Michigan Car Insurance

So much has changed about how and where we drive — self-driving cars, remote work, ridesharing. Now might be a good time to rethink your car insurance coverage. The Farmers FlexSM Personal Auto policy now offers new coverage options designed for how you drive today, so you can choose the insurance you want. New discounts can help you save even more.

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Michigan auto insurance minimum coverage requirements

Below are the required auto coverage amounts in Michigan. Keep in mind that these are state minimums, not the actual amounts you may want. Your local Farmers agent can help as you select the coverage you want for your needs.

COVERAGE TYPE

MICHIGAN REQUIREMENTS

Bodily injury

$20,000 per person; $40,000 per accident

Property damage

$10,000 per accident

Uninsured motorist bodily injury

$20,000 per person; $40,000 per accident

Property protection

$1 million per accident

Personal injury protection

Unlimited

COVERAGE TYPE

Bodily injury

MICHIGAN REQUIREMENTS

$20,000 per person; $40,000 per accident

COVERAGE TYPE

Property damage

MICHIGAN REQUIREMENTS

$10,000 per accident

COVERAGE TYPE

Uninsured motorist bodily injury

MICHIGAN REQUIREMENTS

$20,000 per person; $40,000 per accident

COVERAGE TYPE

Property protection

MICHIGAN REQUIREMENTS

$1 million per accident

COVERAGE TYPE

Personal injury protection

MICHIGAN REQUIREMENTS

Unlimited

Michigan auto insurance discounts

Farmers offers a variety of discounts for our car insurance customers based in Michigan. For example:

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Multi-vehicle

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Youthful driver

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Multi-policy

See a list of potential auto insurance discounts. Not all listed discounts are available in Michigan.

Drive safe and save with Signal

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Signal by Farmers®

Earn rewards for safe driving with Signal, the mobile app that pays you in discounts.

Learn more about Signal

View more coverage options in Michigan

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Home insurance

Your home is an investment, and you want to protect it like that. Learn more about our Home insurance offerings to help you build the policy that works best for your life style.

View home coverage details for Michigan

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