What Are Michigan's Commercial Vehicle Insurance Requirements?

Every registered commercial vehicle needs no-fault coverage: PIP, property protection insurance and residual liability of at least $50,000/$100,000. Intrastate for-hire carriers also need Michigan State Police authority with a Form E, typically at $750,000 for trucks over 10,000 pounds.

Do You Need Insurance On A Trailer In Michigan?

Usually. Michigan's no-fault law covers trailers with more than two wheels. Liability from the towing truck typically extends to an attached trailer, but you need physical damage coverage to protect the trailer itself.

What PIP Options Can A Business Choose In Michigan?

Commercial policies can choose unlimited PIP medical coverage, which is the default, or limits of $500,000 or $250,000. The lower options and opt-out available on personal policies aren't offered.

How Much Is Commercial Truck Insurance In Michigan?

CoverWallet data puts the average at about $8,910 a year, but a fully insured semi typically costs $16,000 to $19,000, and more in Detroit.

Does Michigan Require A USDOT Number For Intrastate Trucking?

Yes. Michigan requires a USDOT number for intrastate commercial carriers, which the State Police list as vehicles over 26,000 pounds.

Michigan Commercial Vehicle Insurance