Michigan Auto Coverages
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Find the Right Michigan Auto Insurance Coverage for Your Needs

Feel secure knowing you have an insurance provider you can rely on. With Nationwide, it’s easy to customize your policy with affordable options for Michigan auto insurance.

Michigan car insurance coverage your policy must have

Liability coverage

As a resident of Michigan, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.

  • Property damage safeguards your assets if you are found legally responsible for a covered accident. It covers certain damage you may cause to the property or vehicle of another party.
  • Bodily injury safeguards your assets if you’re found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other parties.

The minimum amount of Michigan car insurance coverage is $20,000/$40,000/$10,000. In the event of a covered accident, your limits for bodily injury are $20,000 per person, with a total maximum of $40,000 per incident. It also covers up to $10,000 for damage to another person’s property.

Liability coverage also provides for your legal defense if a lawsuit is brought against you as a result of a covered accident.

Property protection insurance

This coverage pays up to $1 million for damage your car does in Michigan to other people’s property, such as building and fences. It will also pay for damage your car does to other people’s properly parked vehicles.

Personal injury protection (PIP)

Reimburses a portion of wage loss, medical expenses and essential services incurred as a result of an accident to eligible injured parties (i.e. passengers or pedestrians).

Michigan auto insurance coverage that’s smart to have

It’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road:

Comprehensive

This type of Michigan auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents (subject to deductible). Such incidents include theft, fire, vandalism, glass breakage, and contact with animals.

Collision

Covers damage to your vehicle resulting from a collision with another vehicle or object (subject to deductible). 

  • Broad collision covers damage to your vehicle resulting from collision with another vehicle or object, after you pay your deductible. If the driver of your insured vehicle was not substantially at-fault or parked in such a way to have caused an unreasonable risk of loss, the deductible amount will not be subtracted.
  • Limited collision coverage only applies if the driver of your insured vehicle was not substantially at fault.

Uninsured/underinsured motorist

Protects you in the event of an accident where the other party is at-fault and either doesn’t carry insurance or is underinsured.

  • Bodily injury helps pay for damages due to bodily injury that you and other passengers of your vehicle are legally entitled to from another driver who is not insured or is underinsured.

Tailor your policy with these options

Accident Forgiveness

With this optional coverage, Nationwide will not raise your auto insurance rates following your first at-fault automobile accident. Learn more about Accident Forgiveness.

Roadside Assistance

Nationwide Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. Get covered for fuel delivery, lockout service, jump-starts and more.

Loss of use/rental car expense

If you can’t drive your car due to a covered loss, this coverage helps pay for a rental car or other transportation expenses so you can get back on the road.