Best Car Insurance in Michigan (2025)

Liability car insurance rates start at $57 per month in Michigan.

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Cheapest recent car insurance quotes in Michigan

Drivers using Insurify have found quotes as cheap as $60/mo for liability only and $104/mo for full coverage in Michigan.

*Quotes generated for Insurify users from Michigan within the last 10 days. Last updated on June 16, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 16, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Michigan within the last 10 days. Last updated on June 16, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 16, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
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Alani es una escritora independiente especializada en finanzas personales. Su objetivo es hacer que los temas complejos sean más accesibles a través de contenidos divertidos y digestibles.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 15+ years in content creation

  • 7+ years in business and financial services content

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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 Lakes State.

Auto-Owners: Best Overall

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.
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.
$57/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.
$104/mo
3.9
A solid optionBased on 199 verified guest 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 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 For
Cheap rates
Senior drivers
Ample discounts
Reviews (119)

Roy

June 5, 2025

Verified Review

I don't have anything to add

Good company, but I didn't care for their premiums going up this year just for liability and roadside service.

Ann

June 1, 2025

Verified Review

Satisfaction

I like paying all at one time.

Jason

May 8, 2025

Verified Review

Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.

Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.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 not available online

  • Available in only 26 U.S. states

  • Below-average J.D. Power customer satisfaction score in Michigan

GEICO: Best for cheap car insurance

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.
9.2 /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.
$184/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.
$236/mo
4.0
Best choiceBased on 11,947 verified guest 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 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 For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,421)

William

June 10, 2025

Verified Review

There was no problem. If I had a problem or a question, it was rectified. Howard, who was our service representative, was helpful. My son is the reason I don't have it now.

There was no problem. If I had a problem or a question, it was rectified. Howard, who was our service representative, was helpful. My son is the reason I don't have it now.

Peter

June 8, 2025

Verified Review

Average Insurance. Constant Price Hikes.

Beware of the constant price hikes despite having no accidents or tickets for 40 years.

Philip

June 5, 2025

Verified Review

High Price for Full Coverage

They are good but offer no rate deductions.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
847
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.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 Michigan

  • Limited agent network

  • Rideshare and gap insurance not available

Nationwide: Best for customer service

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.
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.
$117/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.
$212/mo
4.3
Best choiceBased on 864 verified guest 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 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 For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Reviews (484)

Bettye

June 10, 2025

Verified Review

BG's Lament

They will not give you a bundle price, and are higher than other companies. You wonder if you are being given all the reductions allowed for a good driving record, living in Florida.

Nicholas

May 14, 2025

Verified Review

Poor

Nationwide is very overpriced for what they offer.

Ronald

May 11, 2025

Verified Review

Nationwide opinion

Nothing bad about Nationwide, but it needed to be more affordable.
See all Nationwide reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
809
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7
A.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 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.
$58/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.
$105/mo
4.9
Best choiceBased on 2,093 verified guest 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 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 For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,191)

Marlon

June 15, 2025

Verified Review

Don't let them hook you

Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.

Timothy

June 10, 2025

Verified Review

The Old Bait and Switch

There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.

Norman

June 7, 2025

Verified Review

USAA Value

Expensive for coverage.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
891
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.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 Michigan

  • 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
4.1
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.
$119/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.
$216/mo
4.1
Best choiceBased on 11,208 verified guest 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 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 For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,023)

Connie

June 15, 2025

Verified Review

Lack of Communication and Unexplained Premium Increases

It seems like my monthly premium goes up every few months without any explanation. I have only had one minor accident with them almost three years ago. They did process the claim right away and let me take it to the place I requested, which was nice because they did a great job fixing it.

Mark

June 14, 2025

Verified Review

State Farm: Reliable and Fair

Auto premium spiked but it may be related to owning a Tesla, and it appears to be in line with other insurers.

Conrad

June 13, 2025

Verified Review

Good and Bad with State Farm

Long-term customer, great rates. Local agents are terrible with poor office management and poorly trained/motivated employees.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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
  • Above-average J.D. Power customer satisfaction rating in Michigan

  • Largest auto insurance company in the U.S. by market share

  • Rideshare insurance available

Cons
  • Limited optional coverages compared to competitors

  • Negative customer reviews on Trustpilot

  • May have higher rates than other competitors

  • 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:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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, your state may also require you to carry an SR-22, which only some insurers offer.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/243feaaa23/contact-us-96x96-orange_033-rating.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/0a6ece6bd6/insurify-icons-auto-green-96x96_013-family.svg

    Read reviews from policyholders

    Get insights into other drivers’ experiences with a company by visiting customer review sites. Some popular ones include Trustpilot, the Better Business Bureau (BBB), and Consumer Reports. You can also look at its Google Play and App Store scores to gauge reception to its mobile app.

  • illustration card https://a.storyblok.com/f/162273/150x150/0f334ec089/insurify-icons-auto-blue-96x96_045-document.svg

    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 $168 per month. Your quote will vary based on your ZIP code, insurance company, age, credit history, 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 $168 per month, and the average rate for full-coverage car insurance is $242 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 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

Sources

  1. NAIC. "PROPERTY AND CASUALTY INSURANCE INDUSTRY 2023 TOP 25 GROUPS AND COMPANIES BY COUNTRYWIDE PREMIUM."
  2. United States Census. "Michigan."
  3. Michigan's New Auto Insurance Law. "FAQs."
Alani Asis
Alani Asis

Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.

Alani has been a contributor at Insurify since January 2023.

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
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

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