Updated: May 20, 2024
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In Michigan, Chubb tops the MoneyGeek rankings with the highest score for overall excellence in car insurance. If you seek minimal coverage, Chubb again leads the pack. Families with teen drivers might find Auto-Owners to be the best choice. Each company's offerings vary, so consider your specific needs.
For those prioritizing cost, MoneyGeek also analyzed the cheapest car insurance in Michigan if budget is your main concern.
Best Car InsuranceMichiganBest Car Insurance in Michigan
Why Trust MoneyGeek? We created an insurance scoring system for providers in Michigan based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in Michigan.
In Michigan, Chubb leads the car insurance market with a commanding MoneyGeek score of 96. With scores ranging from 67 to 96, Chubb stands out at the top of MoneyGeek's baseline scoring system. Note that scores vary depending on the driver profile, which means other insurers might be more suitable for different types of drivers.
How does MoneyGeek score companies?
MoneyGeek emphasizes the importance of customer satisfaction and affordability in its scoring, with claims experience and offered coverages also significantly influencing overall scores. These components collectively determine the financial reliability and user satisfaction with insurance providers.
Upon review, it is noted that Encompass does not have a comprehensive MoneyGeek score due to incomplete data across all five scoring components. Nevertheless, Encompass exhibits strong performance in key coverages where they are listed. It is important to understand that such findings indicate specific strengths rather than overall performance due to partial information.
| Chubb | MoneyGeek Score (/100)96 | Annual Premium$1,297 |
| Auto-Owners Insurance Co | MoneyGeek Score (/100)91 | Annual Premium$1,383 |
| Westfield | MoneyGeek Score (/100)90 | Annual Premium$1,508 |
| Farm Bureau Ins of MI | MoneyGeek Score (/100)87 | Annual Premium$1,894 |
| Pioneer State Mutual Ins Co | MoneyGeek Score (/100)87 | Annual Premium$1,526 |
| Travelers | MoneyGeek Score (/100)86 | Annual Premium$979 |
| GEICO | MoneyGeek Score (/100)84 | Annual Premium$1,016 |
| Progressive | MoneyGeek Score (/100)83 | Annual Premium$1,282 |
| State Farm | MoneyGeek Score (/100)79 | Annual Premium$2,578 |
| Grange Insurance | MoneyGeek Score (/100)78 | Annual Premium$1,980 |
| Farmers | MoneyGeek Score (/100)75 | Annual Premium$2,953 |
| Hanover | MoneyGeek Score (/100)67 | Annual Premium$4,919 |
| Encompass | MoneyGeek Score (/100)No Data | Annual Premium$1,386 |
MoneyGeek found that Chubb offers the best option in Michigan for best full coverage car insurance. The top two providers ranked by MoneyGeek in terms of overall performance and value are:
Chubb stands out not only for its excellent affordability but also for its superior claims handling and customer satisfaction, making it score the highest among its competitors. In Michigan, policy seekers can experience a variety of companies offering different cost structures and service experiences. For those interested in increasing their savings, MoneyGeek also analyzed companies offering the cheapest full coverage car insurance in Michigan.
Ranks No. 1 in general customer satisfaction.
Ranks No. 1 for claims handling.
Offers OEM coverage and rental car/travel reimbursement.
Ranks No. 2 for key coverages.
Does not excel in customer service.
Does not offer gap insurance.
Chubb's high MoneyGeek score is largely due to exceptional satisfaction (35 out of 35) and claims handling (20 out of 20), showcasing its top-tier customer service and reliable claims process. With common coverages like rental car and/or travel reimbursement and roadside assistance, Chubb ensures motorists are never stranded. Additionally, the insurer offers OEM coverage, which is widely applicable and especially valuable for those who prefer their car repairs with original rather than after-market parts.
Chubb not only excels with common coverages but also with rare offerings that can greatly benefit drivers. For example, its antique/classic car insurance is designed for the unique needs of vintage car enthusiasts, ensuring prized possessions are well-protected. Another innovative option is its diminished value coverage, which can compensate for the loss of value your vehicle may suffer after an accident.
MoneyGeek found that Chubb is the best option in Michigan for stellar customer service in car insurance. Michigan drivers seeking top-notch insurance providers can consider the following:
Chubb stands out not only for its exceptional customer satisfaction and claims handling but also for providing superior service at a more affordable cost than Auto-Owners, the runner-up. Even with a slightly higher rate, customers can expect a more consistent service experience, which underscores the company's commitment to excellence in all aspects of service delivery.
In Michigan, the variety of companies offering car insurance means that customers have multiple factors to consider, including customer satisfaction and claims experience. Good customer service and efficient claims processing are crucial in car insurance because they directly impact the ease and speed with which customers can resolve issues and receive support following an incident.
Ranks well for general customer satisfaction.
Offers OEM coverage and diminished value coverage.
Ranks well for claims handling.
Does not excel in customer service.
Does not offer roadside assistance or gap insurance.
Chubb shines with top marks in satisfaction and claims handling, both significantly contributing to its high MoneyGeek score. While Chubb boasts the common coverages of rental car and/or travel reimbursement and roadside assistance, it falls slightly short by not offering roadside assistance as part of its suite. Among reasonably common coverages, Chubb provides OEM coverage, which is a boon for newer car models requiring original parts during repairs.
Equally useful, the agreed value coverage within diminished value coverage protects your car's value after an accident. Although the antique/classic car insurance is a rarer coverage, it's an asset for those with classic vehicles. Chubb's satisfaction score of 45 (out of 45) and claims handling score of 30 (out of 30) are indicative of its outstanding customer experience and reliable claims processing, cornerstone attributes for any insurer.
MoneyGeek found that Chubb is the best option in Michigan for drivers seeking car insurance for minimum coverage.
Chubb distinguishes itself with a high satisfaction score and strong performance in affordability and claims handling, making it a top choice for Michigan drivers seeking quality along with cost-effectiveness. Remarkably, it manages to keep the annual cost for the minimum insurance required by law in Michigan at only $522.
While it's appealing to opt for the most affordable car insurance, Michigan drivers should consider the potential drawbacks of only purchasing minimum coverage. Such policies meet legal requirements but often lack comprehensive protection, which could result in significant out-of-pocket expenses in the event of an accident that exceeds a policy's limited coverage.
Offers both reasonably common and rare discounts.
Ranks No. 1 for customer satisfaction.
Ranks No. 1 for claims handling.
Lacks multiple car and safe driving discounts.
Ranks No. 3 for cost with an average annual premium of $522 for minimum coverage.
Chubb's exemplary MoneyGeek score stems largely from its top-tier satisfaction and claims scores, ensuring customer contentment and reliable claim management. Its average annual premium stands at an affordable $522, making quality coverage accessible to the average driver. Notably, Chubb offers reasonably common discounts like defensive driving and the anti-theft system, as well as very rare benefits, such as honing device and VIN etching, extending unique savings opportunities.
Chubb provides all four most common discounts: bundling, defensive driving, anti-theft systems and others. This reflects a broad spectrum of cost-saving options. For drivers who prioritize security, Chubb's anti-lock brakes and daytime running lights discounts — reasonably rare and very rare, respectively — enhance both protection and affordability, illustrating its commitment to rewarding safety-conscious customers.
Reaffirming Chubb’s competitive position, the insurer boasts an affordability score of 34 (out of 40), complemented by perfect marks in satisfaction (25 out of 25) and claims handling (20 out of 20), alongside strong scores in coverage (7.5 out of 10) and stability (5 out of 5). These figures underscore Chubb’s excellence in providing a balanced blend of cost-effectiveness, customer satisfaction and financial solidity.
In Michigan, driver age significantly influences car insurance rates, with distinct cost considerations and coverages tailored to different age groups. MoneyGeek found that Auto-Owners is the best option for teens, boasting a MoneyGeek score of 92 and an annual premium of $2,594. For young adults and seniors, Chubb emerges as the superior choice, scoring an impressive 96 for seniors and 96 for young adults, with annual premiums at $1,447 and $1,080, respectively. These findings highlight the best insurers offering a balance of cost, customer satisfaction and financial stability.
Best for teens: Auto-Owners
Best for seniors: Chubb
Best for young adults: Chubb
MoneyGeek found that Auto-Owners is the best option in Michigan for car insurance tailored to teens. This finding is supported by its top MoneyGeek score and an excellent combination of customer satisfaction, claims handling and coverage offerings.
Auto-Owners stands out due to its exceptional customer satisfaction and claims handling scores, which are major contributors to its overall MoneyGeek score and reputation. While its annual premium is slightly higher, those looking for cheap car insurance for a teen in Michigan may find the quality of service provided by Auto-Owners to justify the cost, standing at $2,594 per year for a teen policy. Adding a teen to a family policy can significantly reduce expenses compared to a standalone policy for teen drivers.
The steep cost associated with insuring teen drivers in Michigan and other states is primarily due to their inexperience behind the wheel, which statistics show leads to a higher likelihood of accidents and claims. Insurers manage this risk with higher premiums, making it essential for families to carefully evaluate their options for coverage.
Offers good student and distant student discounts.
Ranks No. 1 for claims handling.
Ranks No. 3 for cost with an average annual premium of $2,594.
Lacks driver's education discount.
Auto-Owners excels with a MoneyGeek score of 92, largely due to a perfect coverage score of 10 (out of 10) and the highest claims handling score of 20 (out of 20). While lacking common discounts for young drivers, such as good student, distant student and driver's education, its strong affordability score of 27 (out of 30) and satisfaction score of 30 (out of 35) make it a robust choice for a broad range of customers.
When it comes to valuable coverages that cater to real-world scenarios, Auto-Owners stands out. The diminished value coverage is a rare offering that acknowledges the reduced value of a vehicle after an accident, ensuring drivers receive appropriate compensation. Additionally, its accident forgiveness program signals a forgiving approach for your first at-fault accident, preventing your car insurance rates from skyrocketing unexpectedly.
MoneyGeek found that Chubb is the best option in Michigan for car insurance for seniors, garnering the highest MoneyGeek score. Below are the two top providers for senior car insurance in Michigan:
Chubb stands out due to its high satisfaction and claims handling scores, which are significant contributors to its overall MoneyGeek rating. To secure cheap car insurance for a senior in Michigan, one would likely pay slightly more than younger adults. Seniors in Michigan will find Chubb's annual premium cost quite competitive at $1,080 per year, offering a balance between cost and quality service.
It's important to clarify that cheap car insurance for a senior in Michigan does not necessarily exceed the costs for middle-aged adults. MoneyGeek's assessments are based on rates for individuals in their 60s. It's worth noting that as individuals enter their 70s and 80s, their insurance rates may increase, reflecting the standard industry assessment of risk associated with age.
Offers rental car and/or travel reimbursement coverage.
Ranks No. 1 for customer satisfaction.
Ranks No. 1 for claims handling satisfaction.
Does not excel in customer service with a score of 35.
Ranks No. 3 for cost with an average annual premium of $1,080.
With top-tier satisfaction (35 out of 35) and notable affordability (29 out of 30) scores, Chubb leads with a MoneyGeek score of 96. Chubb offers rental car and/or travel reimbursement, a valuable coverage for those needing backup in case of an accident. Though lacking roadside assistance, its impressive scores in other categories compensate well. Chubb reports an average annual premium of $1,080, but note, it does not offer a senior discount, which could help seniors save.
Chubb's rental car reimbursement coverage alleviates the inconvenience experienced by seniors who may rely on rental vehicles while their car is in repair. In addition to its strong satisfaction and affordability scores, Chubb's claims handling (20 out of 20) and coverage (8 out of 10) further contribute to its leading MoneyGeek score.
MoneyGeek found that Chubb is the best option in Michigan for car insurance tailored to young adults, providing a stellar combination of service and cost-effectiveness.
Chubb stands out with its high satisfaction score, indicating a positive customer experience. For drivers in their 20s, who typically face higher premiums, Chubb offers a balance of quality service at a competitive price. The annual cost for Chubb's young adult policy in Michigan is $1,447, highlighting the reality that cheap car insurance for a young adult in Michigan might still exceed the premiums for older age groups.
Young adults often pay more for car insurance in Michigan and other states due to their inexperience and the higher probability of filing claims. These factors are considered by insurers when determining rates, resulting in higher costs in comparison to more seasoned drivers.
Ranks well for general customer satisfaction.
Ranks No. 1 for claims handling, showing strong performance.
Offers bundling, defensive driving and anti-theft system discounts.
Ranks No. 4 for cost with an average annual premium of $1,447.
Missing good student, distant student and driver's education discounts.
Chubb’s exemplary customer satisfaction and claims scores dominate the impressive 96 (out of 100) MoneyGeek score. Despite not having the trio of young driver discounts — good student, distant student or driver’s education — its superior scores in affordability and service fill that gap for young adults in school. It offers common coverages like rental car and/or travel reimbursement and roadside assistance.
Chubb provides tailored coverage options that cater to a variety of needs. Its antique/classic car insurance is geared toward the connoisseur who treasures historical and collectable vehicles, offering very specific protection for unique investments. Chubb's OEM coverage is an exceptional choice, ensuring repairs are made with original parts.
The diminished value coverage grants peace of mind post-accident, compensating for the loss in vehicle value notwithstanding perfect repairs. These coverage options are both rare and valuable for discerning car insurance customers, evidencing Chubb's commitment to comprehensive, quality service — an affirmation of its perfect satisfaction score of 35 (out of 35) and robust claims handling score of 20 (out of 20).
MoneyGeek found that Chubb is the best option in Michigan for drivers with driving offenses. This recognition comes after evaluating a blend of drivers with speeding tickets, at-fault accidents and DUIs.
Chubb stands out not only for its top MoneyGeek score but also for its impressive satisfaction and claims handling scores. These factors greatly contribute to its overall rating, making it a reliable choice for those seeking quality coverage. For a driver with offenses in Michigan, Chubb offers an annual premium at $1,297, revealing that to get cheap car insurance as a high risk driver in Michigan, costs are higher, reflecting the elevated risk and stricter insurance requirements after traffic infractions.
In Michigan and beyond, car insurance typically becomes more expensive following a ticket, an at-fault accident or a DUI since these incidents signal to insurers a greater likelihood of future claims, leading to increased premiums as a way to mitigate potential losses.
Ranks No. 1 for general customer satisfaction.
Ranks No. 1 for claims handling.
Leads in affordability.
Offers rental car/travel reimbursement.
Does not excel in customer service with a score of 35.
Lacks roadside assistance, accident forgiveness and new/better car replacement.
Chubb's exceptional MoneyGeek score is largely attributed to perfect satisfaction and high affordability ratings, which significantly enhance its reputation among insurers. The company offers rental car and travel reimbursement, a commonly sought coverage for those with a spotty driving record. With an average annual premium of $1,297 and an affordability score of 30 (out of 30), Chubb stands as a particularly cost-effective choice for drivers with offenses who often face higher rates.
Chubb's rental car reimbursement coverage, a common but indispensable option, supports drivers with accident history by covering transportation expenses during car repairs. Additionally, Chubb provides OEM coverage, a reasonably rare offering that guarantees the use of original equipment for vehicle repairs, ensuring quality and consistency.
Its agreed value coverage, another rare option, offers peace of mind by securing a predetermined value for the car in the event of a total loss. With these coverages, Chubb caters to those who value thorough protection and high-quality repair service, further justifying its high satisfaction score of 35 (out of 35) and solidifying its leading position in the auto insurance industry.
MoneyGeek found that Travelers is the best option in Michigan for new drivers looking for quality car insurance coverage.
Travelers stands out due to its high MoneyGeek score, which signifies overall customer satisfaction and the company's commitment to offering valuable features like new car replacement and/or better car replacement coverages. These coverages are essential for Michigan drivers with new vehicles, ensuring enhanced protection beyond what is standard.
Ranks No. 1 for claims handling.
Ranks No. 1 for affordability.
Offers new car replacement.
Does not excel in customer service.
Travelers excels with a high MoneyGeek score of 93, bolstered largely by its top marks in satisfaction, affordability, claims handling and coverage. Offering new car replacement, this option is particularly beneficial for drivers with new vehicles, providing a replacement car that's brand new if your car is totaled — an optional coverage that's an extra boon for the newly wheeled, for an additional cost. With an average annual premium of $1,243, Travelers combines value with quality service.
Travelers offers essential common coverages like roadside assistance for on-the-go emergencies, rental car and/or travel reimbursement for when your vehicle is out of commission, accident forgiveness to prevent rate spikes from a first accident and gap insurance to cover the difference between a vehicle's value and what you owe.
Though not widely applicable, its rideshare insurance caters specifically to drivers in Colorado and Illinois, showing Travelers' commitment to tailored solutions. Satisfaction (28 out of 35) and affordability (30 out of 30) are key contributing factors to its outstanding MoneyGeek score, underpinning the value it offers through excellent service and reasonable costs.
MoneyGeek found that Chubb is the best option in Michigan for military members looking for car insurance, thanks to its impressive MoneyGeek score. The top two providers with their corresponding MoneyGeek scores and annual premiums are:
While USAA is a strong contender with a MoneyGeek score of 89, it is important to note that despite high satisfaction ratings, USAA did not clinch the top spot in Michigan due to the MoneyGeek score's emphasis on balancing quality service with affordability.
Chubb stands out not only for a high satisfaction score but also because it expertly balances service quality, claims handling and coverage options, making it the leader among insurers. With an annual cost of $1,297, military drivers considering both quality and expense should note that it is a top pick. Moreover, those focused on rates can explore the cheapest car insurance in Michigan for military drivers as an alternative.
Ranks well for general customer satisfaction.
Ranks No. 1 for claims handling.
Offers OEM coverage and rental car/travel reimbursement.
Does not excel in customer service.
Costlier with a lower affordability rank.
Does not offer gap insurance.
Chubb's exceptional MoneyGeek score is largely attributed to its high marks in satisfaction (33 out of 35) and affordability (28 out of 30), with a competitive average annual premium of $1,297.
Chubb offers a range of rare coverages that are beneficial for many car insurance customers. For instance, its OEM coverage ensures that if your car needs repairs, only original factory parts will be used, maintaining the vehicle's integrity and performance. Antique/classic car insurance provides specialized protection for your cherished, timeless vehicle, reflecting its unique valuation and needs. Additionally, the diminished value coverage supports the retention of your car's value by compensating for the loss in resale value after an accident, even if it has been fully repaired.
In Michigan, the finest car insurance providers excel in affordability, financial solidity and an established reputation for superior service. MoneyGeek has meticulously evaluated these companies to aid you in your decision. However, should you choose to conduct personal research, be prepared to undertake at least four critical steps to ensure you find a policy that aligns with your needs.
Outstanding customer service is crucial for a car insurer in Michigan, ensuring effective support and efficient claims handling. Consumers are encouraged to consult independent data providers like JD Power and NAIC for comprehensive company evaluations. MoneyGeek's research identifies Chubb as the top performer in Michigan for service, with a customer satisfaction score of 45 out of 45 and a claims score of 30 out of 30.
Comparing quotes in Michigan can lead to substantial savings without compromising on service quality. It's advisable for drivers to conduct personalized research to discover the most affordable options based on their unique profiles. According to MoneyGeek, Chubb offers the best minimum coverage at an annual premium of $522, making it a cost-effective choice for budget-conscious consumers.
The range of coverages provided by car insurers is a vital aspect of their offerings. It's important for drivers to investigate which insurers deliver coverages that align with their needs. Auto-Owners, Westfield, Hanover, Farm Bureau Ins of MI, Grange Insurance and Travelers all received a perfect coverage score of 10, indicating they offer three key coverages: rental car and/or travel reimbursement, roadside assistance and gap insurance.
Choosing an insurer with a strong financial stability rating is essential to mitigate the risk of unpaid claims due to financial issues. It's worthwhile to research insurers with robust financial health. MoneyGeek awarded perfect stability scores of 5 out of 5 to Auto-Owners, Travelers, Chubb, State Farm and GEICO, all of which possess an A++ rating from A.M. Best, reflecting the highest financial strength.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
Chubb is determined to be the best car insurance in Michigan overall, with an impressive MoneyGeek score of 96. The company boasts an annual premium of $1,297. Chubb's highest scores contributing to its overall rating are a perfect satisfaction score of 35 out of 35 and a high affordability score of 28 out of 30.
Chubb is also the top choice for the best for cheap car insurance in Michigan, with an annual premium for a minimum coverage policy at $522 and a MoneyGeek score of 92. While minimum coverage policies are the most affordable, they offer less protection, which can be risky. However, consumers can still find affordable full coverage policies by comparing quotes.
About Mark Fitzpatrick
Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
