Best car insurance in Michigan for 2025

To identify the insurers we consider among the “best” in Michigan, our team started by analyzing average premium data from Quadrant Information Services to find insurers with competitive rates for one or more groups. We then analyzed non-cost factors like the level and quality of service provided by each carrier, the availability and usefulness of their digital tools and the coverage and discount offerings provided.

Each carrier featured here has a Bankrate Score, which reflects how well it meets insurance customers' needs on a national scale. Bankrate Scores are assigned on a five-point scale which takes into account pricing, service, coverage options, availability, digital tools and more.

When looking for car insurance, your individual needs may decide which carrier you go with. If you have new or young drivers in the household, a carrier with teen driving discounts may work best for you. If you have several accidents or tickets on your driving history, you may need a non-standard carrier that offers an SR-22. 

Drivers with a lease or loan typically need full coverage insurance, which includes comprehensive and collision coverage. Leasing companies can also require drivers to have higher liability limits and gap coverage, both of which can increase your premium. 

When comparing car insurance companies, look beyond just low insurance rates to see how customers rate their experiences. J.D. Power’s Auto Insurance and Claims Satisfaction Studies reveal how well insurers handle services and claims, while the National Association of Insurance Commissioners Complaint Index shows how often customers file complaints compared to competitors.

You can also check financial stability ratings from agencies like AM Best or Standard & Poor’s, which gauge a company's ability to pay claims. Together, these tools help you spot insurers that deliver strong service and dependable coverage. 

When it comes to car insurance, the size of a company can make a difference in your customer experience. Smaller insurers often stand out for their hands-on service and community focus. You might work with the same agent every time and get quicker help when something goes wrong. But they may have fewer digital tools, coverage options or nationwide perks than big-name insurers. 

The cheapest car insurance company in Michigan varies by driver. Personal characteristics like your age, driving record, coverage needs and budget determine which company offers the cheapest rates for you. It’s worth taking the time to compare the same coverage types, limits and deductibles from multiple companies to find which carrier has the best rate without sacrificing the coverage you need. Consider checking quotes at each policy renewal to ensure you continue to pay the lowest rates for the most coverage.

Full coverage typically refers to an auto insurance policy that has comprehensive and collision coverage, on top of minimum required coverage for the state of Michigan. What is important for Michigan drivers to remember is that the required property protection insurance (PPI) of $1 million only applies to accidents within Michigan. If drivers want to have more property damage coverage when driving outside of the state, they should increase their property damage liability limits beyond the state minimum of $10,000. In fact, most experts recommend carrying higher liability limits overall to give yourself stronger financial protection no matter where you drive. 

To get car insurance in Michigan, you’ll need a few essentials: a valid driver’s license and the vehicle identification number (VIN). You may also need proof of address and a qualified health coverage document, depending on which level of personal injury protection you select. To make the auto insurance quoting process more accurate, know of any accidents and moving violations that you and any other drivers on your policy have had over the past five years. Having a current copy of your coverage limits may also be helpful. Once the policy is issued, your ID card will serve as your proof of insurance to register your vehicle.