Skip to Main Content
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.

Best car insurance in Michigan for 2023

Updated Sep 13, 2023
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 2023 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 $2,691 for full coverage and $1,104 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 and may not be on this list.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (North Central region)
847
/1,000
Average monthly full coverage premium
$112
Average annual full coverage premium
$1,346
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (North Central region)
891
/1,000
Average monthly full coverage premium
$115
Average annual full coverage premium
$1,375
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (North Central region)
827
/1,000
Average monthly full coverage premium
$140
Average annual full coverage premium
$1,682
Auto-Owners
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (North Central region)
834
/1,000
Average monthly full coverage premium
$179
Average annual full coverage premium
$2,152
Travelers
Rating: 4 stars out of 5
4.0
Bankrate Score
Info
J.D. Power score (North Central region)
818
/1,000
Average monthly full coverage premium
$187
Average annual full coverage premium
$2,246
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.

USAA not officially ranked by J.D. Power due to eligibility restrictions

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (North Central region)
847
/1,000
Average monthly minimum coverage premium
$53
Average annual minimum coverage premium
$630
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (North Central region)
891
/1,000
Average monthly minimum coverage premium
$29
Average annual minimum coverage premium
$350
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (North Central region)
827
/1,000
Average monthly minimum coverage premium
$75
Average annual minimum coverage premium
$903
Auto-Owners
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (North Central region)
834
/1,000
Average monthly minimum coverage premium
$43
Average annual minimum coverage premium
$510
Travelers
Rating: 4 stars out of 5
4.0
Bankrate Score
Info
J.D. Power score (North Central region)
818
/1,000
Average monthly minimum coverage premium
$13
Average annual minimum coverage premium
$155
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.

USAA not officially ranked by J.D. Power due to eligibility restrictions

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.

Best for tight budgets

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 847/1,000 AM Best: A++

Average annual premium

$ 1,346 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Geico made our list: Geico offers a slew of discounts as well as above-average customer satisfaction according to J.D. Power. However, Geico doesn’t offer many options for endorsements, so if you’re hoping to build a personalized policy, it may not be the right company.

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.

Read full Geico review

Best for military-focused coverage

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 891/1,000 AM Best: A++

Average annual premium

$ 1,375 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

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.

Who USAA may be good for: If you are a military member, veteran or qualifying family member, you may be eligible for USAA insurance coverage. The company tailors its products to the needs of military families and offers unique features, like savings if you garage your vehicle on a military base.

Read full USAA review

Best for policy management

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 827/1,000 AM Best: A+

Average annual premium

$ 1,682 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

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.

Who Progressive may be good for: Progressive could be a good choice for drivers looking for 24/7 customer support, unique coverage options and multiple discount opportunities, as well as robust digital tools. Progressive may also be an option for high-risk drivers due to its nonstandard auto insurance program.

Read full Progressive review

Best for local agents

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 834/1,000 AM Best: A++

Average annual premium

$ 2,152 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

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. 

Who Auto-Owners may be good for: Auto-Owners offers its products exclusively through independent agents, so if you prefer to handle your insurance face-to-face, Auto-Owners might be a good option. The company does not have an online quote tool though, so it may not appeal to drivers looking for digital options when shopping for coverage.

Read full Auto-Owners review

Best for customizable policies

Rating: 4 stars out of 5
4 Bankrate Score
JD Power: 818/1,000 AM Best: A++

Average annual premium

$ 2,246 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Travelers made our list: Travelers offers numerous coverage options to help Michigan drivers customize their car insurance to their specific needs. 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.

Who Travelers may be good for: If you’re looking for Michigan auto insurance that you can customize to your needs, Travelers might be a good option. You could consider adding endorsements like gap coverage, new car replacement, roadside assistance or accident forgiveness.

Read full Travelers review

How Bankrate chose the best car insurance companies in Michigan

To find the best Michigan auto insurance companies, 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.

How much is car insurance in Michigan?

The average cost of car insurance in Michigan is $2,691 per year for full coverage, far more than the national average of $2,014 per year. Michigan residents also pay more for minimum coverage car insurance at $1,104 per year versus the national average of $622 per year. Michigan drivers also pay more than drivers in surrounding states, with Indiana enjoying an average full coverage premium of $1,295 per year and Illinois drivers paying an average of $1,806 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. 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 pays for your injuries and the injuries of your passengers after an accident, regardless of who was at fault.

Average annual premium for full coverage in Michigan Average annual premium for minimum coverage in Michigan
$2,691 $1,104

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. In general, there are a few ways you can assess your insurance needs to help you find the coverage that is right for you.

Consider minimum insurance requirements in Michigan

Auto insurance is required by law in Michigan, as it is in most states. In Michigan, you must carry at least certain minimum insurance coverage types and limits to drive legally. Because Michigan is a no-fault state, there are car insurance requirements in addition to bodily injury liability and property damage liability coverage; you must also purchase personal injury protection (PIP) and personal property insurance (PPI). Understanding your state’s minimum car insurance coverage requirements might help you determine if you need to buy higher limits, as many insurance experts suggest. Higher levels of bodily injury liability and property damage liability offer more financial protection.

Consider lender requirements

State minimum coverage does not include any physical damage coverage for your vehicle. You would need full coverage car insurance for that. If you have a loan or lease on your vehicle, your lender will likely require that you carry full coverage, which means adding comprehensive and collision coverage to your insurance policy. It could also mean carrying higher bodily injury and property damage liability limits. Lessors typically require you to carry these higher coverage limits when leasing a vehicle.

You could also consider gap insurance. This coverage is designed to pay for the difference in your new vehicle’s cash value and the balance of your loan. Having this coverage might help you avoid financial stress if your vehicle is totaled and the payout is less than what you still owe.

Consider your individual needs

Your driving history, type of vehicle and age are among numerous rating factors auto insurers use to determine your rate. One thing to note, however, is that Michigan bans the use of credit scores as a car insurance rating factor. When shopping for auto insurance in Michigan, consider if you are looking for the cheapest auto insurance rate, a company with digital assets, strong customer service ratings or a wide variety of coverage options. Once you determine what you are looking for, you can get quotes to compare them.

Michigan has the second-highest percentage of uninsured drivers in the nation. According to data from the Insurance Research Council, 25.5 percent of Michigan motorists were estimated to be uninsured as of 2019. Uninsured motorist coverage may be worth considering, as it could help pay your bills if an uninsured driver hits you.

Auto Car Guides

Looking to save money on auto insurance?

ADVERTISEMENT
People with dog on back of truck
Progressive logo
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.

Frequently asked questions

Savings

Compare rates and save on auto insurance today!

ZIP code
Close X
Written by
Cate Deventer
Former Writer & Editor, Insurance
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by Senior Editor, Insurance
Reviewed by Senior wealth manager, LourdMurray