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/month. State Farm is known for meeting MI customer needs with excellent customer service and bundling discounts. Progressive is great for young drivers, while Allstate provides comprehensive coverage.
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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: Feb 10, 2025
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Company Facts
Full Coverage in Michigan
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage in Michigan
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage in Michigan
A.M. Best Rating
Complaint Level
Pros & Cons
When it comes to the best car insurance in Michigan, State Farm, Progressive, and Allstate are the top companies, with monthly rates beginning at $73 from Progressive.
State Farm employs local agents to address customer needs, with monthly rates of $100. Progressive features quick transactions with its advanced digital tools, while Allstate offers unique benefits like accident forgiveness, with monthly premiums at $195.
Secure the coverage you deserve with our car insurance guide and drive confidently with top providers from the best car insurance in Michigan.
Our Top 10 Company Picks: Best Car Insurance in Michigan
Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 17% | B | Customer Service | State Farm | |
#2 | 10% | A+ | Young Drivers | Progressive | |
#3 | 25% | A+ | Comprehensive Coverage | Allstate | |
#4 | 25% | A++ | Low Rates | Geico | |
#5 | 10% | A++ | Military Families | USAA | |
#6 | 17% | B | Rural Drivers | Farm Bureau | |
#7 | 20% | A+ | Roadside Assistance | Nationwide | |
#8 | 25% | A | Custom Coverage | Liberty Mutual | |
#9 | 13% | A++ | Financial Strength | Travelers | |
#10 | 25% | A | Loyalty Discounts | American Family |
Exploring these options helps Michigan drivers discover the most suitable coverage at competitive rates. Try to enter your ZIP code and get the best policy tailored for you.
- Progressive provides excellent coverage options for young drivers
- Geico is renowned for its affordable premiums, starting at $47/month
- USAA offers exceptional benefits and low rates for military families
#1 – State Farm: Top Overall Pick
Pros
- Excellent Customer Support: State Farm has local representatives who can help customers choose their personalized car insurance in Michigan.
- New Perks:State Farm car insurance in Michigan offers different ways to save, such as a 25% discount for students who maintain good grades.
- Extensive Coverage Options: Clients can feel assured about the additional coverage provided by State Farm, as they include comprehensive and rideshare insurance.
Cons
- Higher Premiums: Young drivers or high-risk drivers may receive higher insurance rates. So check this State Farm car insurance review to save and avoid expensive premiums.
- Limited Online Management: Some features require agent interaction rather than being fully online.
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#2 – Progressive: Best for Young Drivers
Pros
- Unique Tool: Progressive features a Name Your Price tool designed to help customers save time and find policies that fit their budget.
- New Program for Savings: Progressive offers discounts based on the new system of real-time driving behavior. Understand how this new system works with our Progressive car insurance guide.
- Strong Digital Tools: Less hassle to customers as the Progressive app and website provide excellent policy management features.
Cons
- Customer Service Variability – The quality of service depends on the specific location and representative availability.
- Few Local Agents: Progressive focuses more on online transactions, which may not suit those who prefer in-person assistance.
#3 – Allstate: Best for Multi-Policy Discounts
Pros
- Comprehensive Coverage: Allstate provides many options, including accident forgiveness, making it a great choice for local drivers.
- Discount Programs: Local drivers may benefit from a 25% bundling discount together with the combination of multiple policies.
- Financial Stability: It receives an A+ rating and has a strong reputation with local drivers for efficiently processing claims.
Cons
- Expensive Average Premiums: Allstate’s standard rates of $195 per month are higher than those of budget insurers. To check more, read our details in the Allstate car insurance review.
- Limited Availability of Discounts: Some discounts from Allstate, including those for safe driving and loyalty programs, may vary by state and may not be as widely accessible.
#4 – Geico: Best for Affordable Premiums
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 local drivers, offering simple policies and claims filing management.
- Bundling Discounts: Local drivers can save 25% by bundling auto insurance from Geico with home or renters insurance.
Cons
- Few Agent Interaction: Unlike other top providers, 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 its local drivers.
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#5 – USAA: Best for Military Focus
Pros
- Exclusive Benefits: Military people, veterans, and their families can get cheap car insurance rates from USAA at $51 monthly. For more information, please refer to our USAA car insurance review.
- Cost-Effective Coverage: USAA offers competitive insurance rates for military families 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 Coverage
Pros
- Rural-Focused Coverage: Farmers and rural residents can benefit from the offers that need specialized coverage options, like 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.
- Best Local Agents: Farm Bureau has local agents who understand what the community needs and provide immediate responses to the problem
Cons
- Limited Availability by State: Local drivers’ discounts and policy options vary depending on location. Check out the Farm Bureau car insurance review for helpful insights
- Fewer Online Features: The digital services may not be efficient for local drivers in Michigan as these are not as advanced as larger insurers.
#7 – Nationwide: Best for Family Bundles
Pros
- Roadside Assistance Program: Nationwide is known in Michigan for offering strong emergency coverage, like towing and lockout services.
- Good Coverage Customization: Local drivers can benefit from Nationwide deals like unique benefits, like accident forgiveness.
- On Your Side Review: It offers personalized annual policy reviews that assist customers in finding the best rates.
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 discount providers and other insurance companies.
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#8 – Liberty Mutual: Best for Online Management
Pros
- Strong Digital Features: Liberty Mutual provides a highly rated app and excellent online customer service. To take advantage of these features, just 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 safe drivers save on premiums and bundling discounts up to 25%.
Cons
- Costly Premiums: Liberty Mutual’s premiums are higher than the standard rates of other top providers, averaging $204 per month.
- Customer Service Feedbacks: Local drivers report experiencing inconsistencies in performance of local agents in claim handling.
#9 – Travelers: Best for Financial Strength
Pros
- Stable and Reliable: Travelers holds an A++ financial rating, guaranteeing successful claims payouts for local drivers in Michigan.
- Wide Coverage Options: Drivers in Michigan may get interested to various policies, such as gap insurance, accident forgiveness, and rideshare coverage.
- Solid Accident Forgiveness Program: Travelers helps local drivers avoid increases in their insurance premiums following an at-fault accident.
Cons
- Average Digital Experience: Travelers’ online tools and mobile apps are less advanced than other big insurance companies.
- Few Local Representatives: It only has limited in-person support options compared to competitors. You can check Travelers car insurance review to explore better options.
#10 – American Family: Best for Loyalty Discounts
Pros
- Great Loyalty Rewards: Local drivers know the American Family for its loyalty discount, which offers increasing savings the longer you remain insured.
- Affordable Coverage: It offers competitive rates for multi-vehicle policies specifically for local drivers in Michigan. Fill your knowledge with 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 $88, which is more expensive for single policyholders
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Find Michigan Insurance Coverage and Rates
Michigan ranks fourth nationwide for uninsured drivers, which means that 20% of drivers there lack coverage.
Michigan Car Insurance Monthly Rates by Provider & 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 |
You probably don’t want to number among them or get into any accidents involving them, which makes your choice of an insurer that much more critical.
Car Insurance Discounts From the Top Providers in Michigan
Insurance Company | Available Discounts |
---|---|
Anti-theft, new car, responsible payer, multiple policies, safe driving, early signing, paperless billing, loyalty, drivewise program, multi-car | |
Bundling, safe driver, loyalty, good student, auto pay, low mileage, multi-vehicle, early signing, new car, homeowner, youth driver | |
Multi-policy, anti-theft, accident-free, safe driver, paid-in-full, low mileage, good student, military, seasonal, farm vehicle | |
Military, good student, multi-car, federal employee, defensive driving, emergency deployment, low mileage, membership affiliations, anti-theft | |
Early shopper, good student, multi-policy, vehicle safety, home ownership, pay-in-full, e-billing, accident forgiveness, military, college graduate | |
Safe driver, multi-car, automatic payment, new car, good student, family plan, prior insurance, paperless billing, homeowners, vehicle safety | |
Multi-policy, continuous insurance, teen driver, safe driving, paid-in-full, online quote, good student, homeowner, senior citizen, loyalty | |
Safe driver, accident-free, multiple vehicles, bundling, student away, early signing, low mileage, defensive driving, payment history, auto pay | |
Multi-policy, hybrid vehicle, safe driver, new car, anti-theft, good student, payment history, senior citizen, e-billing, low mileage | |
Military, good student, defensive driving, multi-policy, vehicle storage, safe driving, loyalty discounts, bundled policies, membership discounts |
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 or many commuters, that includes work.
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.
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.
Find the Best Car Insurance Companies in Michigan
From national insurers, State Farm to Michigan-based Auto-Owners 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.
Car Insurance Discounts From Top Michigan Providers
Insurance 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% |
Today, we’ve gathered all the information you need right now — company financial ratings, reviews, and rates — to help you make a choice you’ll feel comfortable with.
State-Specific Laws
One of the driving laws unique to Michigan is the Michigan Left. This “Thru-Turn” lets drivers make left turns past an intersection and do a U-turn. They can then return to the intersection to take a right turn.
Michigan drivers must follow the Michigan Left laws at intersections where they are at rather than taking a standard left turn.
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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.
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. |
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.
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 |
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 insurance fraud.
Michigan Report Card: Car Insurance Discounts
Discount Name | Grade | Savings | Participating Providers |
---|---|---|---|
Safe Driver Discount | A | 30% | State Farm, Allstate, Progressive |
Anti-Theft Discount | B | 10% | All major providers |
Senior Driver Discount | C | 15% | Allstate, State Farm, Geico |
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.
For reliable insurance in Michigan, consider State Farm for personalized service, competitive prices, and great value.
Justin Wright Licensed Insurance Agent
We’ve compiled everything you need here in this Michigan car insurance guide to answer all of your questions.
Best Car Insurance in Michigan: Top Providers & Coverage Options
State Farm, Progressive, and Allstate are the best car insurance in Michigan. State Farm ranks #1 for its outstanding customer service and bundling discounts, making it an excellent choice for drivers looking for reliability and savings.
Progressive is a good choice for young drivers. At the same time, Allstate provides comprehensive coverage tailored to individual needs and significant 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 and find rates for several Michigan car insurance providers at once with our free online tool.
Frequently Asked Questions
What is the best auto insurance for Michigan residents?
The best Michigan car insurance depends on individual needs. Still, top-rated auto insurance companies in Michigan include State Farm, Progressive, and Auto-Owners, offering competitive rates and discounts for bundling policies.
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 is CURE auto insurance?
CURE Auto Insurance is a non-profit provider offering competitive auto insurance coverage in Michigan, available only in Michigan, New Jersey, and Pennsylvania. It prioritizes driving records over factors like credit, education, or occupation. To give you more details, see our car insurance basics.
Where can I find cheap auto insurance quotes in Jackson, MI?
Drivers looking for auto insurance quotes in Jackson, MI should compare rates from leading car insurance companies in Michigan such as Geico, Progressive, and Farm Bureau, which often offer lower premiums for good drivers.
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.
Which auto insurance companies serve Rose City, MI?
Several car insurance companies in Rose City, MI, including Auto-Owners, Farm Bureau, and Progressive, provide auto insurance quotes in Rose City, MI, allowing residents to compare policies and secure the best auto insurance in Michigan for their needs. Learn more about safe driving tips in Michigan.
How can I find the best auto insurance in Michigan for young drivers?
The best car insurance in Michigan for young drivers often comes from companies like Progressive, Geico, and State Farm, which provide discounts for students and safe driving programs to help lower premiums.
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.
What is the best car insurance in Ann Arbor, MI?
For drivers looking for car insurance in Ann Arbor, MI, companies like Progressive, Geico, and Liberty Mutual offer Ann Arbor, MI cheap car insurance, with discounts available for good drivers and bundled policies. Check this tip on how to lower your car insurance cost for more details.
How can I get cheap car insurance in Michigan?
To find cheap car insurance in Michigan, drivers should compare Michigan car insurance quotes, maintain a clean driving record, bundle policies, and take advantage of discounts offered by major auto insurance companies in Michigan.