Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance in Michigan for 2024
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance companies in Michigan
Geico, USAA, Progressive, Auto-Owners and Travelers are among the best car insurance companies in Michigan, according to our analysis of average 2024 rates from Quadrant Information Services, customer satisfaction scores from J.D. Power, financial strength ratings from AM Best, coverage offerings and discounts. All five companies have average rates that are lower than the Michigan state average of $3,375 for full coverage and $1,210 for minimum coverage.
If you are shopping for the best auto insurance in Michigan, these companies could be a good starting place. Keep in mind, though, that the best insurer for you will depend on your individual circumstances.
Insurance company |
Bankrate Score
|
Average full coverage rate | Average min coverage rate |
---|---|---|---|
4.4
|
$1,663
|
$715
|
|
4.2
|
$1,835
|
$501
|
|
4.4
|
$1,920
|
$855
|
|
4.3
|
$2,355
|
$546
|
|
4.2
|
$2,862
|
$216
|
Geico
4.4
4.4
Avg. full coverage premium
$139/mo
Avg. full coverage premium
$1,663/yr
Customer satisfaction
831/1,000
-
Why Geico made our list: Geico advertises an impressive 16 different discounts on its website, offering savings opportunities for nearly every driver. Additionally, Geico earned an above-average customer satisfaction score in the 2023 J.D. Power Auto Insurance Study. However, Geico doesn’t offer as many options for endorsements as other national insurers, so if you’re hoping to build a personalized policy, it may not be the right company for you.
Who Geico may be good for: Geico might be a good option for Michigan drivers on a budget. With a strong focus on providing savings opportunities, Michigan drivers may find several ways to save with Geico.
USAA
4.2
4.2
Avg. full coverage premium
$153/mo
Avg. full coverage premium
$1,835/yr
Customer satisfaction
Not rated
-
Why USAA made our list: USAA consistently receives high customer satisfaction scores, but it only sells insurance to current or former military members and qualifying family members. Because of this, USAA is not eligible for an official ranking with J.D. Power. USAA tends to offer low average rates, numerous ways to save and has a solid mobile and online presence. If you qualify for coverage with USAA, you may want to consider getting a quote.
Progressive
4.4
4.4
Avg. full coverage premium
$160/mo
Avg. full coverage premium
$1,920/yr
Customer satisfaction
816/1,000
-
Why Progressive made our list: Progressive is known for its digital platform, although quotes are available at various in-person agency locations as well. Progressive’s digital tools include the Name Your Price tool and the ability to compare quotes from other companies on Progressive’s site. However, the company received a below-industry-average score from J.D. Power for claims satisfaction.
Auto-Owners
4.3
4.3
Avg. full coverage premium
$196/mo
Avg. full coverage premium
$2,355/yr
Customer satisfaction
833/1,000
-
Why Auto-Owners made our list: Auto-Owners — which was founded in and is headquartered in Lansing, Michigan — offers great add-on coverage options, including gap insurance and diminished value coverage. The company also offers a common loss deductible, meaning if both your home and vehicle are insured with Auto-Owners and are damaged in the same incident, your auto deductible will be lowered by the amount of your home deductible or waived entirely.
Travelers
4.2
4.2
Avg. full coverage premium
$239/mo
Avg. full coverage premium
$2,862/yr
Customer satisfaction
806/1,000
-
Why Travelers made our list: Travelers offers numerous coverage options to help Michigan drivers customize their car insurance to their specific needs, such as named non-owner liability coverage and rental coverage. There are also numerous ways to save, like owning a home or driving a hybrid or electric car. Travelers does have a relatively low J.D. Power customer satisfaction score, though, so it may not be ideal for customers who value outstanding service.
How Bankrate chose the best car insurance companies in Michigan
To find the best auto insurance companies in MI, we first acquired average cost information from Quadrant Information Services for the largest Michigan auto insurers by market share. We combined this information with our extensive research on each company’s coverage options, discounts, policy features, J.D. Power customer satisfaction scores and financial strength ratings and assigned each company a Bankrate Score. The scores are on a scale of 0.0 to 5.0. Companies with higher Bankrate Scores received a higher score in the individual ranking categories.
Why you can trust Bankrate
Read our full methodologyTo help Michigan drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
20.7K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in Michigan
To find the best car insurance in MI, you may want to start by evaluating your unique situation. All insurance companies also offer different rates, so getting quotes from multiple auto insurers as you shop for Michigan car insurance may help you find a carrier that fits your needs and budget. There are several steps you can take to evaluate your insurance needs and find the coverage that works best for you.
Related content:
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Michigan?
The average cost of car insurance in Michigan is $3,375 per year for full coverage, far more than the national average of $2,545 per year. Michigan residents also pay more for minimum coverage car insurance at $1,210 per year versus the national average of $741 per year. Michigan drivers also pay more than drivers in surrounding states, with Indiana enjoying an average full coverage premium of $1,639 per year and Illinois drivers paying an average of $2,316 per year for full coverage. The average rates in the Great Lakes State are relatively high, but shopping for the cheapest car insurance companies in Michigan could help you get a lower premium.
The higher-than-average rates could be due in part to the millions of Michigan residents on the road and the additional 125 million visitors that visit the state each year. Michigan is no stranger to crowded roadways, which could lead to more accidents, and there are also year-round weather risks in the state that can cause higher rates. Michigan is also a no-fault state, which may contribute to its high average rates. Drivers are required to carry personal injury protection (PIP) coverage, which can pay for your injuries and the injuries of your passengers after an accident, regardless of who was at fault.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|
Utica | $3,059 | -10% |
Pleasant Ridge | $3,401 | +1% |
Flint | $3,509 | +4% |
Livonia | $3,087 | -9% |
Bloomfield Hills | $3,035 | -11% |
Sterling Heights | $3,300 | -2% |
New Baltimore | $3,272 | -3% |
Royal Oak | $3,278 | -3% |
Troy | $3,170 | -6% |
Clinton Township | $3,488 | +3% |
New Haven | $3,235 | -4% |
Huntington Woods | $3,468 | +3% |
Warren | $3,739 | +10% |
Belleville | $3,344 | -1% |
Grosse Ile | $3,143 | -7% |
Lincoln Park | $3,514 | +4% |
Taylor | $3,553 | +5% |
Westland | $3,414 | +1% |
Birmingham | $3,161 | -7% |
West Bloomfield | $3,116 | -8% |
Pontiac | $3,581 | +6% |
Eastpointe | $4,127 | +20% |
Franklin | $3,330 | -1% |
Wayne | $3,546 | +5% |
Grosse Pointe | $3,478 | +3% |
Berkley | $3,263 | -3% |
Saint Clair Shores | $3,361 | -0% |
Armada | $3,161 | -7% |
Dearborn Heights | $3,856 | +13% |
Keego Harbor | $2,943 | -14% |
Allen Park | $3,632 | +7% |
Burton | $3,026 | -11% |
Wyandotte | $3,296 | -2% |
Redford | $3,905 | +15% |
Mount Clemens | $3,517 | +4% |
Garden City | $3,527 | +4% |
Romulus | $3,452 | +2% |
Fraser | $3,668 | +8% |
Mount Morris | $3,293 | -2% |
Riverview | $3,223 | -5% |
Clawson | $3,233 | -4% |
Trenton | $3,218 | -5% |
Southgate | $3,352 | -1% |
Ferndale | $3,530 | +4% |
Macomb | $3,294 | -2% |
Roseville | $3,762 | +11% |
Flat Rock | $3,207 | -5% |
Harrison Township | $3,703 | +9% |
Madison Heights | $3,469 | +3% |
New Boston | $3,169 | -6% |
Estimate your car insurance cost in Michigan
With the calculator below, you can get a rough estimate of your Michigan car insurance cost by entering a couple of pieces of information. While it’s not an exact quote, it can help give you a general ballpark of what your insurance costs will be in Michigan.
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Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze the latest rates in February 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.