Michigan Auto Insurance Calculator
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How to Determine How Much Car Insurance You Need in Michigan
Michigan is a unique state for auto insurance due to our No-Fault laws and PIP choices. Understanding what coverage levels to select can save you thousands of dollars in the event of an accident, or save you money on premiums if you're safely able to reduce coverage.
Understanding Liability Insurance (Bodily Injury)
Michigan's default bodily injury liability limit is $250,000 per person and $500,000 per accident ($250k/$500k). While you can sign a form to reduce this to $50k/$100k, we strongly advise against it. If you cause a severe accident and the other party's medical bills exceed their PIP coverage, they can sue you for the difference. If you own a home or have savings, $50k in coverage can be wiped out in a single day in court.
Comprehensive vs. Collision
- Collision: Covers your car if you hit another vehicle or object (like a tree or fence).
- Comprehensive: Covers damage to your car not caused by a crash—like deer hits (very common in Michigan), theft, vandalism, hail, or fire.
If you have an older car worth less than $3,000, you might consider dropping collision and comprehensive to save money. But if you rely on that car to get to work and couldn't afford to buy a replacement tomorrow, keep full coverage.
Frequently Asked Questions
What is PLPD?
PLPD stands for Personal Liability and Property Damage. It's often used interchangeably with "liability only" coverage. It means your insurance will cover the damage you do to others, but it will not fix your car if you cause an accident.
Do I need uninsured motorist coverage in Michigan?
Yes. Roughly 20% of drivers on Michigan roads are completely uninsured. Uninsured Motorist coverage pays for your pain, suffering, and excess wage loss if you are hit by an at-fault uninsured driver.
How does my deductible affect my premium?
The higher your deductible (what you pay out of pocket before insurance kicks in), the lower your monthly premium. Raising a deductible from $500 to $1,000 is a common way to lower your bill, provided you have $1,000 in emergency savings.
Does my auto insurance cover rental cars?
Usually, your physical damage coverages (comp/collision) extend to a rental car. However, if you cause an accident, the rental company can charge you for "loss of use" while the car is repaired. Check your specific policy or ask your agent.