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.
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:
Multi-vehicle
Youthful driver
Multi-policy
See a list of potential auto insurance discounts. Not all listed discounts are available in Michigan.
Drive safe and save with Signal
Signal by Farmers®
Earn rewards for safe driving with Signal, the mobile app that pays you in discounts.
View more coverage options in Michigan
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.
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