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.
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.
