Cheapest Liability Car Insurance in Michigan (2025)

Michigan legally requires all drivers to carry a minimum amount of liability insurance. In particular, drivers need to carry personal injury protection, property protection, bodily injury, and property damage liability.1

Liability insurance doesn’t cover your expenses after an at-fault accident, so some drivers might want to carry more coverage.

Shopping around and comparing premiums from different insurance companies is the best way to find the cheapest liability insurance in Michigan.

Cheapest liability car insurance in Michigan

The average monthly insurance premium for liability-only coverage in Michigan is $142, and full coverage is $214 per month.

Several factors influence your rates, including your driving history, age, ZIP code, and the insurance limits you choose. Michigan is one of the few states that doesn’t allow insurers to use credit as a determining factor for premiums.

The table below shows the cheapest auto insurance rates for auto liability insurance in Michigan.

What does liability car insurance cover in Michigan?

When getting an auto insurance policy in Michigan, you’re required to carry a no-fault policy, which includes medical coverage for you and your passengers. Car insurance coverage requirements include:

These coverages are mostly limited to the damage you cause to others or their property and helping you receive compensation if you’re injured.

This is different from full coverage, which can include comprehensive and collision coverage. Collision insurance focuses on damage to your car when you run into an object, such as a tree or another car. Comprehensive insurance includes damage to your car based on other factors, such as weather, animal collisions, or theft.2

Pros and cons of having liability-only car insurance

How much liability coverage does Michigan require?

In Michigan, drivers need to carry personal injury protection, up to $1 million in property protection, and bodily injury and property damage liability in the following limits:3

• Up to $20,000 for a person hurt or killed in an accident

• Up to $40,000 for each accident if more than one person is affected

• Up to $10,000 for property damage in a state other than Michigan

You can buy additional coverage if you’re concerned about liability risks. If you cause damage that exceeds your policy liability limits, you could end up paying the rest out of pocket.

How to find cheap liability car insurance in Michigan

Here are some things you can do to get the cheapest liability car insurance rates in Michigan:

• Review your policy. Review your policy every six months to ensure you’re getting the best possible premium based on your situation.

• Ask about discounts. Shop for discounts, including those for insuring multiple cars, good grades for students, membership in certain organizations, and other opportunities.

• Bundle your policies. Bundle your home insurance or renters insurance with your auto policy to get a discount.

• Increase your deductible. Choose a higher deductible to get cheaper monthly premiums. But keep in mind this means you’ll have to pay more out of pocket if you need to file a claim.

• Compare rates. Shop around or use a website to compare rates from two to five insurance companies.

Additional car insurance coverages to consider in Michigan

Most insurance professionals recommend buying more than just your state’s minimum coverage amounts. This is because the minimum coverage might not be enough to cover all costs if there’s a serious accident, leaving you to pay more out of pocket.

Additionally, if you lease or finance your vehicle, your leasing company or lender usually requires you to carry full coverage to protect them from liability risks.

These are some other coverages to consider:

Liability car insurance in Michigan FAQs