Yes. GEICO writes auto insurance policies in Michigan. Michigan is also a no-fault state, so what a Michigan policy actually includes looks different from most other states, regardless of which insurer sells it.
GEICO’s own Michigan page reflects those state-specific requirements rather than a generic nationwide policy, covering both what the no-fault system requires and the liability limits that apply on top of it.
Key Takeaways
- GEICO writes auto insurance policies in Michigan, and its Michigan page lists the state’s own coverage requirements rather than a generic nationwide default.
- Michigan requires no-fault Personal Injury Protection. Since a 2020 reform, drivers choose their PIP medical coverage level from several tiers instead of unlimited coverage being the only option.
- Michigan’s default bodily injury liability limit is $250,000 per person and $500,000 per accident. A lower $50,000/$100,000 tier is available only to drivers who complete the state’s required acknowledgment form.
- Michigan’s no-fault Property Protection Insurance pays up to $1 million for damage your car causes in the state; a separate, smaller liability limit applies if you cause property damage in another state.
GEICO Writes Policies in Michigan
GEICO’s Michigan auto insurance page confirms it sells coverage in the state and lists Michigan’s own minimum requirements rather than a nationwide default. That page states the same bodily injury and property damage minimums Michigan law sets, along with the PIP medical options described below.
Michigan’s No-Fault Coverage
Michigan requires no-fault auto insurance. According to the state’s Department of Insurance and Financial Services (DIFS), Personal Injury Protection (PIP) pays your medical expenses after a crash regardless of who caused it. GEICO’s own PIP coverage page lists Michigan among the states where it offers PIP, and says this coverage applies to the policyholder, resident relatives and, depending on the state, passengers.
No-fault coverage also includes Property Protection Insurance (PPI), which pays up to $1 million for damage your car does in Michigan to someone else’s property, such as a parked vehicle, building or fence. That’s separate from the liability property damage limit described below, which applies if you cause damage in another state.
Choosing Your PIP Medical Coverage Level
Since a 2020 reform, Michigan drivers can choose their own PIP medical coverage level rather than being limited to unlimited coverage only. DIFS lists six options:
| PIP Medical Option | Who Can Choose It |
|---|---|
| Unlimited | Default if no other option is selected |
| $500,000 per person, per accident | Any policyholder |
| $250,000 per person, per accident | Any policyholder |
| $250,000 with exclusions | Named insured or household members with qualifying non-Medicare health coverage for auto injuries |
| $50,000 | Named insured enrolled in Medicaid, with household members covered elsewhere |
| PIP medical opt-out | Named insured has Medicare Parts A and B, with household members covered elsewhere |
Picking a lower tier can reduce your premium, but it also reduces what’s available if you’re seriously hurt in a crash. Your eligibility for the lower tiers depends on the health coverage held by you and your household, so confirm the tradeoffs with GEICO directly before choosing one.
Bodily Injury Liability Limits in Michigan
Under Michigan Compiled Laws 500.3009, the default bodily injury liability limit is $250,000 per person and $500,000 per accident, with at least $10,000 in property damage liability. An eligible driver can instead choose a reduced $50,000-per-person, $100,000-per-accident limit, but only by completing the state’s required acknowledgment form; without it, the higher default applies automatically.
That $10,000 property damage figure is the liability minimum for damage you cause in another state, per DIFS. Within Michigan, the no-fault PPI described above is what typically applies instead.
Managing Your Cost in Michigan
Once you’ve settled on your no-fault and liability options, the usual ways to manage what you pay still apply. GEICO’s discounts reward things like a clean driving record or insuring more than one vehicle with GEICO.
Michigan drivers can also ask about completing an approved defensive driving or driver’s education course, and see our guide to what shapes GEICO’s car insurance costs for the fuller list of pricing factors.
To talk through your specific PIP and liability choices, GEICO’s phone number connects you with an agent. Check when GEICO’s phone lines are actually staffed before calling outside business hours.