Best Car Insurance in Michigan (2026)
Nationwide, Auto-Owners, and Westfield are among the top car insurance companies in Michigan.
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Written byElizabeth Rivelli
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Elizabeth RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Best car insurance companies in Michigan
To find the best car insurance in Michigan, Insurify analyzed 120+ insurance companies based on factors like discounts, average cost, customer service, and coverage options.
Nationwide: Best overall
| User Reviews | 4.3 |
|---|
4.3
Best choice in MichiganBased on 1,023 verified driver reviews and ratings
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Michigan for
Showing recent national reviewsSee all 525 Nationwide reviews
Verified Review
Reviewed in Pennsylvania on August 14, 2026
Hard to get in contact with. Don’t expect a fast response.
Verified Review
Reviewed in Pennsylvania on July 23, 2026
Fair for the money.
Verified Review
Reviewed in North Carolina on July 16, 2026
It’s really too high for our age, considering we haven’t had tickets, DUIs, or a claim filed in over 20 years.
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 offers excellent customer service to drivers in Michigan. It was ranked second for overall customer satisfaction by J.D. Power in the North Central region, and it has fewer complaints than expected from the National Association of Insurance Commissioners (NAIC).
Nationwide also offers a variety of endorsements, which can be valuable if you want to customize your policy with add-ons like accident forgiveness or a vanishing deductible.
Pros
High customer satisfaction score
Good selection of optional endorsements
Dozens of agents throughout the state
Cons
More limited discounts than some competitors
Doesn’t have 24/7 customer service
Slightly lower financial stability rating than other “best” Michigan insurers
Auto-Owners: Best for low rates
| 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. | $68/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
4.3
Best choice in MichiganBased on 357 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Michigan for
Showing 5 reviews from Michigan driversSee all 155 Auto-Owners reviews
Verified Review
Reviewed in Michigan on February 10, 2026
Auto Owners' rates have increased year after year.
Verified Review
Reviewed in Michigan on January 28, 2026
Prices are too high.
Verified Review
Reviewed in Michigan on January 16, 2026
Way too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
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 has some of the cheapest car insurance premiums in Michigan, based on Insurify quote data. It also offers many car insurance discounts, including savings for policy bundling, good students, paying in full, customer loyalty, and more.
You can’t get a quote or purchase a policy online, but Auto-Owners has independent agents in most major cities in Michigan, including Lansing, Ann Arbor, Traverse City, Grand Rapids, and Detroit.
Pros
Premiums are below the Michigan average
Several add-on coverages available
Many discounts for additional savings
Cons
Doesn’t offer online car insurance quotes
Below-average J.D. Power customer satisfaction rating in the North Central region
Customer service isn’t available over the weekend
Westfield: Best for auto and home bundling
| User Reviews | 4.1 |
|---|
4.1
Best choice in MichiganBased on 32 verified driver reviews and ratings
Westfield's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.6 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.4 | 2.9 |
How drivers feel about Westfield
Customers appreciate the quick customer service and consistent rates but dislike the high cost and unexplained rate increases.
Based on analysis of verified reviews collected by Insurify
Best in Michigan for
Showing recent national reviews
Verified Review
Reviewed in West Virginia on March 5, 2026
I am a senior veteran without claims, no accidents, and no tickets. My vehicle is 18 years old, yet my auto insurance is over $100/month. It appears there is no acknowledgment of my good condition.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
676
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.33
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).
NR
Why we picked this company
If you own a home in Michigan, you might be able to get cheap insurance by bundling your home insurance and auto insurance with Westfield.
The WesPak policy combines home and car insurance with unique coverages like expanded replacement cost coverage, higher limits for personal property, built-in gap insurance, and trip interruption coverage. WesPak policyholders also get free Ting sensors, which can detect electrical fires in your home.
Pros
Home and auto bundle provides customized coverage
Above-average J.D. Power customer satisfaction rating in the North Central region
Westfield’s MissionSafe usage-based car insurance program can save drivers an average of 20%, and up to 40%
Cons
More complaints than expected from the NAIC
Limited discount opportunities
Must work with an agent to buy a policy
Grange: Best for discounts
| User Reviews | 4.0 |
|---|
4.0
Best choice in MichiganBased on 55 verified driver reviews and ratings
Grange's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.1 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.0 | 2.9 |
How drivers feel about Grange
Customers appreciate the high coverage and value but dislike the constant rate increases and lack of communication.
Based on analysis of verified reviews collected by Insurify
Best in Michigan for
Showing recent national reviewsSee all 28 Grange reviews
Verified Review
Reviewed in Indiana on June 6, 2026
Great agent. No claims. No problems.
Verified Review
Reviewed in Ohio on February 9, 2026
They doubled my premium in 3 years. I had 3-4 different people handling my claim. There was no help in how to handle my claim with the other company. Their attorneys are worthless and did not bother to get the facts straight to do arbitration.
Verified Review
Reviewed in Kentucky on January 27, 2026
The good: they answer the phone and speak English. The bad: they're expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
655
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3
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).
NR
Why we picked this company
Grange has some of the best car insurance discounts for Michigan drivers. The company offers discounts for good students, students away at school, having a clean driving record, vehicles with certain safety features, recently divorced drivers, and others.
Grange can also be a good option if you want to customize your auto insurance policy with endorsements. Grange offers pet injury coverage, original equipment coverage, gap insurance, glass coverage, and new car replacement.
Pros
Offers 10 auto insurance discounts
Many available endorsements
High score J.D. Power customer satisfaction score in the North Central region
Cons
Quotes and policy sales are only through agents
More complaints than expected for its size
Mobile app has poor ratings
Liberty Mutual: Best for coverage options
| User Reviews | 3.4 |
|---|---|
| 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. | 8.4 /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. | $128/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. | $232/mo |
3.4
A solid option in MichiganBased on 4,315 verified driver reviews and ratings
Liberty Mutual's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.0 | 2.9 |
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
Based on analysis of verified reviews collected by Insurify
Best in Michigan for
Showing 6 reviews from Michigan driversSee all 2,007 Liberty Mutual reviews
Verified Review
Reviewed in Michigan on May 29, 2026
Certain cities Liberty Mutual will not insure.
Verified Purchase
Reviewed in Michigan on May 22, 2026
Phenomenal business. I'm glad you allowed me to jump on board.
Verified Review
Reviewed in Michigan on May 2, 2026
It's difficult to reach the proper personnel to get questions answered.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28
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
Liberty Mutual offers many add-on car insurance coverage options. Besides the basics, like collision coverage and comprehensive coverage, Michigan drivers can also add rental reimbursement coverage, roadside assistance, new car or better car replacement coverage, OEM coverage, accident forgiveness, and others.
Liberty Mutual also sells a special policy for educators, which provides coverage for things like teaching materials that get stolen from your car and vehicle vandalism on campus.
Pros
Many car insurance endorsements available
Excellent discounts
Mobile app has very high ratings
Cons
Adding endorsements will raise your premium
Below-average J.D. Power customer satisfaction rating in the North Central region
Rates in Michigan are above the statewide average
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.
Average cost of car insurance in Michigan
The average cost of car insurance in Michigan is $227 per month for full coverage and $129 per month for liability-only coverage. Drivers in Michigan pay significantly more than the U.S. national averages of $187 per month for full coverage and $98 per month for minimum coverage, according to Insurify data.
One reason Michigan car insurance rates are higher than the U.S. average is that the state has one of the highest uninsured-driver rates in the country. Michigan also has much higher minimum car insurance requirements than other states, which may contribute to more expensive premiums.[1]
Average car insurance costs in Michigan have risen sharply over the last few years. Between 2025 and 2026, average rates increased by 12% in the state, according to Insurify data. In the same period, the U.S. average car insurance rate went down by 6%.
Find Cheap Car Insurance in Michigan
Liability rates average $129 per month
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How to get the best car insurance in Michigan
Michigan drivers have many options for car insurance. Below are some tips for getting the best auto insurance in Michigan for your needs:
Understand the state’s unique no-fault laws
Michigan is a no-fault state, and it has some of the strongest auto insurance laws. Drivers must carry personal injury protection (PIP), property protection insurance (PPI), and at least $50,000/$100,000 in bodily injury liability and $10,000 in property damage liability insurance for out-of-state accidents. Policies default to $250,000/$500,000 unless you sign a form for the lower limits.[2]
Consider adding uninsured motorist coverage
Because Michigan has a very high number of uninsured drivers, it might be worth adding uninsured motorist coverage to your policy. If an uninsured driver hits you, this insurance can cover your injuries and property damage.[3]
Choose a lower PIP coverage limit
To get cheaper car insurance in Michigan, you can choose the lowest level of PIP coverage, or in some cases, you might be able to drop the coverage altogether. But it’s important to understand the financial risks of dropping PIP before you choose this option.[4]
Compare quotes from multiple insurers
The cost of car insurance in Michigan varies by insurer. To find the cheapest car insurance for your situation, it’s a good idea to compare personalized quotes from multiple insurance companies.
Best car insurance in Michigan FAQs
Below, consider the following additional information that can be helpful as you shop for car insurance in Michigan.
What is the best car insurance to have in Michigan?
No single car insurance company is the best for everyone in Michigan. To find the best car insurance for your needs, you should compare several companies based on coverage options, discounts, cost, customer service, and other factors that matter to you.
What are the PIP choices under Michigan law?
Most Michigan drivers have several options for no-fault insurance, which include up to $250,000 in coverage (with or without PIP medical exclusions), up to $500,000 in coverage, and unlimited coverage. In certain situations, you can choose up to $50,000 in PIP or opt out entirely.
What are the best car insurance companies in Michigan for young drivers?
USAA and Auto-Owners have some of the lowest rates for teen drivers in Michigan, based on Insurify quote data. But it’s important to shop around and compare quotes to see which insurers can offer you the lowest premium, and what young driver or good student discounts are available.
What is the best car insurance in Michigan for drivers with an OWI?
Non-standard car insurance companies, like Bristol West and Direct Auto, tend to be the best for Michigan drivers with an operating while intoxicated (OWI) conviction on their record. High-risk drivers might need to carry SR-22 insurance after an OWI in Michigan, so make sure to look for insurers that offer it.
Sources
- Michigan Department of Insurance and Financial Services. "Purchasing Auto Insurance FAQ."
- Michigan.gov. "Michigan's New Auto Insurance Law."
- Michigan Department of Insurance and Financial Services. "Michigan’s Auto Insurance Law Has Changed."
- Michigan.gov. "Lower Costs."
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Elizabeth RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert