Michigan’s Insurance Requirements

Michigan law requires no-fault insurance. Every registered car must be insured. Every car owner must buy basic coverage in order to get license plates. It is a misdemeanor to drive or let your car be driven without basic no-fault coverage.

If you are convicted of driving without basic no- fault insurance coverage, you may be fined up to $500, put in jail for up to one year, or both. You may also incur additional fines and costs pursuant to the 2003 Michigan’s Driver Responsibility Law. For details please go to www.mi.gov/driverresponsibility

If you are unable to produce proof of insurance when requested to do so by a law enforcement official, you may be found guilty of a civil infraction. The court may order your license suspended for at least 30 days or until you are able to provide such proof. You may have to prove you purchased a pre-paid non-cancelable insurance policy before you may renew your vehicle’s registration.

Information taken from: Department of Insurance and Financial Services

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