Michigan
- ~$90–$110
- ~$220–$270
- $50K/$100K/$10K
Michigan has some of the highest auto insurance rates in the nation, largely due to its unique no-fault insurance system with unlimited personal injury protection (PIP) benefits. Urban centers like Detroit see high accident rates, while state reforms are gradually impacting premium costs.
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Michigan Auto Insurance Facts *
Drivers
- ~7.3–7.5 million licensed drivers as of 2023.
- Vehicle ownership is high with about 89% of households owning at least one vehicle.
- Predominantly sedans and SUVs.
- Uninsured motorist rate near 10%.
- Heavy urban traffic and extensive highway use.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~110,000 | ~31,500 | 890 |
| 2019 | ~112,400 | ~32,200 | 905 |
| 2020 | ~95,700 | ~27,100 | 875 |
| 2021 | ~105,300 | ~29,800 | 910 |
| 2022 | ~107,500 | ~30,200 | 920 |
Laws & Regulations
- No-fault insurance with mandatory unlimited PIP.
- Mandatory bodily injury liability coverage.
- Reform laws introduced to reduce PIP costs.
