MichiganCar Insurance

Find the Best Car Insurance Quotes & Options in Michigan

In Michigan, car insurance rates are the highest in the country. Resident drivers in Michigan pay an average of $2,476 annually for car insurance, which is much higher than the current national average of $1,311 per year. Regardless, all drivers must carry at least the state's minimum coverage requirements before they can legally hit the road. But you'll most likely want a car insurance policy with more than just the bare minimum coverage.

An independent insurance agent can help you find the right kind of car insurance for you at an affordable rate. They'll help you get only the coverage you really need, and shop around for the best price. But for starters, here's a deep dive into car insurance requirements and more in Michigan. 

Best Car Insurance Companies in Michigan

It can be time-consuming to browse hundreds of Michigan car insurance companies when searching for the right policy for you. That's why we've broken down the best car insurance companies in Michigan by category, including the best car insurance overall, the best for minimum liability, the best for full coverage, the best for young drivers, and the best for drivers with accidents on their records. Check out our top-recommended Michigan car insurance companies below.

• Best Michigan Car Insurance Company Overall: Progressive
• Best Michigan Car Insurance Company for Minimum Liability: The Hanover
• Best Michigan Car Insurance Company for Full Coverage: USAA
• Best Michigan Car Insurance Company for Young Drivers: Progressive
• Best Michigan Car Insurance Company for Accident History: USAA

A Michigan independent insurance agent can help you decide if any of these companies have the type of car insurance you need most.

Best Michigan Car Insurance Company Overall: Progressive

Our Number One choice for the best Michigan car insurance company overall goes to Progressive. Thanks to the carrier's high financial strength ratings, 24/7/365 customer service, and a plethora of auto insurance discounts, Progressive is a great choice for drivers of any age. The carrier also scored 827 out of 1,000 on the recent J.D. Power survey. For a full coverage policy, rates from Progressive average just $140 per month.

Founded in 1937, Progressive has been around for quite a while. The insurance company was the first in the industry to offer installment payments for policy premiums. Progressive's mission was to become the top choice for car insurance with both consumers and agents, and the carrier has certainly done a lot to accomplish that. The carrier has an extensive history and offers a wide selection of other insurance products. Overall, Progressive has developed a reputation as a stable insurance company with a strong outlook for the future. 

Best Michigan Car Insurance Company for Minimum Liability: The Hanover

Our top choice for the best Michigan car insurance company for minimum liability coverage only goes to The Hanover. Thanks to The Hanover's selection of policies with different coverage amounts and levels, ranging from Platinum Auto plans to Connections Auto plans, drivers can select only the coverage they really want. An independent insurance agent can provide you with quotes for The Hanover's minimum coverage car insurance in your town.

The Hanover was founded in 1852, giving the carrier well over a century and a half of experience in the industry. The carrier works with independent insurance agents and offers coverage in most states. AM Best, the leading global credit rating agency monitoring the insurance industry, ranks the insurance company's financial size category as $2 billion or greater.

The Hanover has a rich history and offers numerous products through both personal and commercial lines, earning it a reputation as a quality insurance company with a strong outlook for the future. AM Best gives The Hanover an overall “A” rating, indicating the carrier is an excellent choice for insurance customers. 

Best Michigan Car Insurance Company for Full Coverage: USAA

Our top choice for the best Michigan full-coverage car insurance company goes to USAA. The carrier provides affordable "full coverage" auto insurance for drivers in MI. Full coverage policies include the state's minimum required coverage, plus extras like collision coverage, comprehensive coverage, and more. In Michigan, a full-coverage auto insurance policy from USAA averages just $1,375 per year.

USAA was founded in 1922 and has more than a century of experience in the industry. The carrier was first created by a group of Army officers who decided to insure each other’s vehicles and has since expanded to servicing millions of customers across the country with a variety of coverage solutions.

Recently, USAA’s net worth surpassed $35 billion. The insurance company has more than 13 million policyholders today and 35,000 employees. USAA has also paid out $2.4 billion in returns to its customers over time. The insurance company is consistently rated highly by major agencies like Moody’s Investors Service and Standard & Poor. AM Best rates the insurance company an "A++," the highest available, in terms of financial strength.

Best Michigan Car Insurance Company for Young Drivers: Progressive

Our top pick for the best car insurance company in Michigan for young drivers goes to Progressive. In addition to Progressive's high financial strength rating and 24/7/365 customer service, the carrier offers many different car insurance discounts, including discounts for distant students and good students. The insurance company also offers the most affordable car insurance for young drivers in Michigan, starting at just $1,204 per year for 25-year-olds.

Best Michigan Car Insurance Company for Accident History: USAA

Our top choice for the best Michigan car insurance company for drivers with accident histories goes to USAA. Coverage rates for drivers can increase dramatically after just one accident or other traffic violation. But USAA helps keep car insurance premiums affordable for drivers after an accident, starting at just $1,674 per year.

Michigan Car Insurance Requirements

No matter which state you get your license in, you'll be required to carry certain types of car insurance at minimum before you can legally drive. Michigan is no exception. Without the state's minimum coverage, you could face penalties like fines or worse. Drivers in the state of Michigan must carry at least the following:

• Bodily injury liability: In Michigan, this coverage is required in amounts of $50,000 per person and $100,000 per accident. Coverage pays the costs of medical treatment for another driver and their passengers after an accident you're at fault for.
• Property damage liability: In Michigan, this coverage is required in the amount of $10,000 per accident outside of the state, and $1 million for accidents within Michigan. Coverage pays the costs of repairs to a third party's personal property, like a vehicle, fences, etc., if you damage it with your car.
• Personal injury protection: In Michigan, this coverage is required in the amount of $250,000. Coverage can pay for your own medical expenses after an accident you're at fault for.

Optional car insurance coverages in Michigan include:

• Roadside assistance: Pays for the costs of towing, etc., if you break down on the side of the road.
• Comprehensive: Pays for costs caused by threats other than collision, including incidents with large animals, windshield breaks, and more. 
• Collision: Pays for damage to your own vehicle after an accident you're at fault for.
• Uninsured motorist coverage: Pays for damage to your vehicle or medical treatment if another driver causes a collision and doesn't have any or enough insurance of their own.
• Gap coverage: Pays the difference between what your vehicle is worth and what you owe on your remaining vehicle loan after a collision.
• Rental car reimbursement: Pays for the costs of a rental car after a covered accident.

A Michigan independent insurance agent can help you build the car insurance policy that works best for you and your family.

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Average Cost of Car Insurance in Michigan

Car insurance in Michigan costs $2,476 per year on average. Overall US averages for car insurance are $1,311 per year, making Michigan's auto insurance rates the most expensive in the country. But auto insurance costs can vary depending on the insurance company you get a policy through, which coverages you need, the amount of each coverage you buy, etc. Full coverage in Michigan starts at about $1,375 per year from cheaper carriers like Progressive.

Average Michigan Car Insurance Costs By City

More expensive car insurance premiums can be due to an area's crime rates, car values, traffic rates, risk of inclement weather, and more. So car insurance rates vary not only by the state, but down to each city. In Michigan, resident drivers in the city of Mount Pleasant pay the lowest car insurance rates, on average, for the whole state, at just $1,778 per year. But resident drivers in Detroit pay about $2,813 for car insurance each year, the highest in the state.

Finding Car Insurance Discounts in Michigan

The high cost of car insurance in Michigan can be stressful for many drivers. Fortunately, there are many different car insurance discounts available to help reduce your coverage costs. Discounts offered will vary by each specific insurance company, but you may be able to find one or more of the following:

• Anti-theft devices: Offered to customers whose vehicles are equipped with anti-theft devices that add to their security, such as an alarm.
• Safe driver discount: Offered to drivers with a clean track record with no accidents or traffic violations over the past few years.
• Military discount: Offered to active or even retired military members.
• Paperless billing: Offered to customers who sign up for paperless billing statements.
• Student driver discount: Offered to customers with households that have a student driver.
• Other discounts: If a customer belongs to a certain organization such as a union, group, or the government, or is a teacher, they may earn an additional discount on car insurance premiums.

Your Michigan independent insurance agent can help you find any discounts you qualify for on auto insurance.

How to Find the Best Car Insurance Quote in Michigan

Working with a Michigan independent insurance agent greatly helps simplify the process of obtaining a car insurance quote. Independent insurance agents are familiar with local car insurance companies in your area, and they know who offers the best blend of coverage and cost. They can also present you with several different quotes together in one place for your convenience. Work with a Michigan independent insurance agent to find the best car insurance quote in Michigan today.

How to File a Car Insurance Claim in Michigan

Filing a car insurance claim in Michigan doesn't have to be confusing. When you know the process, it can help streamline not only filing a claim, but also obtaining the reimbursement you're entitled to by your policy. Here's an outline of the claims process in Michigan for your reference.

1. File a police report: This is step number one after an accident.
2. Treat any injuries: All injured parties should receive medical attention ASAP.
3. Call your independent insurance agent: A Michigan independent insurance agent can call your insurance company and get the claims process started for you.
4. Get a rental vehicle: Your agent can provide you with a claim number, and they can also help you arrange to get a rental vehicle if it's included in your coverage.
5. Schedule a visit from an adjuster: Your agent may be able to schedule this for you as well, but you'll probably need to have your vehicle's damage assessed by an adjuster from your insurance company.

Your independent insurance agent in Michigan can not only file claims for you, but keep you updated every step of the way. They can provide ETAs on when you should receive reimbursement, and more.

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

City	Commute time (min)	Auto thefts / 1,000	Annual insurance cost
Adrian	20.2	0.84	$2,106
Ann Arbor	20	1.12	$1,895
Dearborn	20.6	2.83	$2,498
Detroit	25.9	10.4	$2,813
Flint	22.6	2.49	$2,782
Howell	25	0.93	$2,263
Kalamazoo	18	4.28	$2,488
Lansing	19.6	3.09	$2,314
Marquette	11.1	0.24	$1,805
Mount Pleasant	14.3	0.63	$1,778
Sterling Heights	26.1	0.72	$2,217
Traverse City	17.3	0.44	$1,814
Troy	25.6	0.64	$2,171

Popular Questions about Michigan Car Insurance