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Best car insurance in Michigan for 2024

Updated Jun 01, 2024
Geico, USAA and Progressive write some of the best car insurance in Michigan.
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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.

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 $2,947 for full coverage and $907 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
$1,530
$603
4.2
Rating: 4.2 stars out of 5
$1,849
$494
4.4
Rating: 4.4 stars out of 5
$2,417
$835
4.3
Rating: 4.3 stars out of 5
$2,224
$476
4.2
Rating: 4.2 stars out of 5
$2,291
$447

Geico

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$128/mo

Avg. full coverage premium

$1,530/yr

Customer satisfaction

831/1,000

USAA

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$154/mo

Avg. full coverage premium

$1,849/yr

Customer satisfaction

Not rated

Progressive

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$201/mo

Avg. full coverage premium

$2,417/yr

Customer satisfaction

816/1,000

Auto-Owners

Auto-Owners

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$185/mo

Avg. full coverage premium

$2,224/yr

Customer satisfaction

833/1,000

Travelers

Travelers

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$191/mo

Avg. full coverage premium

$2,291/yr

Customer satisfaction

806/1,000

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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.

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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

34.5K

ZIP codes examined

1.2M

quotes analyzed

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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 to find the best car insurance in Michigan

Finding the best car insurance in Michigan will typically require comparing quotes from a few different providers. You may be surprised to see a broad range of potential premiums. Since each company uses its own proprietary algorithms to determine rates, you could save significantly by shopping around. Here are some other considerations you may want to think about when looking for the best car insurance in Michigan.

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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 $2,947 per year for full coverage, far more than the national average of $2,311 per year. Michigan residents also pay more for minimum coverage car insurance at $907 per year versus the national average of $640 per year. Michigan drivers also pay more than drivers in surrounding states, with Indiana enjoying an average full coverage premium of $1,686 per year and Illinois drivers paying an average of $2,087 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.

Michigan is no stranger to crowded roadways in larger cities, which leads to more accidents and higher rates. The state also experiences harsh winter weather and has one of the highest rates of uninsured motorists. Michigan is 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