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Best & Cheapest Michigan Car Insurance as Rated by Customers in 2020

4.67 ★★★★★
4579 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.23 ★★★★★
109 customer reviews
rated their claim's experience positively
4.19 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16886 customer reviews
rated their claim's experience positively
4.10 ★★★★★
31 customer reviews
rated their claim's experience positively
4.09 ★★★★★
2059 customer reviews
rated their claim's experience positively
4.05 ★★★★★
2230 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7149 customer reviews
rated their claim's experience positively
3.96 ★★★★★
1333 customer reviews
rated their claim's experience positively
3.93 ★★★★★
746 customer reviews
rated their claim's experience positively
3.89 ★★★★★
143 customer reviews
rated their claim's experience positively
3.74 ★★★★★
545 customer reviews
rated their claim's experience positively
3.52 ★★★★★
116 customer reviews
rated their claim's experience positively
3.49 ★★★★★
58 customer reviews
rated their claim's experience positively
2.16 ★★★★★
133 customer reviews
rated their claim's experience positively

Best car insurance in Michigan

When shopping around for car insurance in Michigan, it can be tough to decide which car insurance company is the best fit for you. Your company should be one that respects its policyholders. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Michigan. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Michigan car insurance companies.

In the table above, you can sort through all the Michigan car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Michigan car insurance rankings.

Interested in learning more about one of these Michigan car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the best teen car insurance rates in Michigan?

Auto-Owners Insurance Group offers the cheapest average car insurance rates for teen drivers in Michigan when compared to the other four largest car insurance companies in the state by market share.

Check out the table below for the average teen car insurance rates in Michigan.

Company Female teen rates Male teen rates
AAA $10,734 $10,773
Auto-Owners Insurance Group $1,854 $1,854
The Hanover Insurance Group $6,568 $7,283
Progressive $3,071 $3,189
State Farm Insurance Company $6,056 $6,056

These rates are based on profiles for 18-year-old male and female drivers in Alabama. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Michigan will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Michigan?

Progressive's average car insurance rates for a married couple in Michigan are the cheapest among the five largest auto insurance companies in Michigan.

Take a look at the table below to see the average car insurance rates for a married couple for the five largest companies in Michigan.

Company Married couple rates
AAA $9,364
Auto-Owners Insurance Group $3,815
The Hanover Insurance Group $7,816
Progressive $3,296
State Farm Insurance Company $5,407

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Michigan will differ. Rate data is provided by Quadrant Information Services.

Who offers the best senior car insurance rates in Michigan?

Auto-Owners' average car insurance rates for senior drivers in Michigan are slightly cheaper than the average auto insurance rates for Progressive.

See how all five largest Michigan car insurance companies compare below.

Company Female senior rates Male senior rates
AAA $4,198 $4,198
Auto-Owners Insurance Group $1,663 $1,663
The Hanover Insurance Group $3,416 $3,416
Progressive $1,738 $1,716
State Farm Insurance Company $2,263 $2,263

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Michigan will differ. Rate data is provided by Quadrant Information Services.

Where are the 10 Cheapest areas in Michigan for car insurance?

There are many factors that contribute to what your car insurance rates are. For drivers in Michigan, car insurance rates vary based on your location. Car insurance rates in Michigan can even vary by different areas within a city. The cheapest area in Michigan for car insurance on average is the area of Midland. In the table below, you can see the top 10 cheapest areas in Michigan for car insurance based on average rates for a single adult.

Area Car insurance rates
Midland $3,130
Grand Haven $3,133
Spring Lake $3,142
Westphalia $3,165
Eagle $3,166
West Olive $3,168
Allendale $3,197
Shepherd $3,197
Jenison $3,207
Saint Louis $3,215

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Michigan will differ. Rate data is provided by Quadrant Information Services.

What are the 10 Most expensive areas in Michigan for car insurance?

The area you live in matters when it comes to car insurance rates. In Michigan, your car insurance rates can vary based on where you live because of factors such as crime rate and number of accidents that happen in your area. Some areas can be more expensive than others. The table below displays the top 10 most expensive areas in Michigan for car insurance based on average rates for a single adult.

Area Car insurance rates
Highland Park $9,011
Hamtramck $8,864
Detroit $8,729
Dearborn $6,839
River Rouge $6,654
Harper Woods $6,331
Oak Park $6,314
Ecorse $6,298
Southfield $6,291
Inkster $6,148

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Michigan will differ. Rate data is provided by Quadrant Information Services.

Whar are the minimum car insurance coverage and limits in Michigan

Michigan’s car insurance laws are more complex than most states, so it’s especially important to understand the coverage requirements established by the state and what the minimum coverage actually covers.

First and foremost, it’s important to know that Michigan is a no-fault state. This means that your insurance company is responsible for covering you in the event of a car accident, regardless of who caused the accident.

Michigan requires its residents to obtain no-fault car insurance, which includes three different types of coverage: bodily injury liability, property damage liability and property protection. Bodily injury liability and property damage liability are the most common; these are outlined below, with Michigan’s minimum requirements listed.

Michigan’s no-fault car insurance also comes with property protection up to $1 million, meaning your car insurance will cover you for damages to any Michigan property up to $1 million. This also covers you if you hit a car that is legally parked. It’s worth noting that this coverage only pertains to Michigan property; your property damage liability will cover you for any damage to property that happens in a different state.

Michigan also requires you to obtain personal injury protection, often referred to as PIP, which provides coverage for any medical expenses or income losses that result from a car accident. To save on premiums, you can coordinate this coverage with your health insurance so that your health insurance kicks in before PIP.

As of July, 1 2020, new Michigan car insurance laws went into effect. Drivers now have the ability to choose lower levels of PIP insurance coverage. More details from MLive.

You can learn more about different car insurance coverages and what the limits mean here.

Michigan state minimum requirements:

Liability:

  • Bodily injury — $20,000 per person
  • Bodily injury — $40,000 per accident
  • Property damage — $10,000 per accident in another state

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

Michigan uninsured motorist percentage

Uninsured motorist coverage isn’t among the required coverages for Michigan drivers, but you’d be wise to consider purchasing it. Michigan’s uninsured driver percentage of 20.3 is the fourth highest in the country, according to 2015 data from the Insurance Information Institute. By comparison, the national average in 2015 was 13 percent.

Uninsured or underinsured motorist coverage offers protection in the event you are involved in an accident with a driver who either doesn’t have insurance or doesn’t have enough coverage.

How car insurance rates are calculated in Michigan

When searching and comparing quotes from the best auto insurance companies in Michigan, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to save money on your car insurance in Michigan

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Michigan car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in Michigan

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.