Best Car Insurance in Michigan

fact checked icon

Updated: November 24, 2025

Advertising & Editorial Disclosure

Best Car Insurance 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 in the state across all residential zip codes. All in total, these companies offer the best car insurance in Michigan based on our analysis (Click each category to learn more about the winners):

Best By Rating Category:

Best By Driver and Coverage Category:

To ensure you get a good deal on Michigan auto insurance, we've also provided answers to common frequently asked questions around the topic (Click To Learn More).

Best Car Insurance Companies in Michigan

We found the best cheap car insurance company in Michigan for most drivers with no violations and good credit is Travelers, regardless of if you want liability-only or full coverage. For those with high-risk driving profiles, bad credit and seniors 65 and older, Progressive has the best balance of customer service, coverage options and low costs. If you are a young driver 25 and under, Auto-Owners is your best bet for ideal coverage in Michigan.

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.

mglogo icon
LEARN MORE ABOUT THE BEST CHEAP AUTO INSURANCE IN MICHIGAN

Learn more in-depth information about the best vehicle insurance in Michigan for your particular profile with the following resources:

Travelers

Travelers: Best Cheap Michigan Car Insurance Company Overall

checkmarkpros

  • Ranks first for affordability with the lowest average premiums

  • Excellent customer service with second-highest satisfaction ratings

  • Strong financial stability rating and extensive nationwide coverage

closecons

  • Middle-of-the-pack ranking for coverage options

  • Digital tools and mobile app features lag behind some competitors

COMPANY HIGHLIGHTS

Travelers ranks as Michigan's top cheap auto insurance provider for most drivers, particularly those with clean driving records and good credit. Monthly premiums from the company are the lowest in the state, particularly for those between 26-64, starting as low as $310 per year for minimum coverage. In addition, they have the 2nd best customer experience in the state (best among national insurers) as the only nationally available provider with a positive sentiment on Reddit and a NAIC complaint that was 60% less than average. 

Their most unique add-on is for new car replacement which lasts five years instead of the standard two from purchase, making it especially valuable if you're in the market for the latest vehicles. You can also save additionally by up to 30% on Michigan car insurance with their IntelliDrivePlus telematics program that tracks driving habits.

Read Our Review: Travelers Car Insurance Review

Auto-Owners

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

checkmarkpros

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

  • A great option for most younger drivers under 25

  • Strong financial stability rating

  • Offers unique add-ons like diminishing deductible and gap coverage

closecons

  • Offers fewer choices for add-ons

  • Not as affordable for most drivers

COMPANY HIGHLIGHTS

Auto-Owners Insurance ranks second overall in Michigan for car insurance mainly due to their customer experience reputation for helpful agents and effective claims handling. In our personal study of complaints and public reviews of agents the company scored a 4.6 out of 5 for agent service (2nd among regional insurers), a majority positive sentiment from customers on Reddit, and a low complaints index on the NAIC (89% below average).

Younger drivers fare the best in terms of pricing with the company with rates that are the second lowest in the state for both minimum and full coverage ($69/mo for minimum, $160/mo for full coverage), but most will find better rates elsewhere. While their pricing can come at a higher premium their unique included coverage for original manufacturer parts (OEM) on newer vehicles may be worth the value for some drivers.

Read Our Review: Auto-Owners Car Insurance Review

Progressive

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

checkmarkpros

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

  • 2nd best coverage option selection in the state

  • 3rd best overall customer service experience

  • Great discount offerings and incentives for buying online

closecons

  • Much more expensive for good drivers under 65

COMPANY HIGHLIGHTS

While not the ideal option for good drivers, Progressive earned our title as the best car insurance option in Michigan for coverage options and most high-risk drivers in the state. The company also earned the highest agent service score in our study among national insurers (excluding USAA), the title of the cheapest SR-22 insurance provider in the state with rates 60% lower than the state average and is widely known as one of the only national companies willing to work with bad credit and those with driving violations in our Reddit sentiment analysis.

If you need additional protection, the company has an expansive add-on selection including standard options like roadside assistance and other rarer offerings like accident forgiveness, custom equipment and diminishing deductible coverages. Even if Progressive is not the best affordable Michigan auto insurance option for you, the company offers significant discounts for quoting (7% avg) and buying online (10% avg) and a telematics program that on average saves their customers $322 per year.

Read Our Review: Progressive Car Insurance Review

Best Car Insurance in Michigan By City

At the city level, Travelers still dominates with the best car insurance in most Michigan areas in the state. However, depending on your city, town or village, Auto-Owners and Progressive may be better options:

  • Michigan 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
  • Michigan Cities Where Progressive is Best: Allen Park, Garden City, Grosse Ile, Livonia, Northville, Wyandotte

Below you can see which companies are the best for auto insurance in the 20 largest cities (by population) in the state.

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

Learn the step-by-step the process of getting the best car insurance in Michigan that our MoneyGeek experts recommend below.

  1. 1

    Decide on your car insurance needs before buying

    To not overpay, you need to determine how much car insurance you need in Michigan based on your risk profile, location and financial situation. For example, if you're in a higher risk area like Detroit you may want to get higher liability limits and collisions coverage due to the high medical costs and accident risk. You can use our car insurance needs calculator to get a recommendation, and you should talk to an independent agent to get additional advice.

  2. 2

    Research Michigan car insurance costs and discounts

    Having average car insurance costs for your profile while searching for quotes in Michigan gives you a yardstick to determine who is cheap and who isn't. In addition to this, to cut the time you're spending searching for policies, researching who tends to be the cheapest auto insurance provider (top 5) for you narrows your focus. During these processes, keep an eye out for discounts you may qualify for to ask agents about by the time you compare quotes.

  3. 3

    Look into provider reputations and coverage options

    Choosing the best car insurance provider in Michigan is more than just selecting the lowest rate, and you should take into account their customer's experiences and add-on vehicle coverage options. Use resources like the NAIC, A.M. Best, J.D. Power and reputable online forum platforms like Trustpilot to gauge customer service from buying to claims.

  4. 4

    Compare quotes from multiple providers and through different means

    Once you've done your in-depth research, compare Michigan car insurance quotes from at least five providers with apples-to-apples coverage. The pricing you receive will differ depending on the quote method you use as well. So use a good mix of comparison sites, independent agents, captive agents and company websites when comparing.

  5. 5

    Reassess your policy every year

    Car insurance rates fluctuate, and adjustments are made very often throughout the year. In order to get the best pricing for the Michigan car insurance coverage you need, repeat this process annually.

Best Auto Insurance in Michigan: FAQ

Below we've summarized frequently asked questions and answers you need to make a decision on the best car insurance company for you 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 Michigan: Bottom Line

In total, the best cheap companies for auto insurance in Michigan are Travelers, Auto-Owners and Progressive across the most common driver categories in the state. While this these insurers are our recommendations, the right fit for you depends on your unique profile and specific needs outside of it. So, in order to get the right fit, decide on your coverage needs before buying, research average costs and discounts, investigate provider reputations, and compare plenty of 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. 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!

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

Read Full Bio »

MoneyGeek Address:1325 Howard Ave, Suite 338
Burlingame, CA 94010

MoneyGeek Phone:904-878-4335

About MoneyGeekPressPrivacy PolicyTerms of UseSitemap
Copyright © 2025 MoneyGeek.com. All Rights Reserved