Commercial auto insurance in Michigan
Michigan businesses that own or operate vehicles — work trucks, vans, delivery vehicles, or a fleet — generally need commercial auto insurance, since a personal auto policy typically excludes business use. A commercial auto policy is generally intended to respond to liability, and optional physical damage, when a covered vehicle is in an accident.
Michigan requirements to know
State financial-responsibility minimum
Michigan, a no-fault state, requires residual liability of 50/100/10 — $50,000 bodily injury per person, $100,000 per accident, and $10,000 property damage (out of state) — plus no-fault PIP (tiered, $50,000 minimum) and $1,000,000 Property Protection (PPI). This is a floor; heavier vehicles, for-hire operations, and many contracts require more.
Heavier and for-hire vehicles
Trucks above certain weights and for-hire vehicles commonly need higher limits set by the state or by the entity hiring you, and a $1,000,000 combined single limit is a frequent contract requirement.
Interstate carriers (FMCSA)
If you cross state lines for hire, federal motor-carrier minimums apply — often $750,000 for general freight, and higher for certain cargo or passenger operations.
Who needs it in Michigan
Automotive manufacturing and suppliers, logistics and freight, construction, and agriculture across Detroit, Grand Rapids, and Lansing are common Michigan commercial-auto users.
Tell us your fleet, drivers, and how the vehicles are used, and we’ll route you to a carrier that fits. Limits and eligibility may vary by vehicle, use, and records — confirm your exact requirement before relying on a minimum.
New to the coverage parts (liability, physical damage, hired & non-owned auto, motor-truck cargo)? See the full breakdown on our commercial auto insurance guide. Michigan minimums are a floor — required limits and pricing are set by the carrier and vary by vehicle, use, and driving records.
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