Travelers ranks as Michigan's best car insurance company, earning a MoneyGeek score of 4.78 out of 5 for its strong affordability and customer service ratings. Since insurance needs vary by driver, we also recommend considering Auto-Owners, GEICO, Progressive and AAA.
Best Car Insurance in Michigan
Updated: August 27, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Michigan is Travelers, ranking first in affordability.
Auto-Owners offers the best rates for young drivers in Michigan, while Progressive provides the most affordable coverage for drivers with a DUI.
To secure the best car insurance rates in Michigan, decide on coverage needs first, research provider options and compare plenty of quotes before making a decision.
Best Car Insurance Companies in Michigan
| Travelers | 4.78 | $52 | 2 | 5 |
| Auto-Owners | 4.41 | $86 | 1 | 6 |
| GEICO | 4.37 | $56 | 8 | 7 |
| Progressive | 4.26 | $85 | 3 | 2 |
| AAA | 4.11 | $79 | 6 | 7 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Michigan by Driver Profile
Travelers leads as Michigan's most affordable car insurance provider, winning six out of ten categories. Auto-Owners offers the best rates for young drivers, accident history and low income, while Progressive provides the cheapest coverage for drivers with DUIs.
| Young Drivers | Auto-Owners | 2 | 1 | 6 |
| Adult Drivers | Travelers | 1 | 2 | 5 |
| Senior Drivers | Travelers | 1 | 2 | 5 |
| Drivers With an Accident | Auto-Owners | 1 | 1 | 6 |
| Drivers With a DUI | Progressive | 1 | 3 | 2 |
| Drivers With a Speeding Ticket | Travelers | 1 | 2 | 5 |
| Drivers With Bad Credit | Travelers | 3 | 2 | 5 |
| Drivers With Low Income | Auto-Owners | 4 | 1 | 6 |
| Drivers With Newer Cars | Travelers | 2 | 2 | 5 |
| Drivers With Old Cars | Travelers | 1 | 2 | 5 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Michigan Car Insurance Recommendations
Our general recommendations provide a starting point, but your specific profile might need different insurance providers. Compare these five top-rated Michigan insurers to find coverage that matches your unique needs.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Auto-Owners | 4.76 | $188 | 1 | 6 |
| Farm Bureau | 4.50 | $159 | 4 | 8 |
| Pioneer State Mutual Insurance | 4.46 | $187 | 7 | 3 |
| Farmers | 4.29 | $218 | 10 | 1 |
| Travelers | 4.20 | $325 | 2 | 5 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Michigan Car Insurance Reviews
See detailed service comparisons for our top-rated insurance companies below.
Travelers
Best Cheap Overall in Michigan
MoneyGeek Rating
4.8/ of 5
5/5Affordability
4.6/5Customer Experience
4.1/5Coverage Options
Average Monthly Full Coverage Cost
$79For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$25For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
IntelliDrive Plus Program
Auto-Owners
Best Customer Experience in Michigan
MoneyGeek Rating
4.4/ of 5
4.2/5Affordability
5/5Customer Experience
3.6/5Coverage Options
Average Monthly Full Coverage Cost
$115For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$57For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
True Blue Auto Coverage
How to Find the Best Car Insurance in Michigan
Finding the right car insurance in Michigan takes time and research. We've created this guide to help you choose coverage that fits your needs and budget.
- 1
Decide on coverage needs before you buy
Not knowing what coverage you need is the quickest way to overpay for car insurance. Think about your daily commute, where you live and your budget when selecting the coverage you need while ensuring you meet Michigan required minimums.
- 2
Research average costs and discounts you may qualify for
Start by checking average car insurance costs in Michigan. Look into savings opportunities like home and auto insurance bundles, usage-based insurance and good student discounts. Taking a defensive driving program can also reduce your premium costs.
- 3
Look through provider customer experiences and coverage options thoroughly
Review insurers coverage options and add-ons to ensure they offer the protection features that match your needs.
- 4
Consider non-standard coverage options
Manufacturer insurance programs, non-owner car insurance and pay-per-mile policies might better suit your needs and budget.
- 5
Compare plenty of quotes through multiple means
Getting multiple quotes helps you find the cheapest option possible. Contact independent agents and insurance companies directly, as prices often vary.
- 6
Reassess annually
Review your coverage and compare rates yearly to find the best value for your needs.
Best Michigan Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Travelers is the top-rated company overall, while Auto-Owners and GEICO are also good options for drivers in Michigan.
Best Auto Insurance in Michigan: FAQ
Finding the right car insurance starts with your specific needs, so we've gathered expert answers to common questions about choosing coverage that fits your situation.
What is the best car insurance company in Michigan?
Travelers ranks as the best car insurance company in Michigan, earning a MoneyGeek score of 4.78 out of 5 and offering full coverage at an average monthly premium of $79.
What is the best car insurance company for minimum coverage in Michigan?
Travelers leads the pack for minimum coverage in Michigan with an average rate of $301 per year.
What is the best car insurance in Michigan for young drivers?
Auto-Owners provides excellent insurance coverage for young adults in Michigan, combining competitive rates at $831 per year for minimum coverage with strong customer service ratings.
What is the best car insurance for Michigan drivers who value customer service?
Auto-Owners leads customer experience in Michigan with a 5 out of 5. The company excels in their buying process, agent service, policy management tools and general claims satisfaction.
What is the best car insurance in Michigan if you have driving offenses?
Travelers is the leading insurance provider for Michigan motorists with traffic violations, offering monthly rates of $45 for minimum coverage and $147 for full coverage.
How We Rated the Best Car Insurance in Michigan
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Michigan. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Michigan. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Michigan-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.