How much does PLPD insurance cost in Michigan?

Michigan PLPD insurance is the same as carrying the minimum requirements for car insurance, which has a coverage limit of 20/40/10. Our article will help you learn more about PLPD insurance cost in Michigan and its requirements.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: May 24, 2022

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Here's What You Need to Know

  • Michigan is known to carry the most expensive car insurance rates in the United States.
  • PLPD insurance is the same as liability coverage.
  • The minimum requirements for auto insurance are different in each state.
  • Michigan motorists aren’t required to have Personal Injury Protection attached to their PLPD insurance coverage.

Michigan PLPD insurance has a lower coverage limit than most states in the U.S. Since the coverage limits are so low, how much does PLPD insurance cost in Michigan?

PLPD insurance cost depends on the company, the location, and several factors that determine car insurance. Follow us through this guide to learn how much Michigan car insurance costs.

You can find cheap PLPD auto insurance in Michigan by doing a quick comparison shopping. But if you want to skip instant PLPD insurance quotes, for now, continue reading to learn more about PLPD insurance requirements.

How much does PLPD insurance cost in Michigan?

PLPD insurance cost varies by company. So how much is PLPD insurance in Michigan? Before we continue, let’s look at the average annual rates for PLPD insurance costs from the top car insurance companies in Michigan.

Michigan Average Car Insurance Annual Rates By Coverage Level
CompaniesAverage Annual Rates with Low CoverageAverage Annual Rates with Medium CoverageAverage Annual Rates with High Coverage
State Farm$11,845.05$12,560.38$13,040.02
Liberty Mutual$19,452.55$19,868.02$20,418.71
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Each column shows annual PLPD insurance rates based on coverage level. USAA has the cheapest PLPD auto insurance in Michigan, but USAA is only available to members of the U.S. Armed Forces. The second cheapest PLPD insurance in Michigan is Progressive PLPD insurance.

PLPD vs. Full Coverage Cost

What does PLPD mean in insurance? PLPD insurance, or Personal Liability and Property Damage insurance, is another way of saying liability car insurance.

Liability coverage is made up of bodily injury liability and property damage liability.

Full coverage insurance is made of liability, collision, and comprehensive coverage.  Collision insurance coverage is designed to provide car insurance customers with property damage coverage regardless of who is at fault. Meanwhile, comprehensive car insurance provides compensation for accidents that don’t involve a collision, such as a fire, flood, vehicle theft, or other types of unforeseen accidents.

The average monthly liability coverage rate in Michigan is $68 per month, while the average monthly full coverage rate is $116 per month.

What are the PLPD insurance requirements in Michigan?

The low coverage level has a PLPD coverage limit of 20/40/10. According to the Michigan Department of Insurance and Financial Services, the 20/40/10 coverage means $20,000 for bodily injury of one person per accident, $40,000 for bodily injury of multiple people per accident, and $10,000 for property damage.

Your Michigan insurance company can offer higher coverage levels, but your premium will be more expensive. Standard medium coverage level limits are 50/100/50, while high coverage limits can be 100/300/100. Some companies offer coverage limits in the $500,000s.

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Who has the cheapest car insurance in Michigan?

We saw the average annual rates based on coverage level, now let’s find the cheapest car insurance in Michigan based on the average annual rates.

Michigan Average Annual Car Insurance Rates By Company
CompaniesAverage Annual Car Insurance RatesAverage Annual Rates Compared to State Average ($)Average Annual Rates Compared to State Average (%)
State Farm$12,481.81$2,055.0516.46%
Liberty Mutual$19,913.09$9,486.3347.64%
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Progressive and USAA have the cheapest car insurance rates. If you think they’re too expensive, you can try other companies like MetLife car insurance in Michigan. You can find cheap PLPD car insurance in Michigan by comparison shopping for rates.

Is Michigan getting rid of no-fault insurance?

Michigan car insurance laws have been reformed over the past year. According to the Michigan Department of Insurance, as of July 1, 2020, drivers can skip Personal Injury Protection (PIP).

Before July 2020, Michigan motorists enrolled in PIP as part of the minimum requirements for car insurance. Uninsured/underinsured motorist coverage is not required but is highly recommended.

Michigan PLPD Insurance: The Bottom Line

The cost of insurance in Michigan can be expensive. With the right discounts, you can save hundreds of dollars on car insurance. Although you can opt out of PIP, we recommended that you add it to your policy anyway. Opting out can make your policy cheaper, but it’s better to invest in PIP just in case.

Also, think about adding uninsured/underinsured motorist coverage. This will prevent any surprises if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough on their coverage limits. Companies in Michigan are generally more expensive than in the surrounding states. Ask about available discounts to cut the price of car insurance to more affordable rates.

Now that you know what the PLPD insurance Michigan cost is, you are ready to make your decision. You can start looking for cheap PLPD insurance in Michigan right away. Find which Michigan PLPD car insurance company is for you.

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