Car Insurance for Seniors in Michigan

Covers injuries you cause to others in an at-fault crash. Michigan's minimum of 50/100 is higher than many states, but senior drivers who own homes or have retirement assets should consider 100/300 or 250/500 limits to protect those assets from lawsuits. In Michigan's no-fault system, this coverage primarily applies to out-of-state accidents or injuries to pedestrians and cyclists.

Covers damage you cause to another vehicle or property.

Covers your medical expenses, lost wages, and rehabilitation costs regardless of fault. This 2020 reform specifically benefits senior drivers on fixed incomes who previously had no choice but unlimited coverage.

Covers you when hit by a driver with no insurance or insufficient coverage. Because Michigan's no-fault system limits when you can sue another driver, UM/UIM becomes your primary protection against uninsured motorists.

Comprehensive covers non-collision damage (theft, weather, deer strikes), while collision covers crash damage to your vehicle. Michigan ranks in the top 10 states for deer-vehicle collisions, with peak risk October–December in rural counties.