Car insurance in Michigan (50/100/10)
- Minimum car insuranceMichigan policies default to bodily injury liability of $250,000/$500,000 and $10,000 for property damage in another state; drivers may choose limits as low as $50,000/$100,000/$10,000 by signing a form. Every policy must also include personal injury protection (PIP) and $1 million of property protection insurance (PPI) for damage your car does to property in Michigan; uninsured motorist coverage is optional. Source
- Fault systemMichigan is a no-fault state where your own PIP pays medical bills, but since the 2019 reform you choose a PIP medical level: unlimited, $500,000, $250,000 (with or without exclusions), $50,000 for Medicaid enrollees, or opting out if you have qualifying health coverage. Source
Business insurance rules in Michigan
- Workers’ compensationPrivate employers must carry workers' compensation if they employ three or more people at one time, or at least one person for 35 or more hours a week for 13 weeks or longer in the past 52 weeks. Michigan is not a monopolistic state; employers buy from private insurers or self-insure. Source
- Contractor licensingThe Department of Licensing and Regulatory Affairs (LARA) licenses residential builders and residential maintenance and alteration contractors for residential jobs of $600 or more; Michigan does not license commercial builders at the state level. Source
Home insurance in Michigan
- Home insurer of last resortSevere storms and flooding are the main risks; standard homeowners policies do not cover flood, and water backup or sump pump overflow usually needs added coverage. Source
Disasters, floods, hail, tornadoes and earthquakes in Michigan
| Measure | Michigan | Rank among the states | Detail |
|---|---|---|---|
| Federal major disaster declarations since 2000 | 13 | #44 of 51 | Most often for flood (6), severe storm (5), dam/levee break (1). Oakland County has been in 5 of them. |
| National Flood Insurance Program claims, 2005–2025 | 6,075 | #32 of 51 | $108.4 million paid; 31% of claims with a known flood zone were outside FEMA’s high-risk zones. |
| Homes in high-risk flood zones with a federal flood policy | 16% | #35 of 50 | 10,321 policies for 63,812 homes in the counties FEMA can measure; US: 40%. |
| Hail reports, 2016–2025 | 845 | #30 of 51 | 63 of them 2 inches or larger. Largest stone 4 inches, Luce County, June 2018. |
| Tornadoes, 2016–2025 | 138 | #27 of 51 | 8 rated EF2 or stronger; 1,152 recorded since 1950. |
| Earthquakes of magnitude 4.0+, 2000–2025 | 1 | #28 of 51 | Largest: magnitude 4.2, 5 km S of Galesburg, Michigan, May 2, 2015. |
From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.
Look up the storm history of any county in Michigan.
Worth knowing in Michigan
Michigan drivers must actively choose a PIP medical coverage level when buying or renewing a policy; if no valid choice is made, the policy is issued at the default level.
Michigan’s insurance regulator
Insurance in Michigan is regulated by the Michigan Department of Insurance and Financial Services (DIFS), which handles consumer complaints and licenses insurers and agents.
Sam Alishahi holds a nonresident insurance producer license in Michigan (NPN 21022298), so requests from Michigan are handled by him directly.
Common questions
What is the minimum car insurance in Michigan?
Michigan policies default to bodily injury liability of $250,000/$500,000 and $10,000 for property damage in another state; drivers may choose limits as low as $50,000/$100,000/$10,000 by signing a form. Every policy must also include personal injury protection (PIP) and $1 million of property protection insurance (PPI) for damage your car does to property in Michigan; uninsured motorist coverage is optional.
Is Michigan a no-fault state?
Michigan is a no-fault state where your own PIP pays medical bills, but since the 2019 reform you choose a PIP medical level: unlimited, $500,000, $250,000 (with or without exclusions), $50,000 for Medicaid enrollees, or opting out if you have qualifying health coverage.
Do employers in Michigan need workers’ comp?
Private employers must carry workers' compensation if they employ three or more people at one time, or at least one person for 35 or more hours a week for 13 weeks or longer in the past 52 weeks. Michigan is not a monopolistic state; employers buy from private insurers or self-insure.
What can a Michigan homeowner do if no insurer will write the house?
Severe storms and flooding are the main risks; standard homeowners policies do not cover flood, and water backup or sump pump overflow usually needs added coverage.
Sources
- Michigan: Minimum car insurance
- Michigan: Workers’ compensation
- Michigan: Home insurer of last resort
- Michigan: Contractor licensing
- Michigan: insurance regulator
General information as of October 2026, not legal advice; confirm current rules with the agency.