Michigan Auto Insurance Quotes by Phone

Michigan’s no-fault insurance system gives drivers several important coverage decisions to make. Insure Auto Quotes helps Michigan drivers begin a phone-based quote search based on their vehicle, budget, location, and coverage needs. Call to connect with a licensed insurance professional and discuss available options.

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Insure Auto Quotes is not an insurance company and does not issue policies or set final rates.

Michigan Auto Insurance Requirements

Michigan law generally requires owners of registered vehicles to maintain no-fault auto insurance. A Michigan no-fault policy includes personal injury protection, property protection insurance, and residual bodily injury and property damage liability coverage.

$250,000

Default bodily injury liability limit for one person injured or killed in an accident

$500,000

Default bodily injury liability limit when multiple people are injured or killed in one accident

$10,000

Property damage liability for damage caused outside Michigan

Michigan drivers may select different bodily injury liability limits. The lowest available selection is generally $50,000 for one person and $100,000 for each accident involving multiple injured people, along with $10,000 for property damage outside Michigan.

These liability amounts are only one part of Michigan’s required no-fault coverage. Policies also include property protection insurance, commonly called PPI, which provides up to $1 million for covered damage a vehicle causes in Michigan to other people’s property, including buildings, fences, and properly parked vehicles.

Michigan drivers must also make a personal injury protection medical selection. Available PIP medical choices range from unlimited coverage to limited coverage or an eligible opt-out, depending on the driver’s health coverage, Medicare or Medicaid status, and household circumstances.

For current requirements and coverage-selection information, review the Michigan Department of Insurance and Financial Services Choosing Coverage resources.

Michigan Auto Insurance Coverage Options

Call to begin your Michigan auto insurance quote search and review available options with no obligation.

Personal Injury Protection Medical Coverage

Michigan drivers have six PIP medical coverage selections: unlimited coverage, $500,000, $250,000, $250,000 with eligible exclusions, $50,000 for qualifying Medicaid households, and an eligible opt-out for certain Medicare participants.

Property Protection Insurance

Required property protection insurance may pay up to $1 million for covered damage a vehicle causes in Michigan to another person’s property, such as a building, fence, or properly parked vehicle. PPI does not generally pay to repair the insured driver’s own moving vehicle after a collision.

Collision Coverage

Collision coverage may help pay to repair or replace the insured vehicle following a covered crash. Michigan offers limited, standard, and broad-form collision coverage. How fault and the selected deductible affect a claim can differ between the three forms, so drivers should compare the details carefully.

Comprehensive Coverage

Comprehensive coverage may help protect an insured vehicle from covered non-collision losses involving theft, vandalism, fire, flood, falling objects, severe weather, or contact with an animal. Michigan drivers may want to ask how comprehensive coverage applies to deer collisions and winter-related vehicle damage. Michigan State Police reported 58,271 deer-involved crashes during 2025, while snow, sleet, ice, and freezing temperatures regularly affect winter driving conditions across the state.

What Affects Michigan Car Insurance Rates?

Michigan auto insurance quotes can vary because insurers use different rating and underwriting methods. The selected PIP medical level, bodily injury limits, physical-damage coverage, vehicle information, and driver history can all affect the final quote.

Common Factors Insurers May Consider

  • Driving record and claims history
  • Location and vehicle storage
  • Driver age and experience
  • Vehicle type and repair costs
  • Selected PIP medical coverage and bodily injury liability limits
  • Mileage and vehicle use
  • Selected deductibles and discounts for which the policy may qualify

Michigan law prohibits insurers from using certain non-driving factors—including sex, marital status, homeownership, credit score, educational level, occupation, and ZIP code—to establish auto insurance rates.

Insurers may still evaluate permitted information differently, which is why Michigan drivers can receive different premiums and coverage terms for similar requests. Compare the price along with the PIP selection, liability limits, collision type, deductibles, exclusions, discounts, and payment terms.

Car traveling on a Michigan road near the Mackinac Bridge

How to Compare Michigan Auto Insurance Quotes by Phone

Michigan policies involve several coverage decisions, so comparing by phone gives drivers an opportunity to ask about no-fault coverage, PIP medical selections, bodily injury limits, collision options, deductibles, and available discounts.

1. Share Your Information

Have information ready about the drivers, vehicles, garaging location, annual mileage, current insurance, driving history, health coverage, and desired protection.

2. Discuss Michigan Insurance

Ask about Michigan’s required no-fault coverage, available PIP medical selections, bodily injury limits, collision forms, comprehensive coverage, deductibles, and possible discounts.

3. Review the Details

Review the quoted premium, policy term, PIP medical selection, liability limits, collision type, deductibles, exclusions, payment options, and proposed coverage start date.

Frequently Asked Questions About Michigan Car Insurance

Michigan generally requires registered vehicle owners to maintain no-fault insurance that includes personal injury protection, property protection insurance, and residual bodily injury and property damage liability coverage.

Michigan’s default bodily injury liability selection is $250,000 for one injured or deceased person and $500,000 for an accident involving multiple injured people. Drivers may select other available limits, but the lowest selection is generally $50,000 per person and $100,000 per accident. Policies also include $10,000 for property damage caused outside Michigan.

Michigan offers unlimited PIP medical coverage, $500,000, $250,000, $250,000 with eligible exclusions, $50,000 for qualifying Medicaid households, and an eligible opt-out for certain Medicare participants. Unlimited coverage applies by default when a selection is not made.

Required no-fault coverage does not generally pay to repair the insured driver’s moving vehicle after a collision. Drivers normally need an applicable form of collision coverage for covered crash damage and comprehensive coverage for covered non-collision losses.

Insurers may use different rating methods, discounts, eligibility requirements, and underwriting standards. The selected PIP medical level, liability limits, vehicle, driving history, mileage, collision type, deductibles, and optional coverage may all affect a quote.

Yes. Calling allows Michigan drivers to provide relevant information, ask questions about the state’s no-fault system, and discuss available PIP, liability, collision, comprehensive, and deductible options with a licensed insurance professional.

Have a general question? Visit our car insurance FAQ page for more information about coverage, quotes, and the calling process.

Looking for information about another location? Browse our auto insurance guides by state.

Ready to Start Your Auto Insurance Quote Search?

Start your auto insurance quote by calling to connect with a licensed insurance professional.

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