car insurance means you are paying for only the bare minimum necessary to cover another person’s property damage and personal property if YOU are at fault. Many people will consider only the minimum coverage if paying for full coverage is too expensive.

Cost for Liability only Insurance in Michigan (by city)

CityPrice
Sterling Heights$95.00
Battle Creek$105.00
Southfield city$95.00
Ann Arbor city$100.00
Brownstown$110.00
Madison Heights$104.00
Allen Park$99.00
Portage city$91.00
Livonia$110.00
Westland$109.00
Waterford$94.00
Delta$102.00
Lansing city$102.00
Warren city$104.00
Kentwood$92.00
Troy city$87.00
Southgate$99.00
Wyoming$92.00
Canton$99.00
Detroit$86.00
Garden City$95.00
Chesterfield$96.00
Grand Blanc$88.00
Novi city$97.00
Grand Rapids city$106.00
Jackson$97.00
Northville$93.00
Rochester Hills$88.00
West Bloomfield$91.00
Flint city$108.00
Shelby$91.00
Oak Park$98.00
Georgetown$86.00
Kalamazoo city$87.00
Macomb$97.00
Plymouth$92.00
Bedford township$106.00
Washington township$110.00
St. Clair Shores$109.00
Muskegon city$102.00
Pittsfield$108.00
Lincoln Park$92.00
Dearborn Heights$98.00
Clinton charter township$95.00
Saginaw city$89.00
Gaines charter township$98.00
Van Buren$95.00
White Lake$87.00
Commerce$98.00
Saginaw$110.00
Allendale$104.00
Eastpointe$107.00
Dearborn$99.00
Roseville$97.00
East Lansing$98.00
Redford$104.00
Flint$108.00
Ypsilanti$97.00
Meridian$100.00
Plainfield charter township$86.00
Bloomfield charter township$97.00
Pontiac$105.00
Delhi$94.00
Royal Oak city$90.00
Burton$108.00
Independence$95.00
Orion$106.00
Taylor$92.00

Understanding Michigan Liability Insurance Laws and Regulations

Before purchasing any type of insurance, you must make sure you are in compliance with the state laws. Even if this makes your insurance more costly than you would like, the costs of penalties and fines are even worse.

Michigan Insurance Laws and Regulations mandate that all drivers must purchase Personal Injury Protection of at least $250,000 ($50,000 for Medicaid recipients), as it is considered a “no-fault” state for car insurance.

This means that each person’s insurance will pay for their own medical expenses and other items like lost wages with their own insurance, regardless of who was at fault. They must also have the minimum liability limits of:

$50,000 coverage for bodily injury per person

$100,000 coverage for bodily injury per accident

$10,000 coverage for property damage

Should I upgrade to full coverage Insurance in Michigan (by city)

CityPrice
Canton$157
Wyoming$177
Farmington Hills$155
Grand Blanc$171
Northville$167
Lansing city$154
Plainfield charter township$155
Georgetown$166
Saginaw$170
Southgate$169
Madison Heights$175
Delta$166
Commerce$174
Muskegon city$175
Pontiac$151
Van Buren$181
Ypsilanti$161
Flint city$170
Clinton charter township$154
Chesterfield$169
Brownstown$161
White Lake$178
Royal Oak city$158
Portage city$164
Bay City$168
Midland city$182
Dearborn$155
Bedford township$177
Flint$177
St. Clair Shores$153
Garden City$162
Allen Park$176
Southfield city$182
Mount Pleasant$155
Roseville$161
Washington township$182
Eastpointe$181
Allendale$156
Saginaw city$159
Ann Arbor city$154
Bloomfield charter township$172
Plymouth$181
Lincoln Park$149
Westland$154
Sterling Heights$153
Waterford$173
Shelby$163
Port Huron city$174
Grand Rapids city$168
Dearborn Heights$182
Meridian$176
Redford$164
Oak Park$165
Livonia$174
East Lansing$161
Battle Creek$151

Michigan liability insurance Rating Factors

If you heard that your neighbor John Doe just purchased insurance and only pays monthly payments of $35…chances are that will not be the same with you. Insurance premiums are based on various rating factors which cause rates to be much different from person to person. Take a look at some potential rating factors that might affect your Michigan liability insurance:

Auto Insurance Rating FactorRate Impact
Major Violations (DUI, DWI, etc)High
Vehicle Performance (Symbol)Medium
Vehicle Safety FeaturesMedium
ProfessionLow
GenderMedium
AgeHigh
LocationMedium
Marital StatusMedium
Vehicle Make and ModelMedium
Color of CarNone
Costs for Liability Insurance in Michigan will vary depending on the status of the above rating factors

Cheapest Michigan Liability Insurance with Good Credit

Credit is an extremely important rating factor when an insurance company determines your rates.

When an agent writes you an insurance policy, they must first do a soft credit pull to determine your credit history. If your credit score is above 670, it’s considered a good score, and anything above 740 is even better.

When your credit score is good, your rates will be MUCH lower than someone who has a poor credit history.

Take a look at some sample rates when your credit is good vs. when you have bad credit:

Auto Insurance CompanyAverage Monthly Rate with Good CreditAverage Monthly Rate with Bad Credit
National General$128$193
Dairyland$134$152
Geico$139$194
The General$141$178
GAINSCO$142$171
Mendota Ins. Company$145$189
AssuranceAmerica$148$159
Acceptance RTR$149$156
21st Century$150$153
Nationwide$154$185
Bristol West$159$183
American Family$166$190
Progressive Insurance$169$199

Cheapest Liability Insurance in Michigan with Bundling Discounts

Whether you rent or own your home, you most likely need renters insurance or homeowners insurance.

If you have either of these two products, consider making sure they are bundled with your Michigan liability insurance, as bundle discounts are another great way to save you on your monthly costs.

Auto Insurance CompanyAverage Monthly Cost of Home and Auto
Geico$129
Dairyland$135
Progressive Insurance$136
The General$137
Acceptance RTR$138
AssuranceAmerica$139
GAINSCO$139
Mendota Ins. Company$142
Nationwide$144
National General$152
Liberty Mutual$160
21st Century$164
Bristol West$166
American Family$169

Best Michigan Liability Insurance Rates for Male Drivers

Male drivers, especially young male drivers can usually expect to pay more on auto insurance than female drivers.

While this can be distressing to those male drivers out there, when you purchase Michigan liability insurance only, as opposed to full coverage, this could be a great way to pay less on your monthly installments.

Auto Insurance CompanyAvg Liability Only for Male Drivers
Acceptance RTR$155
Dairyland$156
Progressive Insurance$161
The General$164
GAINSCO$167
Geico$170
Bristol West$171
Mendota Ins. Company$179
National General$181
21st Century$184
AssuranceAmerica$186
Safeco$189
Nationwide$192
State Farm$196
Allstate$203

Who has the lowest liability Insurance price in Michigan (by city)

CityPrice
White LakeFarmers
Grand BlancProgressive
East LansingLiberty Mutual
AllendaleGeico
Midland cityProgressive
Lincoln ParkProgressive
Clinton charter townshipThe General
BrownstownThe General
KentwoodFarmers
WaterfordThe General
Rochester HillsProgressive
Novi cityDairyland*
Port Huron cityProgressive
Southfield cityNational General
JacksonProgressive
DetroitNational General
Muskegon cityProgressive
Garden CityProgressive
PlymouthThe General
Holland charter townshipThe General
MeridianThe General
Battle CreekProgressive
Bay CityProgressive
FlintLiberty Mutual
SaginawGeico
Warren cityProgressive
St. Clair ShoresDairyland*
OrionLiberty Mutual
Lansing cityThe General
Portage cityProgressive
BurtonGeico
Allen ParkThe General
Kalamazoo cityGeico
DeltaNational General
EastpointeGeico
Gaines charter townshipDairyland*
LivoniaThe General
West BloomfieldNational General
DelhiProgressive
IndependenceProgressive
ShelbyGeico
CommerceDairyland*
GeorgetownLiberty Mutual
Farmington HillsGeico
ChesterfieldGeico
Ann Arbor cityGeico
WestlandThe General
Plainfield charter townshipProgressive
Sterling HeightsLiberty Mutual
Madison HeightsLiberty Mutual
SouthgateThe General
Royal Oak cityProgressive
Dearborn HeightsDairyland*
TaylorGeico
NorthvilleProgressive
Flint cityFarmers
Bedford townshipProgressive
Bloomfield charter townshipProgressive
Van BurenLiberty Mutual
Holland cityProgressive
RosevilleGeico
Troy cityGeico
DearbornFarmers

Best Michigan Liability Insurance Rates with SR22

Does SR22 Insurance Cost a Lot?

People often panic when they find out they must carry an SR22. However, the monthly rates might not be as bad as you fear. Take a look at some liability-only rates we have found drivers in need of an SR22.

Just make sure you are following all Michigan insurance laws and regulations.

Auto Insurance CompanyAvg Liability Only with SR22 Cost
Mendota Ins. Company$90
Geico$92
USAA$101
Dairyland$106
The General$107
National General$109
GAINSCO$111
Progressive Insurance$113
Safeco$115
Acceptance RTR$117
AssuranceAmerica$117
American Family$121
State Farm$122
Travelers$125

Least Expensive Michigan Liability Insurance with DUIs, Accidents, and Violations

As mentioned above, an SR22 policy with liability insurance in Michigan might not be as costly as one thinks.

However, if you have multiple violations, points, at-fault accidents, etc…your insurance premiums will skyrocket. There is nothing the insurance agent can do to change your record. But over time, the violations will fall off, and your policy rates will decrease.

The following figures are some of the rates you can HOPE to get the best-case scenario if you have a bad driving history. The best way to get these rates is by asking your agent about liability-only insurance. Otherwise, your monthly rates could even be in the thousands.

Insurance CompanyLow End of Avg. Monthly Rates
Dairyland$147
Geico$155
Bristol West$156
Nationwide$162
National General$170
Acceptance RTR$172
GAINSCO$175
AssuranceAmerica$178
Mendota Ins. Company$188
Progressive Insurance$189
21st Century$190
The General$190
Farmers$194
State Farm$198

What You Might Pay for Michigan Liability Insurance

Insurance Cost Estimator


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Frequently Asked Questions about Michigan Liability Insurance

Q1: What is liability insurance, and why is it important in Michigan?

Liability insurance in Michigan provides coverage for damages you are legally responsible for in an accident. It’s essential because it helps protect you from financial liability, especially in no-fault insurance states like Michigan.

Q2: What are the minimum liability insurance requirements in Michigan?

In Michigan, the minimum liability insurance requirements typically include coverage for bodily injury liability of $50,000 per person and $100,000 per accident, as well as property damage liability of $10,000. However, it’s important to check with your insurance provider for the most up-to-date information.

Q3: Need assistance with your liability insurance in Michigan? Call us!

For personalized assistance with your liability insurance needs in Michigan or to discuss your specific requirements, please call us at 1.888.445.2793. Our team is here to help you with your liability insurance questions and provide tailored advice.

Edit Article Information

Here you can edit the information about Michigan Liability Insurance.

  • Michigan Liability Insurance provides financial protection in case of accidents or injuries for Michigan residents.
  • It is a legal requirement for all Michigan drivers to have liability insurance.
  • Minimum liability coverage includes Bodily Injury and Property Damage.
  • For more information or to get a quote, call us at 1.888.445.2793.

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