Liability Car Insurance in Michigan
Numbers refreshed
Michigan's cheapest legal policy: the price and what it leaves out.
- $69.on average each month for liability.
- 50/100/10.the minimum liability limits.
- 11th of 51.ranked among the costliest states (1st = highest).
What does liability cost in Michigan?
In Michigan, liability-only car insurance averages $831 a year, or about $69 a month. For liability, Michigan is the 16th most expensive state.
| Coverage in Michigan | Per year | Per month |
|---|---|---|
| Liability | $831 | $69 |
| Collision | $658 | $55 |
| Comprehensive | $303 | $25 |
| Full coverage (all three) | $1,791 | $149 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
What will you still pay with the minimum?
Michigan's minimum liability limits are 50/100/10. Each injured person is covered for $50,000, everyone hurt in a single crash for $100,000, and damage to other people's property for $10,000.
Liability insurance pays out to the other people. You pay for repairs to your own car unless you add collision coverage.
Any amount above your limits after a crash can be claimed from you. Raising your limits usually costs far less than the extra protection you get.
First written