Best Car Insurance in Michigan (2026)
Liability car insurance rates start at $72 per month in Michigan.
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Written byAlani Asis
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Alani AsisFreelance Personal Finance and Insurance Writer
4-plus years of insurance writing
Bylines in top personal finance publications
Alani specializes in writing empathetic, actionable articles about insurance and personal finance. Her work has appeared in top publications like U.S. News and Fortune.
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Edited byChris Schafer
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Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Finding the right car insurance can be difficult. This is especially true in Michigan, one of the most expensive U.S. states for car insurance.
But the good news is you have ways to lower your rates. Here’s what you should know about finding the best car insurance in Michigan.
Best car insurance companies in Michigan
The best car insurance for you depends on your coverage needs and budget. As you begin your search, consider these top insurers in the Great Lake State.
Auto-Owners: Best Overall
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $72/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
4.3
Best choice in MichiganBased on 306 verified driver reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Michigan for
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Michigan for
Cheap rates
Senior drivers
Ample discounts
Showing 11 reviews from Michigan drivers - See all 145 Auto-Owners reviews
Paul
Verified Review
Auto Owners
Reviewed in Michigan on February 10, 2026
Auto Owners' rates have increased year after year.
Scott
Verified Review
Poor
Reviewed in Michigan on January 28, 2026
Prices are too high.
William
Verified Review
Claims handled great but very expensive
Reviewed in Michigan on January 16, 2026
Way too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners is Insurify’s top pick for car insurance in Michigan. It provides the lowest rates for Michigan drivers with different driving records and also offers various discounts for more savings.
Pros
Low rates for drivers with moving violations
Rental car coverage available
Several student- and policy-based discounts available
Cons
Quotes and policy issuance only available through company's independent agents
Available in only 26 U.S. states
Below-average J.D. Power customer satisfaction score in the North Central Region
GEICO: Best for cheap car insurance
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $177/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $242/mo |
3.9
A solid option in MichiganBased on 15,836 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Michigan for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Michigan for
Teen drivers
Cheap rates
Accident forgiveness
Showing recent national reviews - See all 7,394 GEICO reviews
Margaret
Verified Review
The Big Switch
Reviewed in Georgia on March 1, 2026
GEICO was good, but they were so expensive and I wasn’t able to keep it up.
Gary
Verified Review
Expensive
Reviewed in North Carolina on March 1, 2026
Good but expensive.
Diane
Verified Review
Shop around, it’s worth your time
Reviewed in Utah on February 28, 2026
Better coverage and lower price than Geico. Highly recommend.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Michigan has some of the most expensive car insurance policies in the U.S. If you want to save on your policy, consider GEICO. The company provides affordable car insurance and a list of unique discount options.
Pros
Many available discounts
Intuitive website and mobile app
24/7 customer service
Cons
Below-average J.D. Power customer satisfaction rating in the North Central Region
Limited network of local agents
Rideshare and gap insurance not available
Nationwide: Best for customer service
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $146/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $238/mo |
4.2
Best choice in MichiganBased on 941 verified driver reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Michigan for
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Michigan for
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Showing recent national reviews - See all 511 Nationwide reviews
Thomas
Verified Review
Angry Loyal Customer
Reviewed in New York on February 28, 2026
Too expensive for a great and safe driver who drives 7,000 miles per year in a 15-year-old car!
Walter Mike
Verified Review
Fed up with high rates just because they can
Reviewed in North Carolina on February 24, 2026
I thought it was good until they started raising my rates for no good reason other than what they said: everyone is getting a rate increase. Which didn’t sit well. I’m a senior citizen with a perfect driving record; all other things they check are really good, and I've been with this same company and agent for over 20 years. Undoubtedly, that doesn’t mean much. So much for loyalty and being a long-time customer. So I’m doing something different.
John
Verified Review
Great Company Nationwide
Reviewed in New York on February 24, 2026
Really good, prompt, courteous, and efficient.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
688NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Nationwide is the best option for customers seeking quality customer service in Michigan. It ranked second in customer satisfaction for the North Central region in J.D. Power’s 2024 U.S. Auto Insurance Study and has a below-average number of complaints with the National Association of Insurance Commissioners (NAIC), indicating a low volume of complaints for its size.
Pros
Cheaper-than-average premiums
One of the largest national car insurers by market share[1]
Safe driving discount of up to 40%
Cons
Limited number of coverage options compared to competitors
Certain discounts and programs not available in all states
May have higher rates than competitors
USAA: Best for military members and families
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $73/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $118/mo |
4.9
Best choice in MichiganBased on 3,089 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Michigan for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Michigan for
Members of the military community
Outstanding customer service
Competitive rates
Showing 9 reviews from Michigan drivers - See all 1,473 USAA reviews
Marcia
Verified Review
Good customer service and roadside assistance.
Reviewed in Michigan on January 22, 2026
I have not had to make any claims except for roadside assistance, and it went well. Their prices are rather high, though. I like the company and what they stand for, but I'm not sure if I can afford to keep them.
Lavonne
Verified Review
Lower Rate
Reviewed in Michigan on January 7, 2026
It's okay. Just way too expensive monthly and they never offered any discounts.
Halbert
Verified Review
Good
Reviewed in Michigan on October 20, 2025
Lowering car insurance rates!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
726NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
If you’re one of the 53,000 military-affiliated members in Michigan, you may qualify for USAA car insurance. With this company, members enjoy low rates, highly rated customer service, and special perks.
Pros
Competitive premiums
Strong J.D. Power customer service rating in the North Central Region
Access to unique perks and discounts
Cons
Only available to active-duty military members, veterans, and their immediate families
No 24/7 live customer support
Gap insurance not available
State Farm: Best for families
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $149/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $243/mo |
4.0
Best choice in MichiganBased on 15,602 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Michigan for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Michigan for
Customer service
Competitive rates
Discounts for safe drivers
Showing 52 reviews from Michigan drivers - See all 7,143 State Farm reviews
Marvin
Verified Review
Average
Reviewed in Michigan on February 26, 2026
$145 per month is outrageously high to me.
Hughie
Verified Review
Look elsewhere
Reviewed in Michigan on February 24, 2026
Shop around. Many places offer the same coverage cheaper. I'm currently looking for a better rate. I wouldn’t recommend this company.
Larry
Verified Review
Average
Reviewed in Michigan on February 15, 2026
State Farm is too expensive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Michigan is home to more than 4 million households — many of whom will need car insurance for multiple drivers.[2] If you must insure several drivers — especially teens or young adults — State Farm is a trusted choice for families. The company ranks well for customer service and offers several discounts for young drivers as well.
Pros
State Farm’s Steer Clear telematics program offers discounts for drivers under age 25
Above-average J.D. Power customer satisfaction rating in the North Central Region
Rideshare insurance available
Cons
Doesn't offer accident forgiveness
Negative customer reviews on Trustpilot
Payoff Protector (gap) coverage restricted to customers who originate an auto loan through State Farm Bank
Our editorial team analyzed regional and national auto insurance companies that sell policies in Michigan to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Michigan
The right car insurance policy protects you from the financial burden of a car accident or loss. Here are several tips to help you find the best car insurance in Michigan:
Determine your coverage needs
Before purchasing a policy, determine your needs by considering your risk factors as well as state or auto lender requirements. For example, you may need collision coverage if you commute regularly. Comprehensive coverage can also be beneficial if you’re concerned about theft or vandalism. If you’re a high-risk driver, Michigan also requires you to carry an SR-22, which only some insurers offer.
Compare insurance rates
Comparing quotes from three or more different insurers can provide you with the most accurate comparison and save you money. Just make sure you’re looking for the policy that best fits your needs and not judging a policy’s worth solely on price.
Consider company reputation
Evaluate a company’s credibility by checking its status with third-party rating agencies. AM Best reports on a company’s financial stability. J.D. Power ranks companies based on customer and claim satisfaction. The National Association of Insurance Commissioners measures an insurer’s volume of complaints compared to its size.
Read reviews from policyholders
Get insights into other drivers’ experiences with a company by visiting customer review sites. Some popular ones include Trustpilot and Consumer Reports. You can also look at its Google Play and App Store scores to gauge reception to its mobile app.
Review your policy regularly
Examine your policy at least once a year or after a major change that may affect your policy, such as a new address, marriage, or vehicle. This allows you to see if your coverage still meets your needs. You can also use this time to compare quotes to see if you can get better rates elsewhere.
Average cost of car insurance in Michigan
The average premium for liability car insurance in Michigan is $135 per month. Your quote will vary based on your insurance company, age, coverages, and more.
Michigan is a no-fault state, which means your car insurance will be more expensive than the national average. This is because drivers in no-fault states must carry more coverage, including personal injury protection, than drivers in at-fault states. More car insurance coverage increases your premiums.
Best car insurance in Michigan FAQs
If you still have questions about how to get the best car insurance rate in Michigan, check out the additional information below.
How much is car insurance in Michigan?
The average rate for liability coverage in Michigan is $135 per month, and the average rate for full-coverage car insurance is $211 per month. Michigan residents pay some of the highest average car insurance rates in the nation, in part because Michigan is a no-fault state.
What are the best car insurance companies in Michigan?
The best car insurance companies in Michigan are Auto-Owners, GEICO, Nationwide, USAA, and State Farm. The right insurance company for you will depend on your coverage needs and budget. That’s why it’s important to compare quotes from several companies before choosing the right policy for you.
What is the required auto insurance coverage amount in Michigan?
Michigan’s no-fault auto insurance law requires drivers to carry three types of coverage: personal injury protection (PIP), property protection insurance (PPI), and liability insurance.[3] Michigan law requires the following coverage amounts for each type.
PIP: Depends on health insurance coverage or exclusion eligibility
PPI: Defaults to $1 million of coverage for property damages for other people’s property, such as parked vehicles, buildings, and fences
Bodily liability insurance: Pays for medical expenses up to $50,000 per person and $100,000 per accident
Property damage liability insurance: $10,000 for property damage you cause in another state
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Sources
- NAIC. "PROPERTY AND CASUALTY INSURANCE INDUSTRY 2023 TOP 25 GROUPS AND COMPANIES BY COUNTRYWIDE PREMIUM."
- United States Census. "Michigan."
- Michigan's New Auto Insurance Law. "FAQs."
)
Alani AsisFreelance Personal Finance and Insurance Writer
4-plus years of insurance writing
Bylines in top personal finance publications
Alani specializes in writing empathetic, actionable articles about insurance and personal finance. Her work has appeared in top publications like U.S. News and Fortune.
Featured in
Alani specializes in writing empathetic, actionable articles about insurance and personal finance. Her work has appeared in top publications like U.S. News and Fortune.
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
