Non Owner Auto Insurance in Michigan
Reader’s Question:
Are you required to carry some type of car insurance in the state of Michigan if you have a driver license, even if you don’t own a vehicle? Is that what non-owner insurance is?
Rachel
Flint, MI
The Michigan Secretary of State states that the owners of passenger vehicles, vans, and light trucks must purchase Michigan no-fault insurance before registering their car. Out-of-state insurance policies can’t be used to meet Michigan insurance requirements for registering a car.
You are required by the Michigan law to keep your Michigan no-fault insurance certificate in your car or carry it with you when you operate a vehicle. If you can’t show proof of insurance to a police officer, the court may order the Secretary of State to suspend your driver license. Until proof of insurance is provided, the Secretary of State will not renew, transfer, or replace your car’s license plate. You may be required to show proof that the vehicle is insured for not less than 6 months and pay $50, plus any other fees required by Michigan law. The license plate may also be canceled if proof of insurance is not shown.
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