Michigan Auto Insurance

State Insurance Requirements

All registered or operated vehicle, because Michigan is considered a “No-Fault” state, are required to carry Personal Injury Protection (PIP).

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • Permanent Insurance Card
  • Policy Declaration Page
If a driver is involved in an accident and is not insured their license may be suspended, until court ordered damages(medical) are paid in full.
DMV Point System

This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained. After two years time, a traffic conviction loses its‘ point value for suspension purposes. However, it will stay on your permanent driving record and may effect your insurance rates.

Below are SOME EXAMPLES of violations and their corresponding point values:

Six Points:

  • Manslaughter, negligent homicide, or other felony involving use of a motor vehicle.
  • Operating under the influence of liquor or drugs.
  • Failing to stop and give identification at the scene of a crash.
  • Reckless driving.
  • Unlawful bodily alcohol content of 0.08 or more.
  • Refusal to take a chemical test.
  • Fleeing or eluding a police officer.

Four Points:

  • Drag racing.
  • Operating while visibly impaired.
  • Under age 21 with any bodily alcohol content.
  • 16 mph or more over the legal speed limit.
  • Failure to yield/show due caution for emergency vehicles.

Three Points:

  • Careless driving.
  • Disobeying a traffic signal or stop sign or improper passing.
  • 11 through 15 mph over the legal speed limit.
  • Failure to stop at railroad crossing.
  • Failure to stop for a school bus or for disobeying a school crossing guard.

Two Points:

  • 10 mph or less over the legal speed limit.
  • Open alcohol container in vehicle.
  • All other moving violations of traffic laws.
  • Refusal of Preliminary Breath Test (PBT) by anyone under age 21.
In the state of Michigan, if a driver accumulates 12 points within a period of 2 years their license will be suspended.

Below is a list of mandatory suspensions/revocations:

  • Altering or forging a vehicle document
  • Leaving the scene of an accident resulting in death or serious injury
  • Felony in which a motor vehicle was used
  • Fleeing and eluding
  • Reckless driving
  • Joyriding
  • Drunk driving
  • Uninsured motor vehicle
  • In addition, any drug charge in the state of Michigan will result in a 6 month suspension for first offenders, and any consecutive drug related conviction, within a 7 year period, will result in a 1 year suspension


AutoCricket.com is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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