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Best car insurance in Michigan for 2024
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Reviewed by
Edited by
Reviewed by
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance companies in Michigan
Geico, USAA, Progressive, Auto-Owners and Travelers are among the best car insurance companies in Michigan, according to our analysis of average 2024 rates from Quadrant Information Services, customer satisfaction scores from J.D. Power, financial strength ratings from AM Best, coverage offerings and discounts. All five companies have average rates that are lower than the Michigan state average of $3,053 for full coverage and $895 for minimum coverage.
If you are shopping for the best auto insurance in Michigan, these companies could be a good starting place. Keep in mind, though, that the best insurer for you will depend on your individual circumstances.
|
|
|
|
|
|---|---|---|---|
|
4.4
|
$1,530
|
$603
|
|
|
4.2
|
$1,703
|
$484
|
|
|
4.4
|
$2,687
|
$890
|
|
|
4.3
|
$2,351
|
$519
|
|
|
4.2
|
$2,291
|
$447
|
Geico
4.4
4.4
Avg. full coverage premium
$128/mo
Avg. full coverage premium
$1,530/yr
Customer satisfaction
641/1,000
-
Why Geico made our list: Geico advertises an impressive 16 different discounts on its website, offering savings opportunities for nearly every driver. Its average rates are well below the Michigan averages, which may make it appealing for those who are hoping to save money on their policies. However, Geico doesn’t offer as many options for endorsements as other national insurers, so if you’re hoping to build a personalized policy, it may not be the right company for you.
Who Geico may be good for: Geico might be a good option for Michigan drivers on a budget. With a strong focus on providing savings opportunities, Michigan drivers may find several ways to save with Geico.
USAA
4.2
4.2
Avg. full coverage premium
$142/mo
Avg. full coverage premium
$1,703/yr
Customer satisfaction
726/1,000
-
Why USAA made our list: USAA consistently receives high customer satisfaction scores, but it only sells insurance to current or former military members and qualifying family members. Because of this, USAA is not eligible for an official ranking with J.D. Power. USAA tends to offer low average rates, numerous ways to save and has a solid mobile and online presence. If you qualify for coverage with USAA, you may want to consider getting a quote.
Progressive
4.4
4.4
Avg. full coverage premium
$224/mo
Avg. full coverage premium
$2,687/yr
Customer satisfaction
648/1,000
-
Why Progressive made our list: Progressive is known for its digital platform, although quotes are available at various in-person agency locations as well. Progressive’s digital tools include the Name Your Price tool and the ability to compare quotes from other companies on Progressive’s site. However, the company received a below-industry-average score from J.D. Power for claims satisfaction.
Auto-Owners
4.3
4.3
Avg. full coverage premium
$196/mo
Avg. full coverage premium
$2,351/yr
Customer satisfaction
646/1,000
-
Why Auto-Owners made our list: Auto-Owners — which was founded in and is headquartered in Lansing, Michigan — offers great add-on coverage options, including gap insurance and diminished value coverage. The company also offers a common loss deductible, meaning if both your home and vehicle are insured with Auto-Owners and are damaged in the same incident, your auto deductible will be lowered by the amount of your home deductible or waived entirely.
Travelers
4.2
4.2
Avg. full coverage premium
$191/mo
Avg. full coverage premium
$2,291/yr
Customer satisfaction
606/1,000
-
Why Travelers made our list: Travelers offers numerous coverage options to help Michigan drivers customize their car insurance to their specific needs, such as named non-owner liability coverage and rental coverage. There are also numerous ways to save, like owning a home or driving a hybrid or electric car. Travelers does have a relatively low J.D. Power customer satisfaction score, though, so it may not be ideal for customers who value outstanding service.
How Bankrate chose the best car insurance companies in Michigan
To find the best auto insurance companies in MI, we first acquired average cost information from Quadrant Information Services for the largest Michigan auto insurers by market share. We combined this information with our extensive research on each company’s coverage options, discounts, policy features, J.D. Power customer satisfaction scores and financial strength ratings and assigned each company a Bankrate Score. The scores are on a scale of 0.0 to 5.0. Companies with higher Bankrate Scores received a higher score in the individual ranking categories.
Why you can trust Bankrate
Read our full methodologyTo help Michigan drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in Michigan
Finding the best car insurance in Michigan will typically require comparing quotes from a few different providers. You may be surprised to see a broad range of potential premiums. Since each company uses its own proprietary algorithms to determine rates, you could save significantly by shopping around. Here are some other considerations you may want to think about when looking for the best car insurance in Michigan.
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Michigan?
The average cost of car insurance in Michigan is $3,053 per year for full coverage, far more than the national average of $2,458 per year. Michigan residents also pay more for minimum coverage car insurance at $895 per year versus the national average of $678 per year. Michigan drivers also pay more than drivers in surrounding states, with Indiana enjoying an average full coverage premium of $1,713 per year and Illinois drivers paying an average of $2,126 per year for full coverage. The average rates in the Great Lakes State are relatively high, but shopping for the cheapest car insurance companies in Michigan could help you get a lower premium.
Michigan is no stranger to crowded roadways in larger cities, which leads to more accidents and higher rates. The state also experiences harsh winter weather and has one of the highest rates of uninsured motorists. Michigan is a no-fault state, which may contribute to its high average rates. Drivers are required to carry personal injury protection (PIP) coverage, which can pay for your injuries and the injuries of your passengers after an accident, regardless of who was at fault.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Utica | $3,082 | +1% |
| Waterford | $2,909 | -5% |
| Oxford | $2,791 | -9% |
| Novi | $2,822 | -8% |
| Wixom | $2,798 | -9% |
| Applegate | $2,847 | -7% |
| Bad Axe | $2,785 | -9% |
| Dryden | $2,821 | -8% |
| Pleasant Ridge | $3,418 | +11% |
| Yale | $2,989 | -2% |
| Ann Arbor | $2,483 | -21% |
| Dearborn | $4,394 | +36% |
| Beaver Island | $2,475 | -21% |
| Kincheloe | $2,656 | -14% |
| Gwinn | $2,677 | -13% |
| Quinnesec | $2,656 | -14% |
| Ralph | $2,758 | -10% |
| Mackinaw City | $2,521 | -19% |
| Alpena | $2,526 | -19% |
| Barbeau | $2,660 | -14% |
| Brutus | $2,492 | -20% |
| Drummond Island | $2,742 | -11% |
| Gaylord | $2,516 | -19% |
| Grand Junction | $2,643 | -14% |
| Martin | $2,525 | -19% |
| Mendon | $2,607 | -16% |
| Otsego | $2,506 | -20% |
| Tekonsha | $2,571 | -17% |
| Vandalia | $2,582 | -17% |
| Berrien Springs | $2,417 | -23% |
| Eau Claire | $2,408 | -24% |
| Union | $2,514 | -19% |
| Jackson | $2,619 | -15% |
| Imlay City | $2,840 | -7% |
| Vernon | $2,600 | -16% |
| Flint | $3,468 | +13% |
| Saginaw | $2,605 | -16% |
| Freeland | $2,369 | -25% |
| Hope | $2,414 | -23% |
| Linwood | $2,405 | -24% |
| Midland | $2,309 | -28% |
| Livonia | $3,107 | +2% |
| Bloomfield Hills | $3,025 | -1% |
| Rochester | $2,859 | -7% |
| Sterling Heights | $3,299 | +8% |
| Williamsburg | $2,508 | -20% |
| Hubbard Lake | $2,595 | -16% |
| Memphis | $3,077 | +1% |
| New Baltimore | $3,174 | +4% |
| Royal Oak | $3,216 | +5% |
| Southfield | $4,165 | +31% |
| Saint Clair | $2,786 | -9% |
| Ray | $3,087 | +1% |
| Troy | $3,138 | +3% |
| Clinton Township | $3,409 | +11% |
| Fort Gratiot | $2,792 | -9% |
| Columbus | $2,941 | -4% |
| Smiths Creek | $2,708 | -12% |
| Mc Bain | $2,612 | -16% |
| Merritt | $2,737 | -11% |
| Rapid City | $2,597 | -16% |
| Sears | $2,858 | -7% |
| Wellston | $2,709 | -12% |
| Atlanta | $2,650 | -14% |
| Burt Lake | $2,556 | -18% |
| Cheboygan | $2,546 | -18% |
| Elmira | $2,531 | -19% |
| Marysville | $2,707 | -12% |
| New Haven | $3,201 | +5% |
| Richmond | $3,105 | +2% |
| Huntington Woods | $3,355 | +9% |
| Warren | $3,918 | +25% |
| Belleville | $3,356 | +9% |
| Chelsea | $2,521 | -19% |
| Gregory | $2,507 | -20% |
| Grosse Ile | $3,072 | +1% |
| Lake Ann | $2,547 | -18% |
| Onekama | $2,606 | -16% |
| Traverse City | $2,439 | -22% |
| Harbor Springs | $2,521 | -19% |
| Hulbert | $2,603 | -16% |
| Lincoln Park | $3,515 | +14% |
| Taylor | $3,638 | +17% |
| Westland | $3,414 | +11% |
| Ypsilanti | $2,808 | -8% |
| Detroit | $5,391 | +55% |
| Crystal Falls | $2,699 | -12% |
| Dodgeville | $2,559 | -18% |
| Lanse | $2,743 | -11% |
| Fair Haven | $2,739 | -11% |
| Wells | $2,718 | -12% |
| Birmingham | $3,097 | +1% |
| Bruce Crossing | $2,785 | -9% |
| Copper City | $2,579 | -17% |
| Sidnaw | $2,595 | -16% |
| West Bloomfield | $3,157 | +3% |
| Pontiac | $3,473 | +13% |
| Clarkston | $2,758 | -10% |
| Milford | $2,617 | -15% |
| Burt | $2,580 | -17% |
| Grand Blanc | $2,877 | -6% |
| Indian River | $2,623 | -15% |
| Johannesburg | $2,512 | -19% |
| Boon | $2,609 | -16% |
| Central Lake | $2,539 | -18% |
| Fife Lake | $2,645 | -14% |
| Frederic | $2,532 | -19% |
| Hessel | $2,548 | -18% |
| Farmington | $3,009 | -1% |
| Hartland | $2,564 | -17% |
| Highland | $2,738 | -11% |
| Union Lake | $2,846 | -7% |
| Ossineke | $2,548 | -18% |
| Camden | $2,756 | -10% |
| Clinton | $2,449 | -22% |
| Concord | $2,660 | -14% |
| Leslie | $2,677 | -13% |
| Michigan Center | $2,497 | -20% |
| North Adams | $2,728 | -11% |
| Ottawa Lake | $2,541 | -18% |
| Bailey | $2,675 | -13% |
| Comstock Park | $2,502 | -20% |
| Gowen | $2,801 | -9% |
| Stanwood | $2,878 | -6% |
| Deerfield | $2,505 | -20% |
| Hanover | $2,825 | -8% |
| Horton | $2,636 | -15% |
| Litchfield | $2,743 | -11% |
| Montgomery | $2,681 | -13% |
| Pittsford | $2,720 | -12% |
| Springport | $2,830 | -8% |
| Weston | $2,497 | -20% |
| Bradley | $2,567 | -17% |
| Freeport | $2,647 | -14% |
| Morley | $2,838 | -7% |
| Newaygo | $2,778 | -9% |
| Paris | $2,743 | -11% |
| Rockford | $2,559 | -18% |
| Deford | $2,882 | -6% |
| South Branch | $2,694 | -13% |
| Whittemore | $2,734 | -11% |
| Okemos | $2,310 | -28% |
| Ashley | $2,572 | -17% |
| Cedar Lake | $2,854 | -7% |
| Elm Hall | $2,643 | -14% |
| Fowlerville | $2,665 | -14% |
| Hudsonville | $2,257 | -30% |
| Walhalla | $2,730 | -11% |
| West Olive | $2,382 | -25% |
| Grand Rapids | $2,508 | -20% |
| Emmett | $3,106 | +2% |
| Wallace | $2,717 | -12% |
| Copper Harbor | $2,590 | -16% |
| Eastpointe | $4,000 | +27% |
| Franklin | $3,252 | +6% |
| Houghton | $2,519 | -19% |
| South Range | $2,545 | -18% |
| Portage | $2,277 | -29% |
| Cloverdale | $2,614 | -15% |
| Decatur | $2,658 | -14% |
| Lawton | $2,637 | -15% |
| Vicksburg | $2,405 | -24% |
| Niles | $2,419 | -23% |
| Allenton | $2,892 | -5% |
| Center Line | $4,106 | +29% |
| Amasa | $2,763 | -10% |
| Atlantic Mine | $2,557 | -18% |
| Baraga | $2,684 | -13% |
| Painesdale | $2,936 | -4% |
| Watersmeet | $2,881 | -6% |
| Lakeville | $3,013 | -1% |
| Birch Run | $2,575 | -17% |
| Forestville | $2,884 | -6% |
| Conklin | $2,612 | -16% |
| Fennville | $2,461 | -21% |
| Holland | $2,325 | -27% |
| New Era | $2,580 | -17% |
| Nunica | $2,459 | -22% |
| Pentwater | $2,652 | -14% |
| Alba | $2,561 | -18% |
| Arcadia | $2,674 | -13% |
| Benzonia | $2,628 | -15% |
| Pinckney | $2,520 | -19% |
| Wayne | $3,518 | +14% |
| Canton | $3,043 | -0% |
| Grosse Pointe | $4,267 | +33% |
| Carleton | $2,676 | -13% |
| Melvindale | $4,098 | +29% |
| Berkley | $3,199 | +5% |
| Saint Clair Shores | $3,314 | +8% |
| Algonac | $2,843 | -7% |
| Armada | $3,147 | +3% |
| Avoca | $2,836 | -7% |
| Ahmeek | $2,627 | -15% |
| Bergland | $2,906 | -5% |
| Ewen | $2,901 | -5% |
| Toivola | $2,978 | -2% |
| Casco | $3,007 | -2% |
| Dearborn Heights | $3,862 | +23% |
| Ironwood | $2,585 | -17% |
| Kearsarge | $2,575 | -17% |
| Trout Creek | $2,700 | -12% |
| Keego Harbor | $3,112 | +2% |
| Auburn Hills | $2,826 | -8% |
| Davisburg | $2,796 | -9% |
| White Lake | $2,910 | -5% |
| Walled Lake | $2,809 | -8% |
| West Branch | $2,692 | -13% |
| Bay City | $2,398 | -24% |
| Allen Park | $3,479 | +13% |
| Brighton | $2,560 | -18% |
| Ida | $2,578 | -17% |
| Brown City | $2,883 | -6% |
| Carsonville | $2,869 | -6% |
| East Leroy | $2,503 | -20% |
| Hartford | $2,573 | -17% |
| Mattawan | $2,573 | -17% |
| Saint Joseph | $2,257 | -30% |
| White Pigeon | $2,603 | -16% |
| Goodrich | $2,840 | -7% |
| Port Huron | $2,787 | -9% |
| Lambertville | $2,617 | -15% |
| Carson City | $2,854 | -7% |
| Bay Port | $2,762 | -10% |
| Greenbush | $2,681 | -13% |
| Mikado | $2,704 | -12% |
| Unionville | $2,776 | -10% |
| Alma | $2,517 | -19% |
| Elsie | $2,591 | -16% |
| Brethren | $2,694 | -12% |
| Chase | $2,794 | -9% |
| Copemish | $2,707 | -12% |
| Interlochen | $2,549 | -18% |
| Kalkaska | $2,563 | -17% |
| Tustin | $2,709 | -12% |
| Afton | $2,589 | -16% |
| Cross Village | $2,473 | -21% |
| Metamora | $2,803 | -9% |
| Otisville | $2,858 | -7% |
| Snover | $2,864 | -6% |
| Burton | $2,992 | -2% |
| Willis | $2,572 | -17% |
| Wyandotte | $3,198 | +5% |
| Highland Park | $5,408 | +56% |
| Hamtramck | $5,635 | +59% |
| Redford | $4,297 | +34% |
| Manchester | $2,537 | -18% |
| South Rockwood | $2,662 | -14% |
| River Rouge | $4,263 | +33% |
| Ecorse | $4,019 | +27% |
| Jeddo | $2,760 | -10% |
| Mount Clemens | $3,465 | +13% |
| Garden City | $3,455 | +12% |
| Luna Pier | $2,639 | -15% |
| Maybee | $2,654 | -14% |
| Milan | $2,466 | -21% |
| Romulus | $3,568 | +16% |
| Whittaker | $2,527 | -19% |
| Monroe | $2,679 | -13% |
| Buckley | $2,616 | -15% |
| Kaleva | $2,716 | -12% |
| Maple City | $2,472 | -21% |
| South Boardman | $2,654 | -14% |
| Carp Lake | $2,456 | -22% |
| Goetzville | $2,695 | -12% |
| Good Hart | $2,519 | -19% |
| Grayling | $2,548 | -18% |
| Hawks | $2,723 | -11% |
| Lapeer | $2,712 | -12% |
| Marlette | $2,844 | -7% |
| Minden City | $2,896 | -5% |
| Sandusky | $2,800 | -9% |
| Ubly | $2,877 | -6% |
| Merrill | $2,631 | -15% |
| Saint Charles | $2,649 | -14% |
| Lake City | $2,659 | -14% |
| Luther | $2,889 | -6% |
| Mancelona | $2,573 | -17% |
| Mesick | $2,696 | -12% |
| Brimley | $2,596 | -16% |
| Hillman | $2,690 | -13% |
| Kingsley | $2,582 | -17% |
| Lake Leelanau | $2,449 | -22% |
| Northport | $2,442 | -22% |
| Omena | $2,460 | -22% |
| Reed City | $2,967 | -3% |
| Millersburg | $2,740 | -11% |
| Onaway | $2,696 | -12% |
| Walloon Lake | $2,520 | -19% |
| Carney | $2,899 | -5% |
| Felch | $2,771 | -10% |
| Menominee | $2,618 | -15% |
| Marine City | $2,866 | -6% |
| North Street | $2,642 | -14% |
| Ruth | $2,953 | -3% |
| Breckenridge | $2,557 | -18% |
| Farwell | $2,808 | -8% |
| Hemlock | $2,555 | -18% |
| Fraser | $3,507 | +14% |
| Vulcan | $2,777 | -9% |
| Covington | $2,689 | -13% |
| Sanford | $2,432 | -23% |
| Curran | $2,705 | -12% |
| Harrisville | $2,714 | -12% |
| Long Lake | $2,705 | -12% |
| Omer | $2,668 | -13% |
| Tawas City | $2,617 | -15% |
| Frankenmuth | $2,551 | -18% |
| Dimondale | $2,405 | -24% |
| East Lansing | $2,479 | -21% |
| Grand Ledge | $2,445 | -22% |
| Hancock | $2,536 | -19% |
| Nisula | $2,629 | -15% |
| Fostoria | $3,035 | -1% |
| Capac | $3,105 | +2% |
| Trenary | $2,828 | -8% |
| Caspian | $2,766 | -10% |
| Hubbell | $2,838 | -7% |
| Iron River | $2,673 | -13% |
| Mohawk | $2,656 | -14% |
| Pelkie | $2,627 | -15% |
| Ramsay | $2,634 | -15% |
| Wakefield | $2,614 | -15% |
| Watton | $2,789 | -9% |
| Leonard | $2,993 | -2% |
| Attica | $2,796 | -9% |
| Gladwin | $2,695 | -12% |
| Oakley | $2,640 | -14% |
| Wilson | $2,872 | -6% |
| Alpha | $2,726 | -11% |
| Calumet | $2,567 | -17% |
| Dollar Bay | $2,523 | -19% |
| Twining | $2,727 | -11% |
| Belding | $2,751 | -10% |
| Charlotte | $2,539 | -18% |
| Crystal | $2,894 | -5% |
| Clarklake | $2,616 | -15% |
| Hudson | $2,610 | -16% |
| Morenci | $2,482 | -21% |
| Onsted | $2,481 | -21% |
| Parma | $2,680 | -13% |
| Tecumseh | $2,548 | -18% |
| Tipton | $2,460 | -21% |
| Byron Center | $2,408 | -24% |
| Cedar Springs | $2,641 | -14% |
| Dorr | $2,492 | -20% |
| Trufant | $2,873 | -6% |
| Wheeler | $2,563 | -17% |
| Pigeon | $2,757 | -10% |
| Prescott | $2,721 | -11% |
| Reese | $2,622 | -15% |
| Richville | $2,750 | -10% |
| Mount Pleasant | $2,480 | -21% |
| Dewitt | $2,346 | -26% |
| Edmore | $2,865 | -6% |
| Stockbridge | $2,658 | -14% |
| Blanchard | $2,747 | -11% |
| Otter Lake | $2,844 | -7% |
| Lupton | $2,717 | -12% |
| Pinconning | $2,463 | -21% |
| Holt | $2,407 | -24% |
| Howell | $2,552 | -18% |
| Westphalia | $2,415 | -23% |
| Lansing | $2,682 | -13% |
| Mount Morris | $3,257 | +6% |
| Peck | $2,844 | -7% |
| Port Austin | $2,866 | -6% |
| Port Sanilac | $2,836 | -7% |
| Chesaning | $2,614 | -15% |
| Sidney | $2,864 | -6% |
| Allegan | $2,559 | -18% |
| Battle Creek | $2,601 | -16% |
| Bedford | $2,633 | -15% |
| Plymouth | $2,833 | -7% |
| Riverview | $3,053 | -0% |
| Oak Park | $4,161 | +31% |
| Perrinton | $2,635 | -15% |
| Woodland | $2,636 | -15% |
| Benton Harbor | $2,573 | -17% |
| Bloomingdale | $2,559 | -18% |
| Hastings | $2,747 | -11% |
| Nashville | $3,039 | -0% |
| Ionia | $2,849 | -7% |
| Owosso | $2,561 | -18% |
| Palo | $2,705 | -12% |
| Perry | $2,699 | -12% |
| Saint Louis | $2,735 | -11% |
| Shaftsburg | $2,622 | -15% |
| Sunfield | $2,625 | -15% |
| Kalamazoo | $2,467 | -21% |
| Colon | $2,639 | -15% |
| Marcellus | $2,528 | -19% |
| Olivet | $2,565 | -17% |
| Sturgis | $2,580 | -17% |
| Vermontville | $2,682 | -13% |
| Buchanan | $2,414 | -23% |
| Lakeside | $2,410 | -24% |
| Stevensville | $2,290 | -29% |
| Hubbardston | $2,737 | -11% |
| Smyrna | $2,704 | -12% |
| Vestaburg | $2,899 | -5% |
| Williamston | $2,398 | -24% |
| Winn | $2,650 | -14% |
| Albion | $2,715 | -12% |
| Jonesville | $2,746 | -11% |
| Petersburg | $2,568 | -17% |
| Bitely | $2,906 | -5% |
| Chippewa Lake | $2,736 | -11% |
| Howard City | $2,847 | -7% |
| Allouez | $2,633 | -15% |
| Gould City | $2,645 | -14% |
| Ishpeming | $2,480 | -21% |
| Perkins | $2,890 | -5% |
| Rock | $2,835 | -7% |
| Wayland | $2,560 | -18% |
| Melvin | $2,898 | -5% |
| Brant | $2,741 | -11% |
| Coleman | $2,495 | -20% |
| Houghton Lake Heights | $2,625 | -15% |
| Luzerne | $2,643 | -14% |
| Mio | $2,633 | -15% |
| Fairview | $2,587 | -17% |
| Harrison | $2,811 | -8% |
| Kawkawlin | $2,322 | -27% |
| Lake | $2,874 | -6% |
| Saint Helen | $2,716 | -12% |
| Skandia | $2,607 | -16% |
| Washington | $3,069 | +1% |
| Azalia | $2,598 | -16% |
| Palmyra | $2,431 | -23% |
| Branch | $2,838 | -7% |
| Coopersville | $2,440 | -22% |
| Muskegon | $2,662 | -14% |
| Beulah | $2,590 | -16% |
| Lachine | $2,656 | -14% |
| Mullett Lake | $2,619 | -15% |
| Saint Ignace | $2,486 | -20% |
| Champion | $2,607 | -16% |
| Marquette | $2,416 | -23% |
| Spalding | $2,793 | -9% |
| Stephenson | $2,953 | -3% |
| Saline | $2,319 | -27% |
| Samaria | $2,597 | -16% |
| Galesburg | $2,387 | -24% |
| New Troy | $2,336 | -27% |
| Addison | $2,658 | -14% |
| Carrollton | $2,510 | -20% |
| East Tawas | $2,581 | -17% |
| Fairgrove | $2,684 | -13% |
| Millington | $2,770 | -10% |
| National City | $2,705 | -12% |
| Bannister | $2,602 | -16% |
| Fountain | $2,942 | -4% |
| Grand Haven | $2,283 | -29% |
| Holton | $2,527 | -19% |
| Lamont | $2,507 | -20% |
| Ludington | $2,585 | -17% |
| Ravenna | $2,607 | -16% |
| Alden | $2,567 | -17% |
| Montague | $2,457 | -22% |
| Twin Lake | $2,502 | -20% |
| Grandville | $2,367 | -25% |
| Ceresco | $2,564 | -17% |
| Climax | $2,470 | -21% |
| Covert | $2,552 | -18% |
| Gobles | $2,634 | -15% |
| Lacota | $2,643 | -14% |
| Lawrence | $2,629 | -15% |
| Leonidas | $2,613 | -16% |
| Sherwood | $2,658 | -14% |
| Three Rivers | $2,577 | -17% |
| Sawyer | $2,344 | -26% |
| Lake Orion | $2,757 | -10% |
| Oakland | $2,753 | -10% |
| Davison | $2,657 | -14% |
| Deckerville | $2,852 | -7% |
| Flushing | $2,703 | -12% |
| Fulton | $2,516 | -19% |
| Kendall | $2,635 | -15% |
| Marshall | $2,560 | -18% |
| Berrien Center | $2,412 | -23% |
| Edwardsburg | $2,548 | -18% |
| Harbert | $2,360 | -26% |
| Kinde | $2,880 | -6% |
| New Lothrop | $2,577 | -17% |
| Swartz Creek | $2,711 | -12% |
| Comins | $2,642 | -14% |
| Prudenville | $2,598 | -16% |
| Rose City | $2,725 | -11% |
| Mackinac Island | $2,444 | -22% |
| Naubinway | $2,585 | -17% |
| Sault Sainte Marie | $2,513 | -19% |
| Channing | $2,673 | -13% |
| Arnold | $2,730 | -11% |
| Rumely | $2,753 | -10% |
| Negaunee | $2,450 | -22% |
| Perronville | $2,987 | -2% |
| Rapid River | $2,807 | -8% |
| Breedsville | $2,594 | -16% |
| Burlington | $2,625 | -15% |
| Cassopolis | $2,550 | -18% |
| Coloma | $2,404 | -24% |
| Dowling | $2,780 | -9% |
| Schoolcraft | $2,392 | -24% |
| Three Oaks | $2,433 | -23% |
| Kinross | $2,835 | -7% |
| Bellevue | $2,741 | -11% |
| Sterling | $2,707 | -12% |
| Akron | $2,711 | -12% |
| Au Gres | $2,648 | -14% |
| Clifford | $2,872 | -6% |
| Gagetown | $2,793 | -9% |
| Kingston | $2,912 | -5% |
| Spruce | $2,621 | -15% |
| Vassar | $2,723 | -11% |
| Corunna | $2,541 | -18% |
| Eaton Rapids | $2,617 | -15% |
| Fowler | $2,439 | -22% |
| Pickford | $2,664 | -14% |
| Pointe Aux Pins | $2,497 | -20% |
| Presque Isle | $2,582 | -17% |
| Rogers City | $2,593 | -16% |
| Eckerman | $2,654 | -14% |
| Au Train | $2,677 | -13% |
| Garden | $2,791 | -9% |
| Grand Marais | $2,702 | -12% |
| Gulliver | $2,640 | -15% |
| Ingalls | $2,880 | -6% |
| Newberry | $2,570 | -17% |
| Sagola | $2,741 | -11% |
| Clawson | $3,153 | +3% |
| Wetmore | $2,779 | -9% |
| Bessemer | $2,586 | -17% |
| Gaastra | $2,741 | -11% |
| Mass City | $2,772 | -10% |
| New Hudson | $2,697 | -12% |
| Northville | $2,745 | -11% |
| Salem | $2,627 | -15% |
| South Lyon | $2,649 | -14% |
| Trenton | $3,198 | +5% |
| Iron Mountain | $2,593 | -16% |
| Engadine | $2,628 | -15% |
| Foster City | $2,754 | -10% |
| Gladstone | $2,689 | -13% |
| Powers | $2,905 | -5% |
| Seney | $2,647 | -14% |
| Moran | $2,521 | -19% |
| Topinabee | $2,556 | -18% |
| Lexington | $2,781 | -9% |
| Clare | $2,774 | -10% |
| Roscommon | $2,563 | -17% |
| Drayton Plains | $2,782 | -9% |
| Linden | $2,735 | -11% |
| Montrose | $2,673 | -13% |
| Ortonville | $2,920 | -4% |
| Port Hope | $2,896 | -5% |
| Alger | $2,749 | -10% |
| East China | $2,857 | -7% |
| Romeo | $3,123 | +2% |
| Dexter | $2,413 | -23% |
| Dundee | $2,513 | -19% |
| Inkster | $4,054 | +28% |
| Lakeland | $2,562 | -17% |
| Levering | $2,440 | -22% |
| Oden | $2,482 | -21% |
| Pellston | $2,490 | -20% |
| Trout Lake | $2,592 | -16% |
| Vanderbilt | $2,515 | -19% |
| Waters | $2,497 | -20% |
| Cornell | $2,778 | -9% |
| Escanaba | $2,676 | -13% |
| Norway | $2,686 | -13% |
| Bark River | $2,858 | -7% |
| Daggett | $2,956 | -3% |
| Loretto | $2,703 | -12% |
| Manistique | $2,710 | -12% |
| National Mine | $2,668 | -13% |
| Palmer | $2,454 | -22% |
| Republic | $2,590 | -16% |
| Byron | $2,744 | -11% |
| Clio | $2,681 | -13% |
| Decker | $2,910 | -5% |
| Fenton | $2,601 | -16% |
| Bronson | $2,659 | -14% |
| Coldwater | $2,648 | -14% |
| Constantine | $2,618 | -15% |
| Delton | $2,710 | -12% |
| Dowagiac | $2,497 | -20% |
| Hickory Corners | $2,615 | -15% |
| Jones | $2,576 | -17% |
| Nazareth | $2,495 | -20% |
| Quincy | $2,696 | -12% |
| Bridgman | $2,335 | -27% |
| Union Pier | $2,596 | -16% |
| Caro | $2,779 | -9% |
| Elkton | $2,744 | -11% |
| Essexville | $2,419 | -23% |
| Glennie | $2,718 | -12% |
| Bath | $2,346 | -26% |
| Eagle | $2,346 | -26% |
| La Salle | $2,681 | -13% |
| Newport | $2,623 | -15% |
| Rockwood | $3,066 | +0% |
| Temperance | $2,574 | -17% |
| Southgate | $3,308 | +8% |
| Ferndale | $3,683 | +19% |
| Hazel Park | $4,116 | +30% |
| Macomb | $3,271 | +7% |
| Roseville | $3,610 | +17% |
| Erie | $2,763 | -10% |
| Flat Rock | $3,183 | +4% |
| Bellaire | $2,541 | -18% |
| Eastlake | $2,676 | -13% |
| Elberta | $2,607 | -16% |
| Grawn | $2,599 | -16% |
| Idlewild | $2,848 | -7% |
| Kewadin | $2,460 | -21% |
| Manton | $2,666 | -14% |
| Thompsonville | $2,652 | -14% |
| Boyne City | $2,505 | -20% |
| East Jordan | $2,584 | -17% |
| Harsens Island | $2,673 | -13% |
| Harrison Township | $3,768 | +21% |
| Madison Heights | $3,401 | +11% |
| Elk Rapids | $2,481 | -21% |
| Evart | $2,822 | -8% |
| Filer City | $2,641 | -14% |
| Honor | $2,645 | -14% |
| Manistee | $2,636 | -15% |
| Alanson | $2,482 | -21% |
| De Tour Village | $2,744 | -11% |
| Ellsworth | $2,503 | -20% |
| Whitmore Lake | $2,466 | -21% |
| Black River | $2,686 | -13% |
| Cass City | $2,826 | -8% |
| Lincoln | $2,708 | -12% |
| Dansville | $2,483 | -21% |
| Deerton | $2,672 | -13% |
| Eben Junction | $2,740 | -11% |
| Little Lake | $2,680 | -13% |
| Hermansville | $2,999 | -2% |
| New Boston | $3,276 | +7% |
| Harper Woods | $4,512 | +39% |
| Palms | $2,923 | -4% |
| Higgins Lake | $2,587 | -17% |
| Rhodes | $2,760 | -10% |
| Eastport | $2,496 | -20% |
| Empire | $2,565 | -17% |
| Glen Arbor | $2,515 | -19% |
| Harrietta | $2,698 | -12% |
| Irons | $2,835 | -7% |
| Leroy | $2,736 | -11% |
| Cedar | $2,445 | -22% |
| Falmouth | $2,707 | -12% |
| Frankfort | $2,597 | -16% |
| Hersey | $2,734 | -11% |
| Leland | $2,434 | -23% |
| Old Mission | $2,507 | -20% |
| Boyne Falls | $2,518 | -19% |
| Cedarville | $2,616 | -15% |
| Charlevoix | $2,464 | -21% |
| Dafter | $2,597 | -16% |
| Britton | $2,526 | -19% |
| Jerome | $2,819 | -8% |
| Riga | $2,450 | -22% |
| Brohman | $2,833 | -7% |
| Cannonsburg | $2,510 | -20% |
| Coral | $2,903 | -5% |
| Rodney | $2,824 | -8% |
| Shelbyville | $2,717 | -12% |
| Commerce Township | $2,852 | -7% |
| Genesee | $3,020 | -1% |
| Caseville | $2,729 | -11% |
| Oscoda | $2,625 | -15% |
| Bancroft | $2,635 | -15% |
| Columbiaville | $2,776 | -10% |
| Gaines | $2,759 | -10% |
| Holly | $2,858 | -7% |
| Augusta | $2,484 | -21% |
| Burr Oak | $2,667 | -13% |
| Hagar Shores | $2,444 | -22% |
| Paw Paw | $2,550 | -18% |
| Scotts | $2,427 | -23% |
| Watervliet | $2,533 | -19% |
| Galien | $2,440 | -22% |
| New Buffalo | $2,407 | -24% |
| Henderson | $2,572 | -17% |
| Mason | $2,393 | -24% |
| Middleton | $2,640 | -15% |
| Muir | $2,706 | -12% |
| Portland | $2,562 | -17% |
| Athens | $2,622 | -15% |
| Petoskey | $2,451 | -22% |
| Posen | $2,581 | -17% |
| Rudyard | $2,632 | -15% |
| Tower | $2,752 | -10% |
| Kingsford | $2,626 | -15% |
| Chatham | $2,837 | -7% |
| Cooks | $2,713 | -12% |
| Michigamme | $2,603 | -16% |
| Munising | $2,640 | -15% |
| Nadeau | $2,826 | -8% |
| Shingleton | $2,698 | -12% |
| Grass Lake | $2,656 | -14% |
| Norvell | $2,702 | -12% |
| Ada | $2,488 | -20% |
| Barryton | $2,882 | -6% |
| Burnips | $2,549 | -18% |
| Casnovia | $2,649 | -14% |
| Moline | $2,515 | -19% |
| Pierson | $2,798 | -9% |
| Almont | $3,055 | +0% |
| Chassell | $2,839 | -7% |
| Ontonagon | $2,660 | -14% |
| Rockland | $2,724 | -11% |
| Skanee | $2,809 | -8% |
| White Pine | $2,615 | -15% |
| Munith | $2,721 | -11% |
| Onondaga | $2,658 | -14% |
| Somerset Center | $2,662 | -14% |
| Baldwin | $2,914 | -5% |
| Belmont | $2,544 | -18% |
| Middleville | $2,621 | -15% |
| Glenn | $2,548 | -18% |
| Jenison | $2,371 | -25% |
| Marne | $2,461 | -21% |
| Walkerville | $2,867 | -6% |
| Zeeland | $2,245 | -31% |
| Cadillac | $2,514 | -19% |
| Acme | $2,535 | -19% |
| Plainwell | $2,496 | -20% |
| Richland | $2,389 | -24% |
| South Haven | $2,423 | -23% |
| Union City | $2,709 | -12% |
| Sodus | $2,375 | -25% |
| Douglas | $2,563 | -17% |
| Hamilton | $2,453 | -22% |
| Pullman | $2,565 | -17% |
| Mulliken | $2,587 | -17% |
| Shepherd | $2,547 | -18% |
| Six Lakes | $2,892 | -5% |
| Stanton | $2,954 | -3% |
| Elwell | $2,561 | -18% |
| Ovid | $2,518 | -19% |
| Lennon | $2,784 | -9% |
| North Branch | $2,832 | -8% |
| Auburn | $2,333 | -27% |
| Beaverton | $2,753 | -10% |
| Bentley | $2,579 | -17% |
| Houghton Lake | $2,633 | -15% |
| Lake George | $2,824 | -8% |
| White Cloud | $2,802 | -9% |
| Wyoming | $2,498 | -20% |
| Clayton | $2,573 | -17% |
| Homer | $2,695 | -12% |
| Manitou Beach | $2,583 | -17% |
| Osseo | $2,748 | -11% |
| Rives Junction | $2,698 | -12% |
| Spring Arbor | $2,594 | -16% |
| Hopkins | $2,497 | -20% |
| Kent City | $2,679 | -13% |
| Lowell | $2,565 | -17% |
| Remus | $2,732 | -11% |
| Lake Linden | $2,810 | -8% |
| Marenisco | $2,670 | -13% |
| Allendale | $2,428 | -23% |
| Free Soil | $2,867 | -6% |
| Fremont | $2,637 | -15% |
| Hart | $2,699 | -12% |
| Rothbury | $2,609 | -16% |
| Whitehall | $2,472 | -21% |
| Cement City | $2,687 | -13% |
| Hillsdale | $2,681 | -13% |
| Sand Creek | $2,482 | -21% |
| Caledonia | $2,504 | -20% |
| Grant | $2,791 | -9% |
| Mecosta | $2,915 | -5% |
| Sparta | $2,560 | -18% |
| Hesperia | $2,816 | -8% |
| Mears | $2,647 | -14% |
| Saugatuck | $2,293 | -28% |
| Bear Lake | $2,658 | -14% |
| Lewiston | $2,604 | -16% |
| Paradise | $2,630 | -15% |
| Wolverine | $2,697 | -12% |
| Big Bay | $2,654 | -14% |
| Curtis | $2,597 | -16% |
| Germfask | $2,675 | -13% |
| Mc Millan | $2,607 | -16% |
| Hale | $2,765 | -10% |
| Munger | $2,404 | -24% |
| Frontier | $2,622 | -15% |
| Jasper | $2,490 | -20% |
| Waldron | $2,701 | -12% |
| Alto | $2,554 | -18% |
| Big Rapids | $2,725 | -11% |
| Sand Lake | $2,760 | -10% |
| Marion | $2,741 | -11% |
| Suttons Bay | $2,487 | -20% |
| Bay Shore | $2,494 | -20% |
| Herron | $2,598 | -16% |
| Pewamo | $2,614 | -15% |
| Saranac | $2,713 | -12% |
| Sumner | $2,675 | -13% |
| Weidman | $2,698 | -12% |
| Haslett | $2,361 | -26% |
| Lyons | $2,731 | -11% |
| Mcbrides | $2,855 | -7% |
| Maple Rapids | $2,521 | -19% |
| Shelby | $2,631 | -15% |
| Spring Lake | $2,287 | -29% |
| Potterville | $2,520 | -19% |
| Saint Johns | $2,447 | -22% |
| Standish | $2,646 | -14% |
| Barton City | $2,704 | -12% |
| University Center | $2,349 | -26% |
| Bridgeport | $2,787 | -9% |
| Mayville | $2,912 | -5% |
| Owendale | $2,788 | -9% |
| Sebewaing | $2,774 | -10% |
| Silverwood | $2,929 | -4% |
| Turner | $2,728 | -11% |
| Fenwick | $2,773 | -10% |
| Greenville | $2,750 | -10% |
| Ithaca | $2,604 | -16% |
| Morrice | $2,654 | -14% |
| Riverdale | $2,617 | -15% |
| Allen | $2,747 | -11% |
| Brooklyn | $2,575 | -17% |
| Mosherville | $2,749 | -10% |
| Pleasant Lake | $2,722 | -11% |
| Reading | $2,751 | -10% |
| Laingsburg | $2,647 | -14% |
| Orleans | $2,697 | -12% |
| Sheridan | $2,872 | -6% |
| Blissfield | $2,504 | -20% |
| Lake Odessa | $2,714 | -12% |
| Lakeview | $2,908 | -5% |
| Pompeii | $2,564 | -17% |
| Rosebush | $2,598 | -16% |
| Webberville | $2,573 | -17% |
| Bangor | $2,589 | -16% |
| Centreville | $2,587 | -17% |
| Baroda | $2,318 | -27% |
| Adrian | $2,517 | -19% |
| Croswell | $2,779 | -9% |
| Durand | $2,541 | -18% |
| Filion | $2,737 | -11% |
| Harbor Beach | $2,934 | -4% |
| Clarksville | $2,696 | -12% |
| Goodells | $2,770 | -10% |
| Macatawa | $2,385 | -25% |
| Scottville | $2,740 | -11% |
| Sylvan Beach | $2,482 | -21% |
| Custer | $2,850 | -7% |
| Fruitport | $2,523 | -19% |
Estimate your car insurance cost in Michigan
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Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500These are sample rates and should only be used for comparative purposes.
Bankrate Scores
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
-
Cost & ratings 50%
-
Coverage & savings 30%
-
Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
