Who regulates auto insurance in Michigan?

The Michigan Department of Insurance and Financial Services (DIFS) licenses carriers and agents and enforces Michigan's no-fault auto insurance laws. Visit michigan.gov/difs for consumer resources.

What changed in Michigan's auto insurance in 2020?

The 2020 Michigan no-fault reform eliminated the mandatory unlimited PIP requirement and replaced it with tiered PIP options. This significantly reduced premiums for many drivers who opted for lower PIP tiers.

What are Michigan's PIP coverage tiers?

Michigan's 2020 reform created six PIP options ranging from unlimited coverage to opting out entirely (for Medicare recipients and some others). Evaluate each tier carefully — lower limits reduce premium but may be inadequate for serious injuries.

Is Michigan a no-fault state?

Yes — Michigan is a no-fault state. Your own insurer covers medical expenses through PIP regardless of fault. Michigan still has a threshold for suing for pain and suffering.

How do I compare auto insurance in Michigan after the 2020 reform?

Compare quotes from multiple carriers for the same PIP tier. Use DIFS's consumer tools at michigan.gov/difs. The NAIC at naic.org has complaint ratio data to compare carriers on claims quality.

Car Insurance in Michigan

Michigan historically had the most expensive auto insurance in the US due to its unlimited PIP mandate. The 2020 no-fault reform introduced PIP coverage tiers, allowing drivers to choose their PIP level and potentially significantly reduce premiums.

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