Best Car Insurance in Michigan for 2025 [Check Out the Top 10 Companies]
The best car insurance in Michigan comes from State Farm, Progressive, and Allstate, with rates starting at $47 a month. State Farm offers solid service and bundling in costly Michigan areas. Progressive is a good choice for young drivers in the state, while Allstate covers Michigan’s no-fault system well.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 19, 2025
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18,155 reviewsCompany Facts
Full Coverage in Michigan
A.M. Best Rating
Complaint Level
Pros & Cons
18,155 reviews
13,283 reviewsCompany Facts
Full Coverage in Michigan
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviews
11,638 reviewsCompany Facts
Full Coverage in Michigan
A.M. Best Rating
Complaint Level
Pros & Cons
11,638 reviewsWhen it comes to the best car insurance in Michigan, State Farm, Progressive, and Allstate are the top companies, with monthly rates beginning at $47 a month.
College students across Michigan can get up to a 25% student discount from State Farm, Progressive offers fast digital transactions, and Allstate provides benefits like accident forgiveness.
Our Top 10 Company Picks: Best Car Insurance in Michigan
| Company | Rank | A.M. Best | Claims Satisfaction | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | A++ | 3.5/5 | Customer Service | State Farm |
 | #2 | A+ | 4.0/5 | Young Drivers | Progressive |
 | #3 | A+ | 4.2/5 | Agent Network | Allstate |
 | #4 | A++ | 3.7/5 | Low Rates | Geico |
 | #5 | A++ | 3.6/5 | Military Families | USAA |
 | #6 | A | 4.1/5 | Rural Drivers | Farm Bureau |
 | #7 | A+ | 3.8/5 | Roadside Assistance | Nationwide |
 | #8 | A | 4.3/5 | Custom Coverage | Liberty Mutual |
 | #9 | A++ | 3.9/5 | Financial Strength | Travelers |
 | #10 | A | 4.5/5 | Loyalty Discounts | American Family |
Discover how car insurance works for Michigan drivers and protect yourself with the ideal coverage from the best companies.
Learn about bundling savings, unique state laws like the “Michigan Left,” and essential add-ons for complete protection in the state.
- Michigan premiums are higher due to no-fault insurance
- Geico offers the cheapest minimum coverage at $47 a month
- Michigan sees 20% uninsured drivers and $4,500 average collision claims
Exploring these options helps Michigan drivers find the best coverage at competitive rates. Try to enter your ZIP code and get the best policy tailored for you.
#1 – State Farm: Top Overall Pick
Pros
- Excellent Customer Support: Michigan drivers have given State Farm 18,154 reviews, earning an impressive 4.3 out of 5-star rating for exceptional customer service.
- New Perks: College students across Michigan can enjoy the best student discount available, 25% off their premiums.
- Extensive Coverage Options: Michigan clients can feel assured about the additional coverage provided by State Farm, as it includes comprehensive and rideshare insurance.
Cons
- Higher Premiums: Young and high-risk drivers in Michigan may face higher rates. Check this State Farm car insurance review to save and avoid expensive premiums.
- Limited Online Management: Some features require agent interaction in Michigan rather than being fully online.
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#2 – Progressive: Best for Young Drivers
Pros
- Affordable Coverage: Young drivers in Michigan benefit from Progressive’s reasonable $152 monthly full coverage rate with tailored protection plans.
- New Program for Savings: It offers Michigan drivers discounts based on real-time driving behavior. Learn how this new system works with our Progressive car insurance review.
- Excellent Driving Rewards: Careful drivers throughout Michigan can earn substantial 30% discounts through Progressive’s good driver program benefits.
Cons
- Mediocre Bundling Options: Michigan homeowners receive only 10% bundling discounts with Progressive, which is less than half of what competitors offer.
- Average Complaint Level: The medium complaint level rating indicates some Michigan policyholders experience issues with Progressive’s claim handling processes.
#3 – Allstate: Best for Agent Network
Pros
- Strong Agent Network: Allstate has one of the best agent networks in Michigan, offering local support and personalized service for drivers across the state.
- Discount Programs: MI local drivers may benefit from a 25% bundling discount, together with the combination of multiple policies.
- Safety Incentives: Michigan residents with clean driving records enjoy 25% good driver discounts that significantly reduce their insurance costs.
Cons
- Expensive Average Premiums: Allstate’s Michigan rates average $195 a month, higher than budget insurers. To check more, read our details in the Allstate car insurance review.
- Limited Availability of Discounts: Allstate discounts, like safe driving and loyalty, vary by state and may be limited for Michigan drivers.
#4 – Geico: Best for Low Rates
Pros
- Lowest Rates: Top providers like Geico offer the cheapest car insurance in Michigan, with monthly rates beginning at $47.
- Easy Mobile Management: The Geico app is user-friendly for MI drivers, offering simple policies and claims filing management.
- Theft Prevention Benefits: Security-conscious drivers throughout Michigan can receive substantial 25% discounts for installing anti-theft devices on vehicles.
Cons
- Few Agent Interaction: Unlike other top providers in MI, Geico operates mainly online for fast transactions. For assistance, check out the Geico car insurance review.
- Limited Coverage Options: Geico lacks some specialty add-ons that competitors provide to their Michigan drivers.
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#5 – USAA: Best for Military Families
Pros
- Exclusive Benefits: Military members, veterans, and their families in Michigan can get affordable insurance rates at $51 monthly. See our USAA car insurance review for details.
- Cost-Effective Coverage: USAA offers competitive insurance rates for military families living in MI and provides additional savings through policy bundling.
- Reliable Customer Support: Military families in Michigan prioritize this as it provides customers with personalized guides and quick transactions.
Cons
- Restricted Eligibility: The coverage of USAA is inaccessible to civilians in Michigan.
- Non-Military Drivers: People without military connections may experience higher premiums in Michigan than with other insurers.
#6 – Farm Bureau: Best for Rural-Focused Drivers
Pros
- Rural-Focused Coverage: Farmers and rural residents in Michigan can benefit from offers that require specialized coverage options, such as farm vehicles and equipment.
- Exclusive Member Perks: Farm Bureau provides benefits like financial planning services, estate planning, and farm-related insurance discounts for eligible members in MI.
- Best Local Agents: Farm Bureau has Michigan agents who understand what the community needs and provide immediate responses to the problem
Cons
- Limited Availability by State: Michigan drivers’ discounts and policy options vary depending on location. Check out the Farm Bureau car insurance review for helpful insights.
- Financial Stability Concerns: Michigan policyholders may have concerns about the B rating from A.M. Best compared to competitors’ stronger grades.
#7 – Nationwide: Best for Roadside Assistance
Pros
- Roadside Assistance Program: Nationwide is known in Michigan for offering strong emergency coverage, like towing and lockout services.
- Good Coverage Customization: Michigan drivers can benefit from Nationwide deals, such as unique benefits like accident forgiveness
- Usage-Based Savings: Michigan commuters can maximize savings with Nationwide’s unmatched 40% usage-based insurance discount for monitored driving habits.
Cons
- Fewer Discounts: Local drivers in Michigan may not be eligible for some discounts. Be sure to check our Nationwide car insurance review for available offers.
- Not the Cheapest Option: For a monthly payment of $124, premiums can be slightly higher than those of discount providers and other insurance companies in MI.
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#8 – Liberty Mutual: Best for Custom Coverage
Pros
- Strong Digital Features: It has a top app and a great online service for Michigan drivers. To take advantage of these features, visit our Liberty Mutual car insurance review.
- Customizable Coverage: Local drivers in Michigan can benefit from offers that include unique add-ons like new car replacement and gap insurance.
- Safe Drivers Discount: Liberty Mutual features programs like RightTrack that help Michigan safe drivers save on premiums and bundling discounts up to 25%.
Cons
- Customer Service Feedback: Drivers in Michigan say they’ve noticed that local agents aren’t always consistent when it comes to handling claims.
- Premium Costs: Liberty Mutual’s rates are a bit on the higher side compared to other major providers in Michigan, averaging around $204 a month.
#9 – Travelers: Best for Financial Strength
Pros
- Solid Accident Forgiveness Program: Travelers helps Michigan drivers avoid hikes in their insurance rates after a fault crash.
- Trusted and Reliable: Michigan policyholders can be confident with Travelers’ A++ strong financial strength rating, offering stable claims-paying ability.
- Wide Coverage Options: Michigan motorists can be interested in a number of different policies, such as gap insurance, accident forgiveness, and rideshare coverage.
Cons
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- Average Digital Experience: Travelers’ online tools and mobile apps are less advanced than those of other big insurance companies in MI.
- Few Local Representatives: Travelers offers limited in-person support for Michigan clients compared to competitors. See our Travelers car insurance review for better options.
#10 – American Family: Best for Loyalty Discounts
Pros
- Great Loyalty Rewards: Michigan drivers know the American Family for its loyalty discount, which offers increasing savings the longer you remain insured.
- Affordable Coverage: American Family offers competitive multi-vehicle rates for Michigan drivers. Learn more in our American Family car insurance review.
- Save Money: Drivers in Michigan can enjoy a 25% discount by combining their auto insurance with homeowners’ or renters’ insurance.
Cons
- Limited Availability: Customers may find it challenging to access Travelers, as it is unavailable in all states and some areas of Michigan.
- Higher Base Premiums: Travelers charges a standard monthly rate of $98, which is more expensive for single Michigan policyholders.
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Compare Michigan Insurance Coverage and Rates
Michigan ranks fourth nationwide for uninsured drivers, which means that 20% of drivers there lack coverage. You probably don’t want to number among them or get into any accidents involving uninsured motorists.
Choosing the right insurance company is not just about financial protection; it can significantly impact your peace of mind and overall experience should an unexpected situation arise, whether you have minimum or full coverage car insurance.
Michigan Car Insurance Monthly Rates by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $195 | $406 |
| $98 | $204 |
| $75 | $146 |
| $47 | $99 |
| $204 | $424 |
| $124 | $257 |
| $73 | $152 |
| $100 | $209 |
| $88 | $183 |
| $51 | $107 |
Michigan is known as the car-making capital of the United States, and we pay homage to the state’s versatility and important contributions to our country. Cars take us where we need (and want) to go, and for many commuters, that includes work.
Get full coverage if possible—it’s worth it in Michigan. It protects against costly accidents and injury claims better than basic policies.Eric Stauffer LICENSED INSURANCE AGENT
Without car insurance, we wouldn’t have financial coverage in case an accident happens. It protects us, and potentially, other drivers and injured people involved, from high costs for damages.
In Michigan, car insurance rates vary by location. Cities like Detroit and Flint often have higher premiums due to traffic and claims, while smaller towns like Alpena or Escanaba pay less. Your ZIP code greatly impacts your rate, so comparing local quotes is key to finding the best value.
The table below highlights the annual accidents and claims in major Michigan cities, providing insight into the frequency of incidents and claims across the state.
Michigan Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Ann Arbor | 2,000 | 1,000 |
| Dearborn | 2,200 | 1,100 |
| Detroit | 30,000 | 15,000 |
| Flint | 4,500 | 2,000 |
| Grand Rapids | 5,000 | 2,500 |
| Kalamazoo | 1,500 | 800 |
| Lansing | 3,200 | 1,600 |
| Saginaw | 1,000 | 500 |
| Sterling Heights | 1,800 | 900 |
| Warren | 3,000 | 1,500 |
Understanding car insurance rates by state and the minimum coverage requirements is essential in deciding the right amount of coverage that fits your needs and budget.
Top Car Insurance Discounts in Michigan
From national insurers, such as State Farm, to Michigan-based Progressive Insurance, car insurance shoppers have a lot of options. This can make it hard to decide on the one that’s right for you and your needs at a time when the best rates are all the rage.
Explore the driving tips archive for valuable insights on how your choices can affect average car insurance premiums in Michigan and help you save some cash. Michigan drivers can also take advantage of a wide range of car insurance discounts. The table below highlights discount savings offered by top insurance companies:
Car Insurance Discounts From Top Michigan Providers
| Company | Anti-Theft | Bundling | Good Driver | Good Student | UBI |
|---|---|---|---|---|---|
| 10% | 25% | 25% | 20% | 30% |
| 25% | 25% | 25% | 20% | 30% |
| 20% | 20% | 25% | 10% | 15% |
| 25% | 25% | 26% | 15% | 25% |
| 35% | 25% | 20% | 15% | 30% |
| 5% | 20% | 40% | 15% | 40% |
| 25% | 10% | 30% | 10% | $231/yr |
| 15% | 17% | 25% | 25% | 30% |
| 15% | 13% | 10% | 8% | 30% |
| 15% | 10% | 30% | 10% | 30% |
Whether you’re a safe driver, a student, or bundling home and auto, these discounts can lead to major savings. Comparing percentages across providers helps ensure you find the best deal for your needs in Michigan.
Michigan Auto Insurance Laws & Requirements
One unique driving law in Michigan is the “Michigan Left,” or Thru-Turn. Instead of a direct left, drivers must go straight, make a U-turn at a median crossover, and then turn right at the intersection.
The law promotes traffic and safety, especially in congested traffic areas. Michigan is a no-fault state, every driver must carry the minimum car insurance in Michigan:
- Personal Injury Protection (PIP): Covers medical expenses; drivers can choose unlimited coverage or lower limits based on health insurance status.
- Property Protection Insurance (PPI): Must carry $1 million in coverage to pay for damage your vehicle causes to other people’s property in Michigan.
- Liability Insurance: Minimum limits of $50,000 for bodily injury per person, $100,000 per accident, and $10,000 for property damage out of state.
These minimums impact how much coverage you must carry, what insurers must offer, and help ensure all Michigan drivers have basic protection after an accident.
Understanding this law is essential for drivers seeking car insurance in Jackson, MI, or navigating roads while looking for cheap car insurance in Battle Creek, MI.
Read More: How to Drive Safely, No Matter the Time of Day
Automobile Insurance Fraud in Michigan
Michigan’s 2019 car insurance reform law allowed for the formation of an anti-fraud unit to investigate insurance fraud. Insurance fraud, which includes lying about, concealing, or omitting information related to a claim, is illegal in Michigan.
It carries a penalty of up to five years and fines of up to $50,000. That is why finding the right and legitimate Michigan car insurance provider is crucial for customers looking to meet their needs and budget, in order to avoid car insurance fraud.
For reliable insurance in Michigan, consider State Farm for personalized service, competitive prices, and great value.
Justin Wright Licensed Insurance Agent
Life is short, and there aren’t enough hours in a day to continue a seemingly endless quest. Good news. You don’t need to look any further. We’ve compiled everything you need here in this Michigan car insurance guide to answer all of your questions.
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Best Car Insurance Coverage in Michigan
In Michigan, all major insurers provide basic coverages like liability (for injuries and property damage you cause), personal injury protection (covers medical expenses regardless of fault), and collision or comprehensive (for damage to your vehicle from accidents, theft, vandalism, or weather-related incidents).
Auto Insurance Coverage Add-Ons Availability in Michigan by Provider
| Insurance Company | Roadside Assistance | Rental Reimbursement | Gap Coverage | Rideshare | Custom Equipment |
|---|---|---|---|---|---|
| ✅ | ✅ | ✅ | ✅ | ❌ |
| ✅ | ✅ | ✅ | ❌ | ✅ |
| ✅ | ❌ | ✅ | ❌ | ✅ |
| ✅ | ✅ | ❌ | ✅ | ❌ |
| ✅ | ✅ | ✅ | ✅ | ❌ |
| ✅ | ✅ | ✅ | ❌ | ❌ |
| ✅ | ✅ | ✅ | ✅ | ❌ |
| ✅ | ✅ | ✅ | ✅ | ✅ |
| ❌ | ✅ | ❌ | ✅ | ❌ |
| ✅ | ✅ | ✅ | ✅ | ✅ |
Add-ons enhance this protection: roadside assistance for towing and lockouts, rental reimbursement while your car’s in the shop, and gap coverage for loan or lease balances if your car is totaled.
Many providers also offer rideshare protection and custom equipment coverage for aftermarket parts. Farm Bureau lacks rideshare and gap options, limiting flexibility for some drivers. Allstate, Geico, and Progressive stand out for offering the most complete add-on coverage in the state.
Michigan Car Insurance Claims & Premium
Understanding the most common claims helps drivers prioritize coverage. In Michigan, collision and liability claims make up nearly half of all car insurance claims, with bodily injury claims averaging a steep $15,000. This underscores the importance of selecting a policy that goes beyond basic liability.
5 Common Car Insurance Claims in Michigan
| Claim Type | Portion of Claims | Average Cost per Claim |
|---|---|---|
| Collision | 28% | $4,500 |
| Comprehensive (Non-collision) | 22% | $2,000 |
| Liability (Property Damage) | 25% | $5,500 |
| Liability (Bodily Injury) | 18% | $15,000 |
| Uninsured/Underinsured Motorist | 7% | $10,000 |
According to Michigan’s car insurance “report card,” the state earns high marks for provider availability and market presence but only a C for average premiums due to the complexities of its no-fault insurance laws.
Michigan Report Card: Car Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Market Share | A | Strong market presence with a mix of large and local providers. |
| Discount Availability | B | A variety of discounts are available, but may not be as extensive as in other states. |
| Average Premium | C | Premiums are higher than the national average due to no-fault insurance. |
While premiums are higher, robust add-on availability from top insurers ensures drivers can tailor coverage to suit their needs, especially when navigating unique driving laws and risks.
Read More: Filing a Car Insurance Claim After an Accident
Best Car Insurance in Michigan: Top Providers & Coverage Options
State Farm, Progressive, and Allstate offer the best car insurance in Michigan. State Farm ranks first for offering comprehensive and rideshare coverage, making it a smart choice for drivers seeking extra protection.
Careful drivers throughout Michigan can earn substantial discounts of up to 30% with Progressive. At the same time, Allstate has extensive coverage crafted directly to individual requirements and excellent opportunities for multi-policy discounts.
These companies offer a mix of affordability, quality service, and specialized benefits to meet Michigan drivers’ needs. Just enter your ZIP code to compare car insurance quotes and find rates for several Michigan car insurance providers at once with our free online tool.
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Frequently Asked Questions
Is gap coverage important for Michigan drivers?
Gap coverage is valuable for Michigan drivers with car loans or leases. It covers the difference between what you owe and your car’s value if it’s totaled. Most major Michigan insurers offer this coverage, except Farm Bureau.
How much should auto insurance cost in Michigan?
The average cost of car insurance in Michigan varies depending on coverage, location, and driving history. Still, drivers can expect to pay between $125 and $210 per month, with some of the best auto insurance rates in Michigan available through major providers. Just enter your ZIP code to see more.
What are the minimum car insurance requirements in Michigan?
Michigan requires Personal Injury Protection (PIP), Property Protection Insurance (PPI) of $1 million, and liability insurance with minimum limits of $50,000 for bodily injury per person, $100,000 per accident, and $10,000 for property damage out of state.
Read More: Bodily Injury Liability Coverage
How does Michigan’s no-fault insurance system work?
Michigan is a no-fault state, meaning every driver must carry Personal Injury Protection (PIP) that covers medical expenses regardless of who caused the accident. Drivers can choose unlimited coverage or lower limits based on their health insurance status.
What is the average car insurance cost in Michigan?
The average car insurance in Michigan costs around $150 to $250 per month. Still, rates vary depending on age, driving record, and location, with Michigan car insurance quotes helping drivers find the most affordable options. Enter your ZIP code to give you more information.
What are some ways to lower car insurance costs in Michigan?
Maintaining a clean driving record and using discounts can help. Implementing safe driving tips, such as avoiding distractions and obeying speed limits, will also reduce premiums over time.
What is the “Michigan Left” and how does it affect driving?
The “Michigan Left” or Thru-Turn is a unique driving law where instead of making a direct left turn, drivers must go straight, make a U-turn at a median crossover, and then turn right at the intersection. It promotes traffic flow and safety.
Which Michigan insurance companies offer the best rates?
Many providers on the Michigan insurance companies list, such as State Farm, Auto-Owners, and Allstate, offer competitive rates, making it essential to compare auto insurance quotes in Michigan to find the most affordable coverage. View more by entering your ZIP code.
How did Michigan’s 2019 auto insurance reform affect rates?
The 2019 reform allowed drivers to choose PIP coverage limits instead of mandatory unlimited coverage, created an anti-fraud unit, and set fee schedules for medical providers. These changes were intended to lower Michigan’s high premiums.
Why is car insurance in Michigan so expensive?
Michigan premiums are higher due to its no-fault insurance system. The state ranks fourth nationwide for uninsured drivers (20%) and has relatively high average collision claims of $4,500. Check this tip on how to lower your car insurance cost for more details.
