Michigan Auto Insurance regulations:

Michigan is a no fault state, each driver must carry two no-fault policies. Drivers are required to carry personal injury protection and property protection insurance. These coverages are in addition to standard liability coverage. The property protection coverage pays for property damage you cause in Michigan up to the sum of one million dollars.

Rates are determined by the driving habits of the drivers within a state. The state's liability minimums requirements are 20/40/10. That is $20,000 per individual for bodily injuries you cause to the other persons, and up to $40,000 for all, and $10,000 for damage you cause to the other party's personal property. Michigan determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums.