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Best car insurance in Michigan for 2024

Updated Nov 01, 2024
Geico, USAA and Progressive write some of the best car insurance in Michigan.
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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
Rating: 4.4 stars out of 5
$1,530
$603
4.2
Rating: 4.2 stars out of 5
$1,703
$484
4.4
Rating: 4.4 stars out of 5
$2,687
$890
4.3
Rating: 4.3 stars out of 5
$2,351
$519
4.2
Rating: 4.2 stars out of 5
$2,291
$447

Geico

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$128/mo

Avg. full coverage premium

$1,530/yr

Customer satisfaction

641/1,000

USAA

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$142/mo

Avg. full coverage premium

$1,703/yr

Customer satisfaction

726/1,000

Progressive

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$224/mo

Avg. full coverage premium

$2,687/yr

Customer satisfaction

648/1,000

Auto-Owners

Auto-Owners

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$196/mo

Avg. full coverage premium

$2,351/yr

Customer satisfaction

646/1,000

Travelers

Travelers

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$191/mo

Avg. full coverage premium

$2,291/yr

Customer satisfaction

606/1,000

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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.

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Why you can trust Bankrate

Read our full methodology

To 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

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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 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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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

City Avg. annual full coverage premium Avg. savings vs. state average

Estimate your car insurance cost in Michigan

With the calculator below, you can get a rough estimate of your Michigan car insurance cost by entering a couple of pieces of information. While it’s not an exact quote, it can help give you a general ballpark of what your insurance costs will be in Michigan.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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Why we're asking
Methodology

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:

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40 year old
Single male and female driver
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2022 Toyota Camry
Primary vehicle
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Good credit score
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Clean driving record
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Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

These are sample rates and should only be used for comparative purposes. 

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46
years of industry expertise
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122
carriers reviewed
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34.5K
ZIP codes examined
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1.2M
quotes analyzed

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.

5
Rating: 5 stars out of 5
Overall Score
  • 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.
Written by
Natalie Todoroff
Writer, Insurance
Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.
Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute