Best Auto Insurance Companies In Michigan: Top Picks

Michigan is one of the most expensive states in the U.S. when it comes to car insurance. The average cost of car insurance in Michigan is $3,010 per year for full coverage, far more than the national average of $2,329 per year. Michigan's no-fault system and high-limit insurance requirements are partially to blame for these inflated prices. However, there are a few insurance companies that offer rates below the state average, including Geico, USAA, Progressive, Auto-Owners, and Travelers.

Best car insurance in Michigan for those on a tight budget

If you're looking for the best car insurance in Michigan for those on a tight budget, you've come to the right place. Here's a detailed guide to help you choose the most suitable option for your needs.

GEICO

GEICO is a well-known insurance company that offers some of the most affordable rates in Michigan. They provide solid coverage and customer service, making them an excellent choice for budget-conscious drivers. GEICO has a user-friendly website and mobile app, making it easy to manage your policy and file claims online. While they have a limited number of agents in Michigan, their digital tools and wide range of discounts make them a popular choice.

Progressive

Progressive is another top insurance company that offers competitive rates and comprehensive coverage options. They are known for their digital platform and 24/7 customer support. Progressive also has a long list of potential discounts, including their Snapshot® usage-based program, which can save good drivers up to $231 per year. They received a below-average score from J.D. Power for claims satisfaction, but their overall package makes them a solid choice for budget-conscious drivers.

USAA

USAA is an insurance company that caters specifically to active military, veterans, and their families. They offer some of the lowest car insurance rates in Michigan, along with excellent industry ratings and customer satisfaction scores. USAA provides a range of coverage options and discounts, including their SafePilot® telematics program, which can save good drivers up to 30%. However, their policies are only available to those who meet their eligibility criteria.

When choosing the best car insurance in Michigan for your needs, it's important to consider your budget, coverage requirements, and the company's reputation. Comparing quotes from multiple providers can help you find the most affordable and suitable option. Additionally, take advantage of discounts offered by these companies to further reduce your insurance costs.

Best car insurance company for military-based coverage

When it comes to the best car insurance company for military-based coverage in Michigan, USAA is the standout option. USAA is consistently rated highly for customer satisfaction and offers low rates and numerous ways to save. The company is only available to current or former military members and qualifying family members.

USAA's insurance policies are tailored to meet the needs of military families and offer unique features such as a discount for garaging your vehicle at a military base. The company also has a solid mobile and online presence, although it does not have any in-person agents for policy and claims management.

USAA received a score of 4.2 out of 5 stars from Bankrate and was ranked second in MarketWatch's list of the best car insurance companies in Michigan. It also scored highly in J.D. Power's 2023 Auto Insurance Study, although it is not officially ranked due to its eligibility restrictions.

Best car insurance company for policy management

When it comes to policy management, Progressive is the best car insurance company in Michigan. Progressive is known for its digital platform, which includes the Name Your Price tool and the ability to compare quotes from other companies. Progressive also has physical locations in Livonia and Sterling Heights, where drivers can get help from a full staff of claims and repair personnel.

However, Progressive received a below-average score from J.D. Power for claims satisfaction.

Other highly-ranked car insurance companies in Michigan include USAA, Auto-Owners, and State Farm.

Best car insurance company for local agents

When it comes to the best car insurance company for local agents in Michigan, Auto-Owners stands out as the top choice. Headquartered in Michigan itself, Auto-Owners has a wide network of independent agents spread throughout the state, providing personalized service and guidance to its customers.

One unique feature of Auto-Owners is its No Problem Claim Service, which allows drivers to report a claim conveniently by contacting their local agent. The agent then takes care of filing the claim with the company's headquarters, making the process smoother and more accessible.

In addition to its strong local presence, Auto-Owners offers a broad range of coverage options, including add-ons like gap insurance and diminished value coverage. The company also has a Common Loss Deductible, which means that if both your home and vehicle are insured with Auto-Owners and are damaged in the same incident, your auto deductible will be reduced or even waived.

Auto-Owners has received positive reviews for its customer satisfaction. In the J.D. Power 2023 Auto Insurance Claims Satisfaction Study, the company ranked above average, indicating that its customers are generally content with the service and coverage they receive.

Another notable mention for local agents in Michigan is State Farm. With more than 300 agents across the state, State Farm offers a strong combination of local availability and a seamless digital experience. State Farm's website and mobile app are user-friendly, and the company also provides a large network of agents for those who prefer in-person interactions.

Best car insurance company for customizable policies

When it comes to customisable policies, Travelers is the best car insurance company in Michigan. The company offers a wide range of coverage options, including named non-owner liability coverage and rental coverage. There are also numerous ways to save on your premium, such as owning a home or driving a hybrid or electric car.

However, it is worth noting that Travelers has a relatively low J.D. Power customer satisfaction score, so it may not be ideal for customers who value outstanding service.

Frequently asked questions