Is Michigan A No Fault State For Auto Insurance? 
Yes , Michigan is a no fault state . As with every no fault state , medical coverage is required . However Michigan goes beyond that , as they are the only state that requires guaranteed unlimited lifetime medical benefits coverage . The auto insurance companies are require to insure the first 500 thousand of an injury claim , a state mandate catastrophe fund -LRB- known as MCCA -RRB- pays beyond that . MCCA fees cost $ 186 per year per vehicle -LRB- and that number seems to go up every year -RRB- . As a result of these factors , Michigan has the highest auto insurance rates in the nation . 