AAA earns a 4.8/5 MoneyGeek score as Michigan's best home and auto bundle insurer, with an annual bundled premium of $2,435. MoneyGeek analyzed 1,600 quotes across 16 Michigan ZIP codes, weighing affordability, customer satisfaction and coverage quality to identify the top bundle providers in the state. State Farm offers the highest bundle discount at 22%, saving policyholders $1,350 annually, though its total bundled premium of $4,826 is nearly double AAA's rate. Michigan's top bundle providers rank competitively against the best home and auto insurance bundles nationally, with AAA's 4.8/5 score placing it among the highest-rated carriers in MoneyGeek's full 50-state analysis.
Best Home and Auto Insurance Bundle in Michigan
Updated: May 7, 2026
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Key Takeaways
AAA is the best home and auto bundle insurer in Michigan, earning a 4.8/5 MoneyGeek score with an annual bundled premium of $2,435, the lowest among top-ranked providers.
State Farm offers Michigan's highest bundle discount at 22%, saving policyholders $1,350 per year, the largest dollar savings of any provider in our analysis.
A bigger discount doesn't guarantee the lowest total bill: State Farm's 22% discount still results in a $4,826 annual bundle, while AAA's 13% discount delivers the cheapest total at $2,435, nearly $2,391 less per year.
Best Home and Auto Insurance Bundle in Michigan
| AAA | 4.77 | $2,435 | 13% |
| State Farm | 4.76 | $4,826 | 22% |
| Progressive | 4.74 | $3,778 | 5% |
| Farmers | 4.73 | $4,682 | 18% |
| Allstate | 4.66 | $5,024 | 11% |
To learn more about how we rank the top home and auto insurance bundles, see our methodology.
Top 3 Home and Auto Bundle Companies in Michigan
Michigan's top three bundle providers are AAA, State Farm and Progressive. AAA leads on price with the lowest annual bundled rate at $2,435, while State Farm delivers the biggest discount at 22% and $1,350 in annual savings. Progressive rounds out the top three with the strongest auto coverage scores and a competitive $3,778 annual bundle. Michigan's 2019 auto insurance reform, which gave drivers the ability to choose their PIP medical benefit level, reshaped the auto premium market, and these three providers have each adapted their bundle offerings to remain competitive in the post-reform market.
AAA
MoneyGeek Rating
4.8/ 5
5/5Affordability
3.5/5Customer Experience
3.3/5Coverage
Annual Bundle Premium
$2,435Monthly Bundle Premium
$203Bundle Savings
13%
State Farm
MoneyGeek Rating
4.8/ 5
4.4/5Affordability
3.9/5Customer Experience
3.1/5Coverage
Annual Bundle Premium
$4,826Monthly Bundle Premium
$402Bundle Savings
22%
Progressive
MoneyGeek Rating
4.7/ 5
4.6/5Affordability
3.7/5Customer Experience
4/5Coverage
Annual Bundle Premium
$3,778Monthly Bundle Premium
$315Bundle Savings
5%
Cheapest Home and Auto Bundle in Michigan
AAA offers the cheapest home and auto bundle in Michigan at $2,435 per year, the lowest annual bundled rate among all providers in the analysis. State Farm delivers the biggest dollar savings with a 22% discount that cuts $1,350 from unbundled costs, but its total bundled premium of $4,826 is nearly double AAA's. The highest discount doesn't guarantee the lowest bill. Michigan's standalone auto rates remain among the highest in the country, and the average car insurance costs in Michigan show how the auto component drives total bundle costs in the state.
| AAA | $2,435 | $377 |
| Progressive | $3,778 | $193 |
| Farmers | $4,682 | $1,025 |
| State Farm | $4,826 | $1,350 |
| Allstate | $5,024 | $616 |
| Farm Bureau | $12,890 | $2,185 |
Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
Companies Offering the Biggest Bundle Discount in Michigan
State Farm offers the highest bundle discount in Michigan at 22%, saving policyholders $1,350 per year, the largest dollar savings in the analysis. Farm Bureau's 15% discount produces $2,185 in annual savings, but its total bundled premium of $12,890 is by far the highest in the state. A large discount applied to an expensive base rate can still leave you paying far more than a competitor with a smaller discount and a lower starting premium.
| State Farm | 22% | $1,350 | $4,826 |
| Farmers | 18% | $1,025 | $4,682 |
| Farm Bureau | 15% | $2,185 | $12,890 |
| AAA | 13% | $377 | $2,435 |
| Allstate | 11% | $616 | $5,024 |
| Progressive | 5% | $193 | $3,778 |
Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
FINDING HOME AND AUTO INSURANCE IN MICHIGAN
Michigan's 2019 auto insurance reform gave drivers the ability to choose their PIP medical benefit level, from unlimited coverage down to $50,000 or even a coordinated option if you have qualifying health insurance. This choice directly affects the auto portion of your bundle premium, so selecting the right PIP level before bundling can lower your total cost. Michigan homeowners near the Great Lakes shoreline may also see elevated home insurance premiums because of wind and storm exposure. All providers in MoneyGeek's Michigan bundle analysis are actively writing policies in the state. The best homeowners insurance in Michigan includes carrier-by-carrier availability data for Michigan ZIP codes where Great Lakes wind and winter storm exposure most affect coverage options.
How to Get Cheap a Home and Auto Insurance Bundle in Michigan
Michigan's auto insurance costs remain among the highest in the country even after the 2019 PIP reform, making the auto portion of a bundle more expensive here than in most comparable states. Great Lakes wind exposure and lake-effect winter storms also push home premiums higher in many Michigan communities, so finding ways to reduce both sides of the bundle is especially valuable.
- 1Choose a Higher Deductible
Raising your home deductible from $500 to $1,000 can lower your annual home premium noticeably, and the same logic applies to your auto comprehensive and collision deductibles. Before switching, make sure you have enough in savings to cover the higher out-of-pocket cost if you need to file a claim. The premium savings only pay off if you don't need to use that deductible in the near term.
- 2Try a Telematics Auto Program
Telematics programs track your driving habits, including speed, braking, and mileage, and can lower your auto rate based on demonstrated safe driving. Progressive's Snapshot program is available to Michigan drivers and can produce meaningful discounts for low-mileage or careful drivers. These telematics savings stack on top of your existing bundle discount, making them one of the most effective ways to reduce the auto portion of your Michigan bundle.
- 3Add Storm- and Wind-Resistant Home Features
Michigan's Great Lakes shoreline communities see elevated wind exposure, and lake-effect weather and winter storms, including ice dams and heavy snow loads, are consistent risks statewide. Upgrading to storm-resistant roofing, reinforced windows, or winter weatherization features can qualify you for home insurance discounts with several Michigan providers. These credits apply at renewal and stack with your bundle savings, making them a smart long-term investment for Michigan homeowners.
- 4Compare Quotes When Your Policy Renews
The spread between the cheapest and most expensive top-ranked Michigan bundle providers is substantial. AAA's $2,435 annual bundle versus Allstate's $5,024 represents a difference of $2,589 per year for equivalent coverage. Comparing bundled quotes at renewal takes less than an hour and can produce savings that dwarf any individual discount. Set a reminder to shop at least 30 days before your renewal date to give yourself time to switch without a coverage gap.
Home and Auto Insurance Bundle in Michigan: FAQ
Here are answers to the questions Michigan residents ask most about bundling home and auto insurance.
How does Michigan's auto insurance reform affect home and auto bundle rates?
Michigan's 2019 auto insurance reform allows drivers to choose their PIP medical benefit level, which directly affects the auto portion of a bundle premium. Choosing a lower PIP tier can reduce your auto rate and therefore your total bundled cost. MoneyGeek's Michigan analysis uses a 50/100 auto coverage profile with a $1,000 deductible as the baseline, and even at this level, Michigan auto premiums remain elevated compared to most states. Bundling home and auto is one of the most effective ways to offset these higher auto costs, with top providers saving Michigan drivers between $193 and $1,350 per year.
Which company has the best bundle in Michigan for homeowners who want more coverage?
Progressive has the highest bundled coverage score among Michigan's top three providers at 4.0/5, ranking second for auto coverage quality in the state. Progressive's annual bundled premium of $3,778 is competitive, and its broader auto coverage options make it a strong choice for Michigan homeowners who want more than minimum protection. The Progressive insurance review covers how the carrier's coverage depth and Snapshot program perform in Michigan's post-reform auto market.
Should I bundle home and auto insurance in Michigan?
Yes. Bundling home and auto insurance in Michigan is almost always worthwhile given the state's historically high auto premiums and the meaningful discounts available from top providers. Michigan bundle discounts range from 5% to 22% in MoneyGeek's analysis, saving between $193 and $1,350 annually. Michigan's bundle savings are especially valuable relative to the state's elevated auto premium baseline, and the best home and auto insurance bundles nationally show that Michigan's top carriers compete well on discount size despite the state's complex auto insurance market.
Can I still get a bundle discount in Michigan if I have a prior claim?
Yes. Most Michigan insurers offer bundle discounts regardless of claims history, though a prior claim may affect your base premium for both auto and home coverage. The bundle discount is applied as a percentage reduction on top of your individual policy rates, so you still benefit from bundling even if your premiums are higher because of a claim. Shopping multiple providers is especially important if you have a claims history, as pricing varies widely across Michigan insurers.
How do I know if my bundle discount is actually saving me money?
The only reliable way to verify your bundle savings is to get separate quotes for auto and home from the same insurer and compare the combined unbundled total to the bundled rate. The difference between those two figures is your true discount. MoneyGeek's Michigan data shows that a 22% discount from State Farm saves $1,350 per year, but State Farm's total bundled bill of $4,826 is still nearly double AAA's $2,435. Always compare total annual costs across multiple providers, not just discount percentages.
MoneyGeek analyzed 1,600 quotes across 16 Michigan ZIP codes to identify the best home and auto bundle insurers in the state. Data sources include Quadrant Information Services for rate quotes, AM Best for financial strength ratings, J.D. Power for customer satisfaction scores, and the Michigan Department of Insurance and Financial Services for regulatory data. All figures represent averages; actual rates vary by ZIP code, claims history, and individual profile.
Auto score breakdown:
- Affordability (60%): Rate quotes for multiple driver profiles. Michigan baseline: 40-year-old, good credit, clean record, 2021 Toyota Camry, 50/100 full coverage, $1,000 deductible.
- Customer experience (30%): Google reviews, J.D. Power ratings, and AM Best scores organized by state.
- Coverage options (10%): Range of coverage types and policy features for each provider.
Home score breakdown:
- Affordability (55%): Rates compared for identical coverage; discount availability evaluated. Michigan baseline: homeowner aged 41 to 60, good credit, 2,500-sq-ft home built in 2000, $250K dwelling, $125K personal property, $200K liability, $1,000 deductible.
- Customer satisfaction (30%): J.D. Power ratings, Trustpilot reviews, and app feedback for claims handling.
- Coverage options (15%): Add-on availability with attention to Michigan-specific risks, including Great Lakes wind, winter storm, ice dam, and lake-effect snow coverage.
Learn more about our auto insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!