If your home is in Detroit, Topinabee or anywhere in between, SafeAuto wants to help you find the cheapest auto insurance in your area. While SafeAuto does not currently offer direct coverage in Michigan, we can still help you find the affordable coverage you need to meet state minimum coverage requirements.

Required Coverages

Michigan’s Financial Responsibility law requires you to maintain liability limits of at least

  • $20,000 because of bodily injury to or death of one person in any one accident
  • $40,000 because of bodily injury to or death of two or more persons in any one accident, subject to the $20,000 per person limit
  • $10,000 because of injury to or destruction of property of others in an accident

Such coverage is often written as 20/40/10 or 20,000/40,000/10,000

Proof of Financial Responsibility & Penalties

Under  Michigan law, you are required to provide documentary proof of Financial Responsibility when registering your vehicle or at the request of law enforcement officials.

If you are unable to produce proof of liability coverage when requested, the penalties can be harsh, including fines of up to $500 and imprisonment for up to one year.

In addition to statutory penalties, if you cannot show proof of financial responsibility, fail to pay a judgment entered against you for damages resulting from an automobile accident, or need to reinstate your license after conviction for certain types of violations, you will be required to obtain an SR-22 Certificate of Financial Responsibility.


Related Links:
Michigan Secretary of State

If you have any further auto insurance questions please visit the FAQ page or contact the SafeAuto Customer Service Department at CSD@safeauto.com.