# 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.

- **State:** Michigan _(our reading, not quoted from the source)_
- **Bodily injury per person:** $50,000 _(verified: appears in the quote below)_
- **Bodily injury per accident:** $100,000 _(verified: appears in the quote below)_
- **Property damage per accident:** $10,000 _(verified: appears in the quote below)_
- **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.

## What the source says

> 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.

## Source

- https://www.michigan.gov/autoinsurance/choosing-coverage/choosing-bodily-injury-coverage

Last verified: 2026-08-10. Review by: 2027-02-06.
Part of [Minimum auto liability insurance limits by state](https://referencesource.org/auto-insurance-minimums/).