Best Car Insurance in Michigan

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Updated: December 29, 2025

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Best Car Insurance in Michigan: Fast Facts

MoneyGeek evaluated all auto insurance providers in Michigan and scored their services based on affordability (cost and discounts), customer service, and coverage options across all residential ZIP codes. All in total, these companies offer the best car insurance in Michigan (Click on each category to learn more about the winners):

Best by Rating:

Best by Driver and Coverage:

To ensure you get a good deal on Michigan auto insurance, we also provided answers to common questions about the topic (Click to learn more).

Best Car Insurance Companies in Michigan

Travelers offers the best cheap car insurance in Michigan for drivers with clean records and good credit, whether you need minimum or full coverage. Progressive provides the best balance of customer service, coverage options and affordable rates for high-risk drivers, seniors 65 and older, and drivers with bad credit. Young drivers 25 and under get the best value from Auto-Owners.

Travelers4.78$5225
Auto-Owners4.41$8616
Geico4.37$5687
Progressive4.26$8532
AAA4.11$7967

How We Chose the Best Car Insurance Companies in Michigan

Compare Michigan Car Insurance Rates From Top Companies

Enter your ZIP code to quickly compare quotes with top car insurance companies in Michigan.

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LEARN MORE ABOUT THE BEST CHEAP AUTO INSURANCE IN MICHIGAN

Get more in-depth information about the best vehicle insurance in Michigan for your profile:

Travelers

Travelers: Best Cheap Michigan Car Insurance Company Overall

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  • Lowest average premiums in Michigan

  • Second-highest customer satisfaction ratings in the state

  • Strong financial stability with nationwide coverage

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  • Limited coverage options compared to top-ranked insurers

  • Basic digital tools and mobile app features

COMPANY HIGHLIGHTS

Travelers is Michigan's top cheap auto insurance provider for those with clean driving records and good credit. Monthly premiums from the company are the lowest in the state for those between 26 and 64, starting as low as $310 per year for minimum coverage. It has the state's second-best customer experience (best among national insurers) as the only nationally available provider with a positive sentiment on Reddit and a NAIC complaint that's 60% less than average. 

Its unique add-on is for new car replacement, which lasts five years instead of the standard two from purchase. You can also save by up to 30% on Michigan car insurance with its IntelliDrivePlus telematics program that tracks driving habits.

Read more: Travelers Car Insurance Review

Auto-Owners

Auto-Owners: Best Michigan Car Insurance for Young Drivers and Customer Service

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  • Ranks first in customer satisfaction with exceptional claims handling and service

  • A great option for most younger drivers under 25

  • Strong financial stability rating

  • Unique add-ons like diminishing deductible and gap coverage

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  • Offers fewer choices for add-ons

  • Not as affordable for most drivers

COMPANY HIGHLIGHTS

Auto-Owners ranks second in Michigan for car insurance due to its reputation for a customer-friendly experience, including helpful agents and effective claims handling. In our study of complaints and public reviews of agents, the company scores a 4.6 out of 5 for agent service (second among regional insurers), a majority positive sentiment from customers on Reddit, and a low complaints index on the NAIC (89% below average).

Auto-Owners offers younger drivers the second-lowest rates in Michigan: $69 monthly for minimum coverage and $160 for full coverage. Drivers over 25 pay higher premiums with Auto-Owners, but Auto-Owners includes original equipment manufacturer (OEM) parts coverage on newer vehicles at no extra cost. Other insurers charge extra for this coverage.

Read more: Auto-Owners Car Insurance Review

Progressive

Progressive: Best Michigan Car Insurance for Seniors, High-Risk Drivers, Bad Credit and Coverage Options

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  • Best Michigan rates for high-risk drivers, seniors and drivers with bad credit

  • Second-best coverage options in Michigan

  • Third-best customer service ratings

  • Multiple discounts plus online purchase incentives

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  • Higher rates for drivers under 65 with clean records

COMPANY HIGHLIGHTS

Progressive works best for high-risk drivers and those seeking extensive coverage options in Michigan. The insurer earns the highest agent service score among national insurers (excluding USAA) in our study. Progressive offers Michigan's cheapest SR-22 insurance with rates 60% below the state average. Reddit sentiment analysis shows Progressive is one of the few national insurers willing to cover drivers with bad credit and violations.

Progressive's add-on selection includes standard options like roadside assistance, plus accident forgiveness, custom equipment coverage and diminishing deductible. You'll save 7% on average for getting a quote online and 10% for buying online. Progressive's telematics program saves customers an average of $322 annually.

Read more: Progressive Car Insurance Review

Best Car Insurance in Michigan by City

Travelers is the best car insurance in most Michigan cities. Depending on your city, town or village, Auto-Owners and Progressive may be better options:

  • Cities where Auto-Owners is best: Belleville, Canton, Dearborn Heights, Ecorse, Flat Rock, Gibraltar, Inkster, Lincoln Park, Melvindale, New Boston, Plymouth, River Rouge, Riverview, Romulus, Southgate, Taylor, Trenton, Wayne, Westland
  • Cities where Progressive is best: Allen Park, Garden City, Grosse Ile, Livonia, Northville, Wyandotte

See which companies are the best for auto insurance in the 20 largest cities (by population) in the table.

Ann ArborTravelers$5025
CantonAuto Owners$8116
Clinton TownshipTravelers$5825
DearbornTravelers$11225
DetroitTravelers$11925
Farmington HillsTravelers$4425
FlintTravelers$7525
Grand RapidsTravelers$4225
KalamazooTravelers$3925
LansingTravelers$4325
LivoniaProgressive$7532
MacombTravelers$4425
Rochester HillsTravelers$4425
ShelbyTravelers$3725
SouthfieldTravelers$6125
Sterling HeightsTravelers$6725
TroyTravelers$5825
WestlandAuto Owners$8916
WyomingTravelers$4325

How to Find the Best Car Insurance in Michigan

Follow these steps to find the best car insurance in Michigan.

  1. 1

    Decide on your car insurance needs before buying

    Determine how much car insurance you need in Michigan based on your risk profile, location and financial situation. Drivers in high-risk areas like Detroit should consider higher liability limits and collision coverage because of increased medical costs and accident rates. Use our car insurance needs calculator for a recommendation, then talk to an independent agent for personalized advice.

  2. 2

    Research Michigan car insurance costs and discounts

    Know the average car insurance costs for your profile before requesting quotes. This gives you a baseline to identify competitive rates. Research the cheapest auto insurance providers for your profile to narrow your search. Note discounts you qualify for so you can ask agents about them when comparing quotes.

  3. 3

    Look into provider reputations and coverage options

    The lowest rate doesn't always mean the best value. Check customer experiences and available vehicle coverage options before deciding. Use resources like the NAIC, AM Best, J.D. Power and Trustpilot to research customer service quality and claims handling.

  4. 4

    Compare quotes from multiple providers and through different means

    Compare Michigan car insurance quotes from at least five providers with identical coverage. Quote methods affect pricing, so use a mix of comparison sites, independent agents, captive agents and company websites.

  5. 5

    Reassess your policy every year

    Car insurance rates change frequently throughout the year. Repeat this process annually to maintain the best rates for your coverage needs.

Best Auto Insurance in Michigan: FAQ

Find answers to common questions about choosing car insurance in Michigan.

Who are the cheapest car insurance providers in Michigan?

Why is car insurance so expensive in Michigan?

How much is car insurance in Michigan on average?

How can I save money on car insurance in Michigan?

How much car insurance is required in Michigan?

Is unlimited PIP still worth it in Michigan?

Best Auto Insurance in Michigan: Bottom Line

The best cheap companies for auto insurance in Michigan are Travelers, Auto-Owners and Progressive across the most common driver categories. The right fit for you depends on your profile and needs. Decide on your coverage needs before buying, research average costs and discounts, research provider reputations and compare multiple quotes to find the best deal.

Best Car Insurance in Michigan Chart

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

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