Auto Insurance by State

Michigan Auto Insurance for Educators

If you’re shopping for car insurance in Michigan, we’ve got you covered. Michigan is our home, too, and we’ve been helping educators here save on auto insurance for more than 70 years. Our members enjoy savings of up to 35% and auto insurance discounts developed specifically for faculty, administrators and staff.

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Essential Michigan Auto Insurance Information

As of July 2, 2020 Michigan drivers are able to select their preferred level of PIP Allowable Expenses ("PIP AE"), the coverage that pays for medical coverage if you are injured in an auto accident. Based on your eligibility and individual needs, you'll be able to select from the coverage options available or you may be able to waive PIP AE coverage altogether.

Here is a summary of PIP options under Michigan's new auto insurance law:

OPTIONS AVAILABLE TO EVERYONE

• Unlimited¹: This is the level you have right now. (10% average savings)
• $500,000 limit (20% average savings)
• $250,000 limit (35% average savings)

OPTIONS AVAILABLE TO ELIGIBLE INDIVIDUALS WIT QUALIFIED HEALTH COVERAGE (QHC), MEDICAID OR MEDICARE

• $250,000 limit with PIP AE exclusion (100% average savings)
• $50,000 limit - Medicaid only (45% average PIP Premium savings)
• Allowable Expense Opt-out - Medicare Only (up to 100% average savings)

Remember, these options are only for PIP AE, which is just one of the coverages in your auto policy. You can also make changes to your other coverages, such as Bodily Injury and Collision.

Because Michigan's new auto insurance program will no longer be purely no-fault, it is more important than ever to have adequate Bodily Injury (BI) coverage. This coverage addresses liabilities paid by the driver at fault when an accident causes serious injuries/death. Premiums are expected to rise for this coverage as minimums are increasing, and many policyholders will increase that coverage.

• The BI minimum limits are increasing from $20,000/$40,000 to $50,000/$100,000
• A new default BI coverage is established at $250,000/$500,000

Are you ready for reform?

On July 2, 2020 many aspects of auto insurance changed as part of Michigan's new auto insurance reform law. Meemic can help you make informed decisions! Learn more about reform

Get Started with an Auto Insurance Quote

Ready to find out which auto insurance discounts are available to you? Get started with an auto insurance quote today or contact a local Meemic agent. Your agent can help you find the coverage that’s just right for you.