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Best Car Insurance in Michigan (2026)

Liability car insurance rates start at $72 per month in Michigan.

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Cheapest recent car insurance quotes in Michigan

Drivers using Insurify have found quotes as cheap as $58/mo for liability only and $113/mo for full coverage in Michigan.

*Quotes generated for Insurify users from Michigan within the last 10 days. Last updated on March 19, 2026. 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 March 19, 2026. 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 March 19, 2026. 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 March 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Alani Asis
Written byAlani Asis
Alani Asis
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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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

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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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
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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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.
$118/mo
4.3
Best choice in MichiganBased on 320 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 9 reviews from Michigan drivers - See all 148 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.
David
Verified Review
Getting Expensive
Reviewed in Michigan on October 6, 2025
I've been with them for 15 years and received $3,200 back when a tree fell on my roof. It seems I'm in the hole for $19,776.00 over these years.
Linda
Verified Review
Best Claim Service
Reviewed in Michigan on August 23, 2025
When a driver drove into my back end, the communication and service were excellent!
Bruce C
Verified Review
Auto-Owners OK
Reviewed in Michigan on August 14, 2025
Return calls and information are relatively fast. Previous attempts to find a lower-cost policy have been fruitless.
Thomas
Verified Review
Fair Insurance, One Bad Agent
Reviewed in Michigan on July 4, 2025
I had a bad agent, but the prices are kind of high, yet they are the lowest among the big four insurance companies.
Richard
Verified Review
Time to Compare Rates
Reviewed in Michigan on April 19, 2025
I have had no problems with Auto-Owners, I just want to compare rates.
Mike
Verified Review
Unexpected Rate Increase
Reviewed in Michigan on March 27, 2025
The service was not satisfactory. Our rates were tripled without any notification.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
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 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.
$178/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
3.9
A solid option in MichiganBased on 16,563 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 7,499 GEICO reviews
Ayla
Verified Review
Excellent
Reviewed in Maryland on March 22, 2026
Great. Easy to file a claim through their app and they are very flexible on payment dates.
Ejack
Verified Review
Knowledgeable, Professional, and Patient
Reviewed in Maryland on March 22, 2026
Good service.
Johnny
Verified Review
I love the Lizard!
Reviewed in California on March 22, 2026
Excellent! The agent was such a sweetheart.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641
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 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.
$147/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.
$240/mo
4.2
Best choice in MichiganBased on 956 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 513 Nationwide reviews
Patricia
Verified Review
Bad Communication
Reviewed in South Carolina on March 18, 2026
They never informed me about the increase until it was time to renew, and they didn't explain why the increase occurred.
Edward
Verified Review
Loyalty means nothing
Reviewed in Pennsylvania on March 3, 2026
I have been with this insurance company for 50 years, and I feel like I've been overpaying the entire time. They never tried to save me money. It's a good idea to shop around and save money.
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!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
688
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 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.
$119/mo
4.9
Best choice in MichiganBased on 3,254 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 8 reviews from Michigan drivers - See all 1,502 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!
Natalie
Verified Review
Like any insurance, I feel like I'm dealing with a bookie. They are betting I'm going to screw up, and they adjust for a rock hitting the windshield. I have a 20-year-old Toyota on PLPD, which I call car hospice. I don't feel I should be paying for an agent.
Reviewed in Michigan on September 30, 2025
Like any insurance, I feel like I'm dealing with a bookie. They are betting I'm going to screw up, and they adjust for a rock hitting the windshield. I have a 20-year-old Toyota on PLPD, which I call car hospice. I don't feel I should be paying for an agent.
Elisabeth
Verified Review
USAA
Reviewed in Michigan on August 13, 2025
Excellent, especially customer service.
Nathaniel
Verified Review
Hopefully you don't actually need it
Reviewed in Michigan on April 26, 2025
It was cheap until I went in the ditch and actually needed my insurance. They doubled my premiums.
Patrick
Verified Review
Price Hiked!
Reviewed in Michigan on April 25, 2025
Search for a lower price if you have a great driving record and payment history!
Michael
Verified Review
Satisfied!
Reviewed in Michigan on March 27, 2025
Very good!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
726
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 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.
$150/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.
$244/mo
4.0
Best choice in MichiganBased on 16,338 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 55 reviews from Michigan drivers - See all 7,276 State Farm reviews
Kathleen
Verified Review
Positive insurance agency
Reviewed in Michigan on March 22, 2026
Claims are very easy to file. My policy covers home, auto, and boat. I think the insurance is high, but I checked around and no one can beat their price.
Mike
Verified Review
Very disappointed
Reviewed in Michigan on March 18, 2026
They're okay, but the cost has skyrocketed for no apparent reason.
Ellen
Verified Review
State Farm
Reviewed in Michigan on March 14, 2026
The only reason I'm changing my current car insurance is because I found cheaper insurance through someone else.
Kelly
Verified Review
Agents never notify you when documents are expiring. I was charged a higher premium due to not providing the documents in a timely manner.
Reviewed in Michigan on March 13, 2026
Agents never notify you when documents are expiring. I was charged a higher premium due to not providing the documents in a timely manner.
Ir
Verified Review
Excellent
Reviewed in Michigan on March 12, 2026
Don't deal with an agent that doesn't respond to your questions or needs.
Darwin
Verified Review
Need Better Prices
Reviewed in Michigan on March 6, 2026
I have no tickets, no accidents, and the price keeps going up.
Wade
Verified Review
Insurance Ripoff
Reviewed in Michigan on March 4, 2026
The agents have all been top-notch since I was 16 years old. I went with Progressive for a few years but have come back to them. I'm 61, a retired crane/heavy equipment operator for 40 years. If you have any idea about the operation of machinery and the concentration it demands, that bleeds over to personal life decisions daily. I have had no accidents since 2003, no DUI or speeding tickets in I can't remember how long. I pay $393.12 a month.
Pamela
Verified Review
Insurance
Reviewed in Michigan on March 2, 2026
Love them. Just don't like the price. It keeps going up and up.
Jo
Verified Review
Fair
Reviewed in Michigan on March 1, 2026
After decades of loyalty, I continue to pay more (3-4x) and they continue to pay less.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
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
  • 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:

  • 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, Michigan also requires 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 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 $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

Related articles

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
Written byAlani AsisFreelance Personal Finance and Insurance Writer
Alani Asis
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

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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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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.

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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Mark Friedlander
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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Excellent
4.7 out of 5 based on 12,828 reviews
Secure. Free. Easy-to-use.
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