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The Best Car Insurance Companies in Michigan

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    The Best Auto Insurance for Michigan

    Michigan is a unique state when it comes to car insurance. Because of the state’s insurance laws, drivers in Michigan pay some of the nation’s highest premiums. That being said, many of the best car insurance companies in Michigan still offer competitive rates with other perks such as additional coverages, discounts, and excellent customer satisfaction. For the best car insurance in Michigan, we looked to Geico, Allstate, State Farm, Progressive, USAA, and Auto-Owners Insurance. Each company has something unique to offer.

    The 6 Best Auto Insurance Companies in Michigan

    Comparing the Best Car Insurance Companies in Michigan

    Average Price for State Minimum* Average Price for Full Coverage* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. A.M. Best Financial Strength Rating AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin Geico$1,290.87$2,218.294.2A++837
    Pin Allstate$2,222.97$2,702.264A+827
    Pin State Farm$1,974.88$2,708.364.6A++851
    Pin Progressive$1,947.58$2,670.514.4A+842
    Pin USAA$1,371.84$2,189.114.8A++895
    Pin Auto-Owners Insurance$1,456.33$2,547.063.8A++842
    Geico

    Best for Low Prices

    Why we chose it

    Geico offers Michigan drivers high customer satisfaction at the lowest price point.
    • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,290.87* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 837** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico offers Michigan drivers high customer satisfaction at the lowest price point.

    Pros

    • Low annual premiums
    • Best in customer satisfaction
    • Many discount options available

    Cons

    • No gap coverage available
    • No discounts for hybrid/electric cars
    • Can be expensive for poor driving records
    Read More

    Types of Coverage Offered

    • Liability
    • Medical
    • Uninsured motorist
    • Collision
    • Comprehensive
    • Emergency road service
    • Rental reimbursement
    • Mechanical breakdown

    Discounts Available

    • Vehicle equipment
    • Good driver
    • Seat belt use
    • Defensive driving
    • Driver’s education
    • Good student
    • Emergency deployment
    • Membership & Employee
    • Military
    • Multi-vehicle
    • Multi-policy

    More Geico Insurance Reviews

    Allstate

    Best for Online Resources

    Why we chose it

    Allstate customers will love the company’s online resources, which include a library of educational articles and a mobile app with features such as roadside assistance and Drivewise.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $2,222.97* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 827** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate customers will love the company’s online resources, which include a library of educational articles and a mobile app with features such as roadside assistance and Drivewise.

    Pros

    • Offers a free app to help improve driving habits
    • Lots of coverage options

    Cons

    • High annual premiums
    • Average customer satisfaction scores
    Read More

    Types of Coverage Offered

    • Liability
    • Medical
    • Uninsured/underinsured motorist
    • Collision
    • Comprehensive
    • Roadside assistance
    • Rental reimbursement
    • Sound system
    • Personal injury
    • Personal umbrella

    Discounts Available

    • Vehicle safety features
    • Multiple policy
    • Early signing
    • Responsible payer
    • Smart student
    • New car
    • Automatic payment
    • Paperless billing
    • Fullpay 
    • Safe driving

    More Allstate Insurance Reviews

    State Farm

    Best for Discounts

    Why we chose it

    State Farm, the biggest car insurance provider in the nation by market share, offers impressive coverage and discounts.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,974.88* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 851** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm, the biggest car insurance provider in the nation by market share, offers impressive coverage and discounts.

    Pros

    • Coverage for rideshare drivers
    • Highly rated mobile app
    • Great discounts

    Cons

    • No accident forgiveness
    • Recent financial losses have led to some Michigan office closures
    • Premiums are on the higher end
    Read More

    Types of Coverage Offered

    • Liability
    • Medical
    • Uninsured motorist
    • Collision
    • Comprehensive
    • Emergency road service
    • Car rental and travel
    • Rideshare driver

    Discounts Available

    • Drive Safe and Save
    • Steer Clear
    • Accident free
    • Defensive driving course
    • Student away at school
    • Good driving
    • Driver training
    • Good student
    • Vehicle safety features
    • Multiple auto
    • Multiple line

    More State Farm Insurance Reviews

    Progressive

    Best for High-risk Drivers

    Why we chose it

    Progressive offers competitive rates in Michigan and is the best option for high-risk drivers who may find higher rates with other companies.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,947.58* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 842** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive offers competitive rates in Michigan and is the best option for high-risk drivers who may find higher rates with other companies.

    Pros

    • Lots of discount options
    • Great digital tools
    • Low-cost insurance option for high-risk drivers

    Cons

    • Below average customer and claims satisfaction
    • Some discounts not offered in certain states
    Read More

    Types of Coverage Offered

    • Liability
    • Comprehensive
    • Collision
    • Uninsured/underinsured motorist
    • Medical payments
    • Roadside assistance
    • loan/lease payoff
    • Rental car reimbursement
    • Customer parts and equipment value
    • Rideshare coverage
    • Deductible savings bank

    Discounts available

    • Multi-policy
    • Multi-car
    • Continuous insurance
    • Safe driver 
    • Teen driver
    • Good student
    • Distant student
    • Homeowner
    • Quote and sign online
    • Paperless billing
    • Pay in full
    • Automatic payment

    More Progressive Insurance Reviews

    USAA

    Best for Military Members

    Why we chose it

    USAA’s car insurance for military members and their families offers some of the industry’s best customer satisfaction and prices.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,371.84* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 895** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA’s car insurance for military members and their families offers some of the industry’s best customer satisfaction and prices.

    Pros

    • Superior customer service ratings
    • Highly competitive prices
    • Lots of discounts

    Cons

    • Only available to military families
    • Comparatively few physical locations
    Read More

    Types of Coverage Offered

    • Liability
    • Bodily injury
    • Uninsured/underinsured motorist
    • Collision
    • Comprehensive
    • Personal injury protection
    • Extended benefits
    • Roadside assistance
    • Rental reimbursement
    • Accident forgiveness

    Discounts Available

    • Safe driver
    • Defensive driver
    • Driver training
    • Good student
    • New vehicle
    • Multi-vehicle
    • Annual mileage
    • Vehicle storage
    • Family discount
    • Length of membership
    • Military installation
    • No payment plan
    Auto-Owners Insurance

    Best for Coverage Options

    Why we chose it

    Auto-owners insurance offers coverage unmatched by any other insurance company and affordable prices.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,456.33* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 842** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Auto-owners insurance offers coverage unmatched by any other insurance company and affordable prices.

    Pros

    • Comparatively low prices
    • Lots of coverage options
    • Above-average customer satisfaction

    Cons

    • Only available in 26 states
    • No online quote tool
    Read More

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Medical
    • Uninsured/underinsured motorist
    • Road trouble service
    • Additional expense
    • Loan/lease gap
    • Diminished value
    • Personal automobile plus
    • Collision coverage advantage
    • Common loss deductible
    • Rental cars

    Discounts Available

    • Multi-policy
    • Life multi-policy
    • Payment history
    • Paid-in-full
    • Paperless billing
    • Advance quote
    • Multi-car
    • Safety features
    • Favorable loss history
    • Student discounts

    More Auto-Owners Insurance Reviews

    *Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power 2021 Auto Insurance Satisfaction Study rating for the North Central region. Based on a 1,000-point scale.

    The Average Cost of Car Insurance in  Michigan

    Michigan is one of the most expensive states in the nation for car insurance. Because it’s a no-fault state, all drivers end up paying more for their car insurance, as they have to carry personal injury protection. The state also requires drivers to purchase unlimited lifetime medical benefits, which adds to the cost even more.

    The price of minimum liability coverage, as required by Michigan state law, averages $1,219. To purchase full coverage insurance, you’ll pay roughly $2,105. Overall, prices vary significantly. You could end up paying anywhere from $628 to $3,547 for your policy.

    It’s not just your car insurance company that can make a difference in the price. Living in an area with a high crime rate or inclement weather can increase your premiums. And individual drivers may pay more due to their age, driving record, credit score, and more.

    Top 3 Cheapest Car Insurance Companies in  Michigan

    CompanyAverage Annual Premium
    Pioneer State Mutual$1,214.43
    Geico$1,290.87
    USAA$1,371.84

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Michigan

    CompanyAverage Annual Premium
    Frankenmuth Mutual$1,928
    Citizens Insurance$1,941
    Allstate$3,547

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Michigan

    CityAverage Annual Premium*
    Ishpeming$1,458.07
    Marquette$1,460.65
    Petoskey$1,478.30

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Michigan

    CityAverage Annual Premium*
    Detroit$2,372.79
    Hamtramck$2,371.00
    Harper Woods$2,222.15

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Guide to Michigan Car Insurance 

    Michigan’s auto insurance laws differ from many in the nation, so it’s important that drivers in the state know what they’re getting into. First, Michigan law requires that all eligible drivers will be guaranteed car insurance. This means that a poor driving record can’t prevent you from getting insurance. While this is certainly an advantage, there are some downsides to insurance in Michigan. Because it’s a no-fault state, drivers must carry more minimum insurance coverage than in many other states.

    Car Insurance Add-Ons That Will Further Protect You 

    • Uninsured/Underinsured Motorist: Though required in some states, this coverage is an optional add-on in others. It protects drivers when they get into a car accident with someone who doesn’t have car insurance
    • Gap Insurance: If you get into an accident and total your vehicle, you run the risk of your car insurance paying you out for less than you owe on the vehicle. Gap insurance covers the difference between what you owe on the car and its current actual value.
    • Rideshare Coverage: Those who drive for a rideshare company may need extra insurance to protect themselves. Many insurers offer this as an add-on to their standard policies.
    • Roadside Assistance: Many insurance carriers offer roadside assistance, which you can request for flat tires, dead batteries, towing services, and more.

    Michigan Minimum Insurance Requirements

    Michigan has some unique minimum insurance requirements. Because of its no-fault law, the state requires each driver to carry insurance that would cover their own medical expenses with no maximum limit and up to $1 million for damage their car does to any other property. Additionally, the state requires minimum liability insurance similar to most states.

    Minimum liability required in the state of  Michigan is divided as follows:

    • Personal injury protection (PIP)
    • Property protection insurance
    • Liability insurance with the following coverage limits:
      • $50,000 for a person hurt or killed in an accident
      • $100,000 for each accident where multiple people are hurt or killed
      • $10,000 for property damage in another state

    Michigan’s No-Fault Law

    Michigan is a no-fault state, which means that in the event of an accident, the person who was at-fault isn’t responsible for paying the medical bills and lost wages of anyone injured in the accident. Instead, your own insurance company will have to cover your expenses. This law is the reason for the increased rates of minimum insurance coverage in the state.

    Michigan Car Insurance FAQ

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Michigan, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Michigan, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Erin Gobler is an insurance writer for Reviews.com. Over the past three years, she has covered personal finance topics such as insurance, banking, mortgages, and more. Her work has been featured in sites such as The Simple Dollar, Bankrate, and Coverage.com. She holds a bachelor’s degree in Journalism from the University of Wisconsin-Oskosh. Erin’s favorite Reviews.com article is the State Farm Renters Insurance Review.

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