Best Car Insurance in Michigan (2025)
Liability car insurance rates start at $59 per month in Michigan.
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Written byAlani Asis
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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 Lakes State.
Auto-Owners: Best Overall
| 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. | 8.5 /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. | $59/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. | $107/mo |
4.0
Best choiceBased on 178 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 (113)
Joe
April 13, 2025
Verified Review
Survey
The customer service is good, but it's too expensive.
Wilmer
April 12, 2025
Verified Review
Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!
Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!
Charles
April 10, 2025
Verified Review
Unexpected Rate Increase After First Year
The rates significantly increased after the first year.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.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 /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. | $90/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. | $163/mo |
4.0
Best choiceBased on 11,402 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 (6,237)
Gerald
April 15, 2025
Verified Review
Very, Very Good
They provide great service to customers when needed.
Deidre
April 15, 2025
Verified Review
Geico is a good insurance company. I was satisfied with Geico. I've had them for 6 years and everything was good. But in these times, where you can save a dollar, you do. Thanks.
Geico is a good insurance company. I was satisfied with Geico. I've had them for 6 years and everything was good. But in these times, where you can save a dollar, you do. Thanks.
Nerlande
April 15, 2025
Verified Review
Too Expensive
My advice would be not to use them. They are far too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
847NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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 | 4.4 |
|---|---|
| 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. | 8.7 /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. | $120/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. | $218/mo |
4.4
Best choiceBased on 843 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 (474)
Catherine
April 15, 2025
Verified Review
Good
Updates on new and discounted options are not as good.
Richard
April 10, 2025
Verified Review
High Car Insurance Rates
I'm not a fan of having to call a 1-800 number to file a claim. I prefer speaking to a local representative. The rates are becoming too high. Nationwide and State Farm have the highest rates in our area, charging over $100 more per month per vehicle than other insurance companies. In these times, rates should be competitive, not the highest.
Steve
April 9, 2025
Verified Review
Could Have Done Better
They were great until they decided not to renew my policies. The way they notified my wife and I was not very good at all.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
809NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.64A.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. | 9.4 /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. | $59/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. | $108/mo |
4.9
Best choiceBased on 1,916 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 (1,113)
Richard
April 14, 2025
Verified Review
Auto Premiums Becoming Unaffordable for Senior Vets; Homeowners Insurance Not Direct
This company provided great car insurance for decades. However, increasing premiums have led me to start comparison shopping.
Alan
April 14, 2025
Verified Review
Time for a Change
Great experience.
William
April 14, 2025
Verified Review
Too Expensive for Me
I drive about 800-900 miles a month and I have to look for a different company for better rates. I believe that I have found a better deal at half the price.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
891NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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 | 4.2 |
|---|---|
| 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. | 9.3 /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. | $122/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. | $222/mo |
4.2
Best choiceBased on 10,479 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 (5,768)
Charles
April 15, 2025
Verified Review
Expensive
State Farm is expensive.
Declan
April 15, 2025
Verified Review
Mediocre when it comes to protecting your most important assets
I would probably avoid this company and look at other options due to the constant headaches they have put me through.
Joshua
April 15, 2025
Verified Review
Premiums too expensive
The premiums are too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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:
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.
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, 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.
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 $171 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 $171 per month, and the average rate for full-coverage car insurance is $274 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
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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.
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