Best Auto Insurance Company In Michigan: Who's Top?

Michigan drivers pay some of the highest car insurance rates in the country, so it's important to find the best company for your needs. The best car insurance company in Michigan will depend on your individual circumstances, but some of the top-rated companies include Chubb, Auto-Owners, Geico, USAA, and Progressive. These companies offer a range of coverage options, discounts, and strong customer satisfaction ratings. When choosing a car insurance company in Michigan, it's important to consider your budget, the level of coverage you need, and the company's reputation and financial stability.

Best for minimum coverage

Minimum coverage car insurance costs $108 monthly or $1,299 annually in Michigan. The cheapest car insurance in Michigan for minimum coverage is from USAA at $560 per year. However, USAA insurance is only available to military members, veterans, and their families. For those who don't qualify for USAA insurance, the next cheapest option for minimum coverage is from Wolverine Mutual at $204 per year.

Another cheap option for minimum coverage car insurance in Michigan is from Geico, which is the cheapest option for full coverage in the state. Geico offers minimum coverage for $81 per month on average. Geico also has some of the most affordable coverage rates for Michigan drivers and offers a wide range of discounts to take premiums even lower.

Other cheap options for minimum coverage car insurance in Michigan include:

• Auto-Owners Insurance: $68 per month on average
• Automobile Club Michigan: $79 per month on average

Best for military members

USAA is a great option for auto insurance in Michigan for military members, veterans, and their families. USAA is consistently ranked as one of the best auto insurance companies in Michigan and is the only company that exclusively serves the military community. USAA offers competitive prices, a 15% military discount, and additional discounts for drivers who garage their vehicle on a military base or store their car during deployment. USAA also allows some coverage types to be suspended during deployment.

Another option for military members in Michigan is GEICO, which offers a military discount of up to 15% in all states except Michigan, Indiana, Georgia, Maine, Massachusetts, Mississippi, and New York. GEICO also has a dedicated military customer service team, staffed by veterans from all military branches, who are available 24/7.

Best for tech-savvy drivers

Progressive is a great option for tech-savvy drivers in Michigan. Progressive is known for its digital platform, with tools like the Name Your Price tool and the ability to compare quotes from other companies on its site. Progressive also has a Snapshot usage-based program that can save good drivers up to $231 per year on their premiums.

Progressive's mobile app is well-reviewed, making it easy to manage your policy and access your digital insurance ID cards. Progressive's website is also flexible and user-friendly, allowing you to customize your policy and compare coverage options.

GEICO is another option for tech-oriented clients. GEICO's innovative mobile app streamlines the management of policies, filing claims, and accessing digital insurance ID cards.

While GEICO is a predominantly online auto insurance company, it does not have any agents in Michigan and does not offer the option of getting a car insurance quote online. To get a quote, Michigan drivers will have to go through the customer service call center or send an email to get an application mailed to their home.

Best for new cars

When it comes to new cars, Travelers is the best car insurance company in Michigan. Scoring a 93 out of 100 on MoneyGeek, Travelers offers new car replacement and/or better car replacement coverages, which are essential for drivers with new vehicles. This means that if your new car is totaled, Travelers will replace it with a brand-new car.

Travelers also offers other essential coverages, including roadside assistance, rental car and/or travel reimbursement, accident forgiveness, and gap insurance. With an average annual premium of $1,243, Travelers combines value with quality service.

Other insurance companies in Michigan that offer new car replacement coverage include:

• Auto-Owners
• GEICO
• Pioneer State Mutual
• State Farm
• USAA

Best for young adults

Young adults in Michigan can expect to pay more for car insurance than older adults. The cheapest car insurance for young adults in Michigan is offered by Geico, with an average annual premium of $1,072 for 25-year-olds. Allstate, on the other hand, has the highest average rate of $3,301 per year. The statewide average for this category is $2,132 per year for female and male young adults.

Geico also has the lowest auto insurance rates for single 35-year-olds in Michigan, with an average annual premium of $1,062. Allstate, once again, has the highest average rate of $3,301 per year. The average annual rate for 35-year-old married drivers in Michigan is $1,911 per year, regardless of gender.

For young adults in Michigan, it is important to note that the cost of car insurance can vary depending on factors such as age, location, driving history, and vehicle type. It is recommended to compare quotes from multiple insurance companies to find the most affordable rate and to seek discounts, such as those for safe driving and low mileage.

Frequently asked questions