Mandatory, Minimum & Optional Liability Insurance in Michigan
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Michigan Insurance Law FAQ’s & Requirements
Don’t underestimate the importance of being informed of the minimum requirements in Michigan for your auto insurance coverage. You’ll want to know the Michigan laws before you sign a contract with any car insurance company. You need to know what the minimum requirements are and you also need to know what insurance coverages are optional in order to decide which ones are the best choice for your particular budget and needs. The following will help you understand more about Michigan’s liability insurance laws, helping you choose the best Michigan insurance policy for you.
What is Michigan’s required minimum insurance coverage?
Each state has different laws government the types and minimum amounts of liability insurance required for registered vehicles. Go to our Michigan Auto Insurance Page to learn the up-to-date minimum liability insurance requirements and the types of insurance that are required.
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What are some of the optional auto insurance coverages I can buy?
Not every state requires the same types of coverage. While some types of auto insurance are not required to be purchased by policyholders, every licensed insurers is required to offer specific types of insurance. Visit our Michigan optional coverage section to learn about some optional coverage you may want to purchase in Michigan to cover your assets.
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What are insurance companies not allowed to do?
Michigan has a clear set of laws that regulates how an insurance company may conduct business in the state. Every insurer is required to offer you an insurance policy and they must be competitive rates. You should contact DELEG if you are told:
- That it does not write policy for your area of Michigan.
- They are not currently taking new customers.
- They do not have an agent in your area.
- They will only write your auto insurance if you insure your home with them
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