In response to recent national trends, the Michigan Department of Insurance and Financial Services (DIFS) has issued a bulletin to remind insurers that they must offer auto insurance to all eligible Michiganders regardless of vehicle make or model, except in certain circumstances as defined under the law.  

Under the Michigan Insurance Code, insurers in Michigan are only allowed to deny insurance coverage, refuse to continue that coverage, or limit the coverage available for certain types of vehicles under defined circumstances. If an insurer fails to follow the law, DIFS may take regulatory action to ensure Michigan consumers are fully protected. 

Consumers who believe they have been denied auto insurance or had their options limited because of their vehicle’s make or model should contact DIFS’ Office of Consumer Services at (877) 999-6442, Monday through Friday, 8 a.m.-5 p.m. or via email at For more information on auto insurance in Michigan, go to