Frequently Asked Questions

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Frequently Asked Questions

Can I keep the car insurance I have from my previous state of residence?
No, you are required to apply for car insurance in Michigan if that is the state in which you currently reside. When getting vehicle insurance, you must get the minimum insurance coverage, which include the following:
  • Property Protection (PPI)
  • Personal Injury Protection (PIP)
  • Residual Bodily Injury and Property Damage Liability (BI/PD)

For more information: Michigan Auto Insurance Get a Quote and Save

Do I need to cancel my insurance if I am moving to another state?
Yes, if you are currently planning to reside in a different state, you will need to get in touch with the DMV office of your new location. A drivers license agent will be able to provide you with further details of what must be done in order to obtain insurance coverage in that state. When visiting your local DMV office, have your drivers license on hand, as well as your car title.

For more information: Michigan Auto Insurance – Get a Quote and Save

How can I avoid a license suspension if I choose not to insure my vehicle?
If you are a resident of Michigan who no longer wishes to operate a motor vehicle, you can avoid a drivers license suspension by canceling your car registration and surrendering your license plates. You can fulfill these steps by visiting your local Department of State office with the aforementioned items. You will also need to present your most recent Michigan drivers license.

For more information: Michigan Auto Insurance – Get a Quote and Save

If I have been in an accident, what property damage do I have to report?
In the event that you have been involved in a car accident that resulted in property damage amounting to $1,000 or more, the crash must be reported. You must report your damage to a police officer that arrives on the scene. Make sure to have your MI car insurance and car registration available, as well as any other information you may be asked.

For more information: Michigan Auto Insurance – Get a Quote and Save

If I live outside of the state for half the year, am I still required to have car insurance?
You are required to obtain car insurance in the state you reside in and have your vehicle registered. If you are currently living in Michigan, you need to maintain the minimum required amounts of car insurance.

For more information: Michigan Auto Insurance – Get a Quote and Save

If I own multiple vehicles, am I required to have them all insured?
The state of Michigan requires all drivers to have no-fault car insurance, which covers injuries and damages in auto accidents regardless of who is at fault. Therefore, if you own multiple vehicles, all of them must have no-fault vehicle coverage. Many MI insurance companies offer discounts for insuring more than one vehicle on the same insurance policy. However, keep in mind that terms and benefits offered by insurance companies vary, so make sure to check with your car insurance provider first.

For more information: Michigan Auto Insurance – Get a Quote and Save

What is the minimum liability insurance coverage?
In Michigan, you are required to get these amounts of minimum coverage:

Residual Bodily Injury and Property Damage Liability (BI/PD) – $20,000 per person, $40,000 per accident and $10,000 for vehicle damage or property damage.

The Personal Injury Protection (PIP) covers “all reasonable and necessary medical expenses” related to a car accident. The Property Protection (PPI) covers damage that results up toone million dollars. You also have the option to get additional insurance for car coverage.

For more information: Michigan Auto Insurance – Get a Quote and Save

What proof of insurance can I provide when registering my car?
When registering your vehicle, you can present your insurance card as proof. You will also be required to show proof of car ownership and your current Michigan drivers license. You can submit all of these documents at your local Secretary of State office. If you have any questions regarding any other documentation, call your nearby MI SOS branch ahead of time.

For more information: Michigan Auto Insurance – Get a Quote and Save

What type of car insurance am I required to have?
The state of Michigan requires you to obtain these types of car insurance:
  • Property Protection (PPI)
  • Personal Injury Protection (PIP)
  • Residual Bodily Injury and Property Damage Liability (BI/PD)

Failure to maintain car insurance will result in severe penalties, including the suspension of your Michigan drivers license.

For more information: Michigan Auto Insurance Get a Quote and Save

What will happen if I fail to get or keep car insurance?
Failure to get car insurance in the state of Michigan may result in the suspension of your drivers license. A drivers license suspension comes with severe penalties and consequences that can include:
  • Possible jail time
  • Community service hours
  • High fines and fees
  • A long suspension period

In order to avoid an unpleasant situation, you are required to obtain the minimum insurance coverage in the state.

For more information: Michigan Auto Insurance – Get a Quote and Save

Which types of vehicles need to be insured?
The majority of vehicles are required to have insurance in Michigan. Some of these include but are not limited to the following:
  • Passenger vehicles
  • Motorcycles
  • Vans
  • Trucks

The state of Michigan makes it mandatory for drivers to obtain Property Protection (PPI), Personal Injury Protection (PIP) and Residual Bodily Injury and Property Damage Liability (BI/PD).

For more information: Michigan Auto Insurance Get a Quote and Save