Skip to main content
Michigan Farm Bureau Family of Companies

Michigan's No-Fault Insurance: Mandatory Coverages Explained

All Michigan drivers are required to have certain mandatory coverages under the state's No-Fault Insurance law.
Date Posted: June 1, 2021

No-Fault Insurance Explained 

Michigan's No-Fault law became effective on October 1, 1973. It was created by state lawmakers to: 

  • Limit lawsuits so benefits could be paid quickly. 
  • Assure people injured in auto accidents are compensated, quickly and equitably, for medical costs and lost income.

All drivers in Michigan are required, under the No-Fault Insurance law, to have the following mandatory insurance coverages: 



Additional Information & Optional Coverages

Have questions about your insurance needs?

Contact an agent today! One of our trusted advisors will help you find a policy that’s right for you.  

Insurance Questions Commonly Asked by New Drivers

Farm Bureau Insurance answers common questions new and experienced drivers have about their auto insurance.

Common Driver Distractions and How to Best Avoid Them

Whether you're driving or a passenger, it's always important to stay focused on the road ahead. If something might distract you, it's best to avoid…

Insurance Scores: What Are They and How Are They Used?

Insurance scores are determined by someone's credit report and insurance history. Eligibility for some discounts are based on an insurance score.