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Michigan Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Michigan. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Michigan.

MI Auto Insurance Laws and Regulations:

Michigan Department of Auto Insurance
P.O. Box 30220
Lansing, MI 48909

Minimum Car Insurance Coverage in MI:

$20,000 for injury/death to one person

$40,000 for injury to more than one person

$10,000 for damage to property

MI Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


MI Uninsured Penalties:

You must always have proof of insurance with you when you drive your vehicle. If you're stopped and you can't present your certificate to a law enforcement officer, your license could be suspended. Keep proof of insurance in the glove compartment of every car you own.

Driving without auto insurance is cause for penalties of $200 to $500 fees and can include time in prison.


MI Department of Insurance Contact Information:

1-517-373-0220 or
Toll Free: 1-877-999-6442

MI State Insurance Department Website:





Directory of Michigan Auto Insurance Agents by County

Alcona
Alger
Allegan
Alpena
Antrim
Arenac
Baraga
Barry
Bay
Benzie
Berrien
Branch
Calhoun
Cass
Charlevoix
Cheboygan
Chippewa
Clare
Clinton
Crawford
Delta
Dickinson
Eaton
Emmet
Genesee
Gladwin
Gogebic
Grand Traverse
Gratiot
Hillsdale
Houghton
Huron
Ingham
Ionia
Iosco
Iron
Isabella
Jackson
Kalamazoo
Kalkaska
Kent
Keweenaw
Lake
Lapeer
Leelanau
Lenawee
Livingston
Luce
Mackinac
Macomb
Manistee
Marquette
Mason
Mecosta
Menominee
Midland
Missaukee
Monroe
Montcalm
Montmorency
Muskegon
Newaygo
Oakland
Oceana
Ogemaw
Ontonagon
Osceola
Oscoda
Otsego
Ottawa
Presque Isle
Roscommon
Saginaw
Saint Clair
Saint Joseph
Sanilac
Schoolcraft
Shiawassee
Tuscola
Van Buren
Washtenaw
Wayne
Wexford

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