Best Car Insurance in Michigan (2025)
Liability car insurance rates start at $69 per month in Michigan.
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Written byAlani Asis
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3 años de experiencia en redacción de contenidos
Artículos en destacadas publicaciones financieras
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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7+ years in business and financial services content
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, 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
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. | $69/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. | $111/mo |
4.3
Best choiceBased on 259 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 (131)
Eugene
Verified Review
Insurance Company Issues
Reviewed in Iowa on November 2025
Cannot get information from the company. You go through an agent, and they don't get back to you. If you ask for a change on the policy, they start a new policy, which increases the cost you have to pay.
Chick
Verified Review
Disappointed! Would rather have TALKED to an actual person!
Reviewed in Wisconsin on November 2025
It has been excellent! I just wanted to compare prices, but unfortunately, I insure 6 vehicles and your website doesn’t allow me to include them all!
Ron
Verified Review
For now, USAA is too far away
Reviewed in Georgia on November 2025
My current insurance is through a broker in the next town, and although they are higher than USAA, I like that I can go into their office, sit, ask questions, and look at the person giving me the answers. I'm not comfortable dealing online with a company far away. I haven't made my final decision, but if USAA was significantly cheaper, I would consider them, even though my current insurance is higher. I like that I can go into their office and talk face-to-face, so I need to make my decision quickly. I'm leaning towards staying with my current insurance so I have more time to research and see if I can get comfortable with USAA, which is miles away and requires doing everything online. Even if they have offices, like in Atlanta, it's 2.5 hours away, and Nashville is 4.5 or 5 hours away. My insurance broker is currently 9 miles from my house.
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 | 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. | $180/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. | $237/mo |
4.0
Best choiceBased on 13,386 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 (6,893)
Quincy
Verified Review
Wrong insurance company
Reviewed in California on December 2025
They continue to raise the premium each year, and my car is 11 years old!
Jose
Verified Review
Compare Insurance Companies
Reviewed in New Mexico on December 2025
Shop around and compare prices and benefits.
Philip
Verified Review
Pleased but Shopping
Reviewed in Missouri on December 2025
I haven't needed them for any claims. My only concern is that the rates continue to rise despite our driving so little. I'm getting quotes from others to see how much I can save if we change companies.
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 | 4.3 |
|---|---|
| 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. | $141/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. | $226/mo |
4.3
Best choiceBased on 898 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 (499)
Joyce
Verified Review
Excellent
Reviewed in New York on November 2025
Find an insurance that helps out senior citizens.
Raymond
Verified Review
Above Average
Reviewed in New York on November 2025
Good experience, especially with the claims department.
Edward
Verified Review
Happy for the most part
Reviewed in Pennsylvania on November 2025
I haven’t had any claims, but roadside assistance could be better.
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. | $70/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. | $112/mo |
4.9
Best choiceBased on 2,443 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 (1,321)
Daniel
Verified Review
Outstanding Customer Service Personnel
Reviewed in Tennessee on December 2025
Customer service personnel are polite, courteous, and very professional.
Dennon
Verified Review
Top Notch Company
Reviewed in Florida on December 2025
Excellent in all respects. I've been with USAA for over 5 years and haven't had a single issue.
Richard
Verified Review
Really good
Reviewed in Kansas on December 2025
The cheapest insurance I can find. Others are over 100 bucks a month more.
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 | 4.1 |
|---|---|
| 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. | $143/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. | $231/mo |
4.1
Best choiceBased on 12,747 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 (6,567)
Betty
Verified Review
Stiffed by State Farm
Reviewed in Texas on December 2025
The insurance claim was handled poorly. I had to get a claim estimate from the dealer and refused the offer from the insurance company. I am very disgusted with the whole procedure. It took way too long to pay on the claim.
Joseph
Verified Review
Great Insurance Company
Reviewed in Florida on December 2025
Never had a problem.
Lawrence
Verified Review
Expect to be jerked around
Reviewed in Kansas on December 2025
I initially really liked State Farm. Then I bought a new truck and they gave me a quote which changed 3 times. It went from approximately $1K per year to over $5K. They said it had to be classified as a commercial vehicle when it's clearly personal. The DMV even has it as personal.
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 $137 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 $137 per month, and the average rate for full-coverage car insurance is $212 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."
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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.
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
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
