Insurance requirement guides for Michigan.
No single statutory minimum
MCL 500.3009 sets a default of 250/500 bodily injury liability and lets a driver elect down to 50/100 in writing. The minimum is a choice between tiers, not one figure.
How the dataset handles thisInsurance regulation
Registration and insurance verification
Michigan has no state law requiring boat insurance, but marina contracts on the Great Lakes and inland lakes commonly require liability cover, at a limit each marina sets. Learn what Michigan boaters actually need.
Michigan motorcycle liability must meet the same MCL 500.3009(1) limits as cars ($250,000/$500,000 bodily injury and $10,000 property damage), not the old 20/40/10. Motorcycles are still excluded from no-fault PIP. See what riders actually need.
Michigan is a no-fault state requiring 50/100/10 liability plus PIP coverage. Learn the unique no-fault rules, 2020 reform changes, and recommended coverage levels.
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Every guide on this page covers a Michigan requirement: what the law makes you carry, who it applies to, and what happens without it. The auto liability minimum above is read off the statute itself, and each Michigan guide on this site is checked against that same figure. The regulators linked above are where Michigan publishes the rules, so they are the place to confirm anything before you rely on it.
