You can try to self-insure in Michigan if you have more than 25 vehicles. However, whether you actually obtain a certificate of self-insurance is at the discretion of the insurance commissioner3.
Michigan Automobile Insurance Placement Facility
The cost of car insurance in Michigan is the second highest in the country, following Louisiana. According to the latest data from the National Association of Insurance Commissioners, the cost in 2019 was an average of $1,495.94 — 28 percent higher than the national average.4 So, although the state requires car insurance, many people can’t afford it through traditional means.
That’s why Michigan created the MAIPF as a last resort for people who can’t afford car insurance in the free market. These carriers are involved in the program:
1 Auto Club Drive
Dearborn, MI 48126-2694
6101 Anacapri Blvd.
P.O. Box 30660
Lansing, MI 48909-8160
||State Farm Insurance
P.O. Box 2159
Bloomington, IL 61702-9805
Contact the companies directly or find a licensed agent near you at https://difs.state.mi.us/locators?searchtype=InsAgent.5
For more information about the program, you can contact the MAIPF by mail, phone, fax, or email.
- Mailing address:
- P.O. Box 53218
Livonia, MI 48153
- Phone number: 734-464-1100
- Fax number: 734-464-0009
- Email address: firstname.lastname@example.org