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Is Michigan an at-fault state?
I work for Ford, and they’re transferring me to their head office just outside of Detroit. I’m stoked about the move, but embarrassingly, I don’t know much about car insurance laws in the state. Is Michigan an at-fault state or a no-fault state?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Hopefully, you find lots to enjoy about living around Detroit! Michigan is not an at-fault state—it’s a no-fault state, and one of only 12 states in the country that follows this type of law.
To drive in Michigan, you’re legally required to have
personal injury protection coverage
, which pays for your own medical bills in an accident. This is in contrast to an at-fault state, where the at-fault party must compensate the other motorist for their medical bills.As a no-fault state, Michigan also requires property protection insurance, which covers you for up to $1 million in damages to other people’s property. The other minimum insurance requirements for the state include:
- $50,000 per person in personal injury protection coverage
- $100,000 per accident in personal injury protection coverage
- $10,000 per accident for personal property damage to a vehicle
If you’re making a checklist for things to do before you move, make sure to put
Michigan car insurance
on the list. To get the most affordable rates, download the Jerry
app today.Jerry is a
trustworthy super app
and insurance comparison tool that collects quotes from over 55 top-rated insurers in just 45 seconds. After you find a great rate, Jerry can help you buy new insurance and cancel your old policy. Users save an average of $800+ per year.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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