If you want to drive a car in Michigan you must have Michigan car insurance. Every person who drives a car must have a policy. It is illegal in Michigan to drive without insurance coverage. Although the policies are sometimes expensive, they are required by law. There is always a risk of accidents and in Michigan there are good reasons to carry car insurance.
One reason is because Michigan is a state that has No Fault Insurance.
Another good reason for having good Michigan car insurance is because there are often terrible and dangerous driving conditions in Michigan in the winter. There are many snow storms and the snow on the roads can turn into black slippery ice with no traction if you drive on it.
Remember that even if you drive very carefully in the winter, other people driving may not be as careful or as skilled as you are, and they could end up sliding on the ice and hit your car. Blizzard conditions are frequent in winter which means that the roads are in terrible condition at the same time that people are trying to get to work in their cars.
Because of the tough driving conditions in winter in the state of Michigan and the existence of No Fault Michigan car insurance, you will need to have a policy in place to cover you if you intend to drive. Each time you drive in winter, you are taking a chance, so you must have insurance coverage to be safe.