Michigan minimum auto liability insurance
What is the bodily injury per person for Michigan minimum auto liability insurance?
For Michigan minimum auto liability insurance, bodily injury per person is $50,000; bodily injury per accident is $100,000; property damage per accident is $10,000, recorded from its source on 2026-08-10.
Drivers may have the option of purchasing other BI/PD coverage limits. However, the lowest limit they may purchase is: Up to $50,000 for a person who is hurt or killed in an accident. Up to $100,000 for each accident if several people are hurt or killed. Up to $10,000 for property damage in another state.
— michigan.gov, retrieved 2026-08-10
$50,000
The least your policy must pay for injuries to one person — the first number in shorthand like '25/50/25'. From the state's own statute or insurance department page, quoted on the record page.
- State
- Michigan our reading
- Bodily injury per person
- $50,000 verified
- Bodily injury per accident
- $100,000 verified
- Property damage per accident
- $10,000 verified
- Issuing authority
- Michigan Department of Insurance and Financial Services
- Notes
- $50,000/$100,000 is the lowest bodily-injury limit a driver may choose to purchase under Michigan's post-2020 no-fault reform; the new default (if a driver does not choose a lower limit) is $250,000 per person / $500,000 per accident. The $10,000 property-damage figure the source states applies specifically to property damage in another state -- in-state property damage in Michigan is handled through no-fault Property Protection Insurance (PPI), not a third-party liability limit.
Values marked our reading are our classification of what the source says — the source does not print them in those words. The quote below is the evidence for each one; judge it yourself.
Source
- michigan.govhttps://www.michigan.gov/autoinsurance/choosing-coverage/choosing-bodily-injury-coverage