Skip to Main Content

Best car insurance in Michigan for 2024

Geico, USAA and Progressive write some of the best car insurance in Michigan.

Updated Feb 21, 2024
Powered by Coverage.com (NPN: 19966249)

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.

Compare car insurance rates
Answer a few questions to discover real rates from top-tier carriers in your area.
Location-Icon
Lock Secure Your information is secure
Badge No spam. No fees. No surprises.
Select from a variety of trusted carriers
+ MORE
User
Tell us a little about yourself
We’ll only ask for info we’re confident will impact your rate. That way, we can provide you with the most accurate and personalized offers.
Insurance Auto
Choose which policy is best for you
Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you’d like.
Congrats
Lock in your rate and policy details
Once you’re confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that’s it!

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
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,663
$715
4.2
Rating: 4.2 stars out of 5
$1,835
$501
4.4
Rating: 4.4 stars out of 5
$1,920
$855
4.3
Rating: 4.3 stars out of 5
$2,355
$546
4.2
Rating: 4.2 stars out of 5
$2,862
$216

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$144/mo

Avg. full coverage premium

$1,732/yr

Customer satisfaction

831/1,000

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$158/mo

Avg. full coverage premium

$1,892/yr

Customer satisfaction

Not rated

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$160/mo

Avg. full coverage premium

$1,920/yr

Customer satisfaction

816/1,000

Auto-Owners

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$209/mo

Avg. full coverage premium

$2,505/yr

Customer satisfaction

833/1,000

Travelers

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$239/mo

Avg. full coverage premium

$2,862/yr

Customer satisfaction

806/1,000

Lightbulb

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.

Bankrate logo

Why you can trust Bankrate

Read our full methodology

To 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

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age
Location-Icon
Lock Secure Your information is secure
SAVE WITH TRUSTED PROVIDERS
+ MORE
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

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.

Badge No spam. No fees. No surprises.
Caret Left Back
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Choose from offers in
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

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 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:

Ready for your quote?

Answer a few questions to see personalized rates from top carriers in Michigan

Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

City Avg. annual full coverage premium Avg. savings vs. state average

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.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

Caret DownCaret Up
Please select age
Lock Secure Your information is secure
Caret DownCaret Up
Please select credit score
Why we're asking
Methodology

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.

Clock Wait
46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
Savings

Compare rates and save on auto insurance today!

ZIP code
Close X
Written by
Natalie Todoroff
Writer, Insurance

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute