BestCar InsuranceMichiganBest Car Insurance in Michigan (2024 Service and Rates)
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Chubb is Michigan’s best auto insurance company for full and minimum coverage. It’s a great choice for young adults, seniors and those with driving violations. However, teens and students fare best with Auto-Owners The best insurance for new car owners comes from Travelers.
MoneyGeek also researched the cheapest car insurance in Michigan if budget is your priority.
BestCar InsuranceMichiganBest Car Insurance in Michigan
Best Overall - Chubb
Best for Service - Chubb
Best for Minimum Coverage - Chubb
Best for Young Adults - Chubb
Best for Seniors - Chubb
Best for Driving Offenses - Chubb
Best for New Cars - Travelers
Best for Military - Chubb
Best Overall for Car Insurance in Michigan
Chubb offers the best overall car insurance in Michigan. The following providers ranked high in MoneyGeek’s analysis:
- Chubb: MoneyGeek score of 95 out of 100 (approximately $961 per year)
- Farm Bureau Insurance: MoneyGeek score of 92 out of 100 (approximately $1,605 per year)
Chubb outperforms the other Michigan insurers MoneyGeek reviewed because it balances affordability, customer satisfaction and financial stability.
The average annual cost of full coverage car insurance in Michigan is $4,333. If you prioritize saving on insurance, you can explore the cheapest full coverage car insurance in Michigan.
1
Farm Bureau Ins of MIBest Overall
Score:92
If you’re looking for a balance of customer service and claims management, Farm Bureau Insurance can be one of your top choices for the best auto insurance in the state. It costs an annual premium of $1,605 for full coverage.
More About Farm Bureau Ins of MI
Michigan drivers searching for insurance that provides original equipment manufacturer (OEM) coverage can choose this insurer. It covers the expenses of parts and services rendered to your vehicle when you face damage because of a covered incident.
Plus, OEM coverage ensures that safety for your car is prioritized. Farm Bureau Insurance charges an annual premium of $1,605 for full coverage.
It also offers other coverage like roadside assistance, rental/travel car reimbursement and new car replacement. So when you encounter car trouble while driving, this insurer covers the cost of troubleshooting, like towing. Also, when your car cannot be used within 24 hours due to a covered loss, it will pay for your car rental or travel expenses.
2
Chubb
Score:84
If you want car insurance that’s affordable and provides quality, Chubb is the best option in Michigan. Its full coverage policy costs $961 annually.
More About Chubb
Michigan drivers looking for original equipment manufacturer (OEM) coverage should consider Chubb. While most insurers won’t pay to use original parts when repairing your car after an accident, Chubb does. Using original parts ensures the vehicle’s safety systems will perform optimally if you have a subsequent accident.
Chubb’s Agreed Value coverage enables you to agree to a value for your car when the policy is written. If your car is stolen or totaled, Chubb will write you a check for the agreed-upon amount. This coverage can save car owners thousands of dollars after a covered loss.
The company also offers rental car reimbursement coverage, allowing you to rent a car similar to yours if yours is not drivable after a covered incident. However, Chubb doesn’t provide roadside assistance or gap insurance, two frequently-offered coverages from auto insurance companies.
How the Best Insurers in Michigan Rank: MoneyGeek Scores and Costs
After analyzing multiple insurance companies in Michigan, we discovered that Chubb outperforms other insurers by balancing affordability, customer satisfaction and claims management. Michigan's Farm Bureau Insurance ranks second and excels in customer service and coverage.
However, both these insurance companies have limited coverage options. If you’re looking for an insurer with more robust coverage options, consider Auto-Owners, Travelers or GEICO. More coverage options tend to come with higher premiums.
An insurance provider only qualifies for an overall MoneyGeek score when we can find the data for all components of our scoring system. Read our methodology for more information.
Best Car Insurance in Michigan for Customer Service
Car insurance buyers in the Wolverine State who prioritize customer services over cost will fare well with Chubb. These Michigan insurance providers offer the best customer service:
- Chubb: MoneyGeek score of 93 out of 100 (approximately $961 per year)
- Farm Bureau Insurance: MoneyGeek score of 92 out of 100 (approximately $1,605 per year)
These insurers score closely on customer satisfaction, but Chubb outperforms Farm Bureau Insurance in claims management and charges much less for full coverage.
pros
Most affordable insurance
Scored 5 out of 5 in claims handling
Offers original equipment manufacturer (OEM) coverage
cons
No roadside assistance coverage
No gap insurance
COMPANY HIGHLIGHTS
Chubb is a renowned car insurance company in Michigan that offers exceptional customer service. With a commitment to providing excellent service and innovative solutions, Chubb has become the top choice for Michigan drivers who want the best insurance experience.
Chubb is notable for its original equipment manufacturer (OEM) coverage. The insurer covers the cost of original parts and services to repair your car if there’s damage incurred due to a covered loss. Using original parts ensures your vehicle’s safety features continue to perform at optimal levels. However, Chubb doesn’t offer roadside assistance or gap insurance, which are common coverages with other insurers that are helpful for drivers.
Among the lowest-priced insurers, Chubb also offers policyholders several discounts that enable additional savings. These include discounts for having safety features, such as daytime running lights, anti-lock brakes, anti-theft systems and honing devices.
What Makes an Insurer the Best for Customer Service?
Excellent customer service means your insurer provides quick and efficient service when you file a claim. The insurer should:
- Be responsive to your inquiries and complaints
- Assist you when problems arise
- Quickly pay any approved claims
We chose Chubb as the best insurance in Michigan for customer service over Farm Bureau Insurance because of its impeccable customer satisfaction score and affordability. It also manages claims well.
Best Car Insurance in Michigan for Minimum Coverage
Chubb offers the best balance of affordability and quality of service when it comes to insurance that meets Michigan’s minimum requirements. Our top recommendations are:
- Chubb: MoneyGeek score of 94 out of 100 (approximately $375 per year)
- Travelers: MoneyGeek score of 91 out of 100 (approximately $101 per year)
Chubb ranks highly for customer satisfaction and affordability. While Travelers is the cheapest option, it doesn’t score as well for customer satisfaction or claims handling.
The average cost of a minimum coverage policy in Michigan is $2,921 per year. While a minimum coverage policy may be the most affordable choice for most drivers, it provides the least protection against liability costs and won’t cover damages to your car.
pros
Original equipment manufacturer (OEM) coverage
Diminished value coverage
Offers various safety equipment discounts
cons
No roadside assistance coverage
Doesn’t offer gap insurance
COMPANY HIGHLIGHTS
In addition to offering the best affordable minimum coverage policies, Chubb provides a wide range of discounts, making it a cost-effective option for drivers on a tight budget. However, the company offers limited coverage options.
Its diminished value coverage allows policyholders to agree on the car's value when the policy is written, providing a predetermined payout in case of theft or total loss, which could save money in the long run. Chubb covers the cost of using original equipment manufacturer (OEM) parts and procedures to ensure vehicle safety systems perform properly in the event of a future accident.
Chubb offers discounts for bundling, anti-lock brakes, honing devices and an anti-theft system in your vehicle. But it doesn’t offer discounts for paperless billing or paying in full.
What Makes an Insurer the Best for Minimum Coverage?
When shopping for the best minimum coverage insurer, consider cost, coverage options and customer service. While minimum coverage policies cost less, they offer limited protection for liability expenses and could leave you vulnerable to a significant financial loss if you are at fault in an accident. This policy also does not cover damages to your vehicle. Remember, there’s often a trade-off between coverage and cost.
Choosing an insurer that offers reliable customer service and provides adequate coverage based on your needs and preferences is important. Chubb meets all the requirements of an excellent minimum coverage insurance company. It’s affordable, has good customer service and excellent claims management.
Best Car Insurance in Michigan for Young Adults
The best auto insurance provider for young adults in Michigan is Chubb. It balances affordability with excellent claims management and customer satisfaction. The following insurers ranked best in this category:
- Chubb: MoneyGeek score of 95 out of 100 (approximately $1,066 per year)
- Farm Bureau Insurance: MoneyGeek score of 92 out of 100 (approximately $1,985 per year)
Drivers in their 20s pay less than teen drivers for car insurance. Yet, they pay more than middle-aged drivers. If you’re looking for an auto insurance provider that offers lower premiums, we advise comparing quotes to find the cheapest car insurance for young drivers in Michigan.
pros
Rental car/travel reimbursement
OEM Coverage
Offers a discount for bundling and defensive driving
cons
No roadside assistance
Doesn’t offer gap insurance
COMPANY HIGHLIGHTS
Chubb offers affordable and customizable car insurance policies in Michigan that cater to the needs and preferences of a young adult driver. It scored high on stability and claims management.
The company’s original equipment (OEM) coverage and diminished value coverage help protect your investment in your car. OEM coverage pays for the use of original parts and processes when your car is repaired after a covered incident. This ensures your car’s safety features will continue to perform at optimum levels in case of an accident.
With diminished value coverage, policyholders agree on the value of their car upfront and receive that amount if the car is stolen or totaled. This can potentially save you thousands. In addition, Young drivers who complete a defensive driving course can qualify for discounts. Chubb also offers discounts for factory-installed daytime running lights and anti-lock brakes.
What Makes an Insurer the Best for Young Adults?
Young adults should look for insurance companies that offer competitive rates for their age group, discounts for good grades or safe driving, and excellent customer service that can provide guidance and support throughout the insurance process.
Our top pick is Chubb, which offers great customer service at an affordable price. It also offers several discounts that lower its rates even further.
Best Car Insurance in Michigan for Seniors
Chubb is the best insurance provider for senior drivers in Michigan. According to our research, these are the top-rated insurers for drivers in their 60s:
- Chubb: MoneyGeek score of 96 out of 100 (approximately $798 per year)
- Farm Bureau Insurance: MoneyGeek score of 92 out of 100 (approximately $1,484 per year)
Chubb is the most affordable insurance company out of those MoneyGeek reviewed. Drivers in their 60s typically pay the same rates as middle-aged drivers. Rates tend to increase for drivers in their 70s because accident frequency increases. Comparing quotes from different insurance companies will help you determine the most affordable policy for seniors.
pros
Antique car coverage
Defensive driving discount
Bundling discount
cons
No roadside assistance coverage
Doesn’t offer paperless billing discount
No gap insurance
COMPANY HIGHLIGHTS
Chubb offers car insurance coverage tailored to meet the unique needs of seniors in Michigan. With a wide range of coverage options and discounts, seniors can find the policy that fits their specific requirements at an affordable price. Chubb's policies are designed to provide seniors with peace of mind and security on the road.
The company gets high scores for its claims handling and customer satisfaction. Antique car owners may find Chubb's classic car insurance attractive. It covers vintage cars used for hobby purposes, such as attending car shows and exhibitions.
Senior drivers who complete a defensive driving course are eligible for discounts. Chubb also offers discounts for defensive driving, daytime running lights and anti-lock brakes. Seniors who bundle their home and auto insurance with Chubb can also save.
What Makes an Insurer the Best for Seniors?
Studies show seniors are the safest drivers on the road. However, they’re more prone to serious injuries after an accident as they age. Good insurance companies for senior drivers will have full coverage policies with personal injury protection (PIP) at an affordable rate to help cover medical expenses. Seniors should also look for a company that offers senior-specific discounts, such as a discount for completing a defensive driving or mature driver course.
Our top pick, Chubb, doesn’t offer exclusive senior discounts but offers other discounts that seniors may qualify for. It’s also the cheapest full-coverage insurance provider for seniors in Michigan.
Best Car Insurance in Michigan for Drivers With Offenses
Drivers with offenses on their records like a speeding ticket, operating while intoxicated (OWI), or an at-fault accident fare best with car insurance from Chubb. Here are our recommendations:
- Chubb: MoneyGeek score of 96 out of 100 (approximately $961 per year)
- Farm Bureau Insurance: MoneyGeek score of 91 out of 100 (approximately $2,763 per year)
Chubb tops the list of the insurance providers MoneyGeek reviewed in Michigan for drivers with offenses, offering affordable car insurance after an incident. The average yearly rate in Michigan for drivers with speeding tickets is $1,946. Drivers with an at-fault accident pay $2,095 per year, and those with an OWI pay $3,441 per year.
pros
Offers rental car/travel reimbursement
Original equipment manufacturer (OEM) coverage
Offers several safety equipment discounts
Defensive driving discount
cons
No accident forgiveness
Doesn’t offer roadside assistance
COMPANY HIGHLIGHTS
Chubb offers the cheapest full coverage car insurance for Michigan drivers with offenses. Policyholders can also expect customer service excellence from this insurer.
However, coverage options from Chubb are limited. The company doesn’t offer roadside assistance or accident forgiveness. It does offer OEM coverage, which can be important after an accident. OEM coverage pays for the use of original parts when your vehicle is repaired after a covered incident. This ensures your vehicle’s safety systems perform as they should in subsequent accidents.
On the other hand, this insurer offers discounts for installing an anti-theft system, bundling and VIN etching. It also has a discount for taking a defensive driving or accident prevention course.
What Makes an Insurer the Best for Drivers With Offenses?
High-risk drivers or drivers with offenses pay higher premiums. A good insurer for these drivers will offer better rates than its competitors. It will also provide discounts and coverages like car replacement and roadside assistance.
Although Chubb doesn’t offer these coverages, it’s the cheapest insurance for high-risk drivers and offers other discount opportunities.
Best Car Insurance in Michigan for Drivers With New Cars
Travelers is the best insurance company for drivers with new cars, offering new car replacement coverage. Here are our top recommendations:
- Travelers: MoneyGeek score of 89 out of 100 (approximately $1,195 per year)
- Farmers: MoneyGeek score of 77 out of 100 (approximately $3,271 per year)
Travelers outshines other insurance providers in Michigan as it offers the most affordable rate for drivers with new cars. It also scored high for customer satisfaction and stability.
Drivers with new cars should look for new or better car replacement car coverage as an add-on to their policies. New car replacement coverage means your insurer will replace your damaged car with a brand new one of the same make and model.
pros
New car replacement coverage
Gap insurance
Accident forgiveness
New vehicle discount
Hybrid car discount
cons
No OEM coverage
COMPANY HIGHLIGHTS
Travelers offers new car owners coverage for new car replacement, roadside assistance, accident forgiveness and gap insurance. The company’s Premier New Car Replacement ensures that if your car is less than five years old and is totaled, you’ll get a brand-new car of the same make and model. Gap insurance is another coverage of interest to new car owners, as it pays for the difference between the car’s value and what you still owe on your loan or lease if the car is deemed a total loss.
Those purchasing hybrid vehicles can benefit from the company’s hybrid vehicle discount. Car insurance with Travelers also includes accident forgiveness, which forgives one accident within a specified period to help protect your premium from increasing due to isolated mishaps.
What Makes an Insurer the Best for Drivers With New Cars?
A good insurance policy for drivers of new cars should include new or better car replacement coverage. This coverage ensures that if your new car is totaled or stolen, the insurer will pay for a new one of the same make and model rather than pay the depreciated value of your vehicle. It provides better protection for your new car and may save you money in the long run.
Travelers offers an affordable policy with great coverage for new car drivers, such as new car replacement and gap insurance. The company also offers discounts relevant to new car owners, such as the hybrid car discount.
Best Car Insurance in Michigan for Military Drivers
The best car insurance in Michigan for military drivers is Chubb. It balances affordability, customer satisfaction and claims management. It earned a MoneyGeek score of 95 out of 100 and costs approximately $961 annually.
USAA, with a MoneyGeek score of 94 out of 100 and a cost of around $683 per year, ranked second in our study. It outperforms Chubb in customer satisfaction. Note that USAA exclusively caters to active-duty military members, veterans and their families and is the best provider for them in most states.
pros
Scored high in claims handling
Original equipment manufacturer (OEM) coverage
Diminished value coverage
cons
No roadside assistance coverage
Doesn’t offer discounts for military members and their families
COMPANY HIGHLIGHTS
Chubb is the best auto insurance for military members and their families in Michigan. It scored best in stability and claims management. Its annual premium costs $961 for full coverage.
This insurer offers original equipment manufacturer (OEM) and diminished value coverages. Chubb will cover the cost of OEM parts if your car needs repairs after an accident. This ensures your vehicle will perform properly if you have another accident in the future.
Chubb also offers discounts for having anti-theft systems, honing devices and daytime running lights. The honing device discount applies if you install an electronic tracking device in your vehicle. You’ll also qualify for a discount if your car has factory-installed daytime running lights. Policyholders can also save if they bundle their home and car insurance with this company.
MONEYGEEK EXPERT TIP
Active-duty military members, veterans and National Guard and Reserves members can save up to 15% on their total premium because of GEICO's discounts that are specifically for them. Consider getting a quote from GEICO when looking for car insurance as a member of the military community. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
How to Find the Best Car Insurance in Michigan for You
The best car insurance balances affordability, financial stability and excellent customer service. MoneyGeek gathered data and quotes to help you determine the most suitable insurer for your needs and unique profile.
If you want to conduct your own research, here are some basic steps to follow.
1
Research customer service reputations in Michigan
MoneyGeek summarized the customer service ratings of the top insurance companies in Michigan. We used data from J.D. Power studies and the National Association of Insurance Commissioners (NAIC) customer complaint index.
These reputable and third-party agencies provide information on an insurer’s service record. You can also visit the Michigan Department of Insurance website to learn more about a specific insurer.
2
Compare quotes
MoneyGeek’s quotes show the average rates for sample drivers in the Wolverine State. Your actual rate may differ as insurance companies consider different factors when calculating premiums. We recommend reviewing personalized quotes from at least three insurance providers to compare costs and coverage levels.
3
Find the coverages you want in Michigan
Insurance companies may advertise coverages and discounts on their websites that are only available in some states. Always confirm any specific coverages or discounts in which you’re interested.
4
Check financial stability ratings
An insurer’s financial strength rating will give you an idea of how promptly it’s likely to fulfill its obligations to policyholders who file a claim. Look at the rating for the insurance company you are considering purchasing a policy from to make sure it is stable.
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FAQs About the Best Car Insurance in Michigan
The best car insurance in Michigan depends on your preferences and unique profile. Here, MoneyGeek answers the most commonly asked questions to help guide you.
Experts' Tips on Finding the Best Car Insurance in Michigan
- What is the best way to figure out which insurer is best for me in Michigan?
- What are the best coverages to add to your car insurance policy in Michigan?
- How important is it for drivers in Michigan to get car insurance from a provider with a great service reputation?
Sung Ham, Ph.D.
Associate Professor, Broad College of Business, Michigan State University
Ayalla Ruvio
Associate Professor of Marketing at Broad College of Business, Michigan State University
About Mark Fitzpatrick
sources
- Michigan Department of Insurance and Financial Services.. "Department of Insurance and Financial Services." Accessed January 28, 2023.