Michigan allows a deduction for auto insurance coverage that includes medical services related to a car accident. The coverage is called personal injury protection (PIP). See this Michigan webpage for more information.
If you can't tell from your auto insurance statement how much is the PIP portion, contact your agent.
The portion of your auto insurance that is designated as medical is a separate deduction on the Michigan return. To deduct the medical portion of your Michigan auto insurance premium, please follow the instructions below:
- Open your return.
- Click on State on the left-hand side.
- Click Continue next to your Michigan return.
- On the page Your 2025 Michigan taxes are ready for us to check, click Start or Edit next to Credits and taxes.
- Click Start or Revisit next to Homestead Property Tax Credit on the page Take a look at Michigan credits and taxes.
- Answer yes to the question Do you want to review your total household resources?
- Answer yes to the question Do you meet the qualifications? on the page Location of Property.
- Continue past the page Any of These Sources of Household Resources?
- On the page Medical Insurance or HMO Premiums Reduce Household Resources, enter the medical portion of your auto insurance premiums.
- Continue through your return.
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