Based on extensive research by Bankrate, USAA and Auto-Owners provide some of the best Michigan car insurance. Allstate and Progressive may be options, as they were among the top four auto insurance companies on our list. If you are looking for the best car insurance in Michigan, Bankrate’s research could help you choose a company and coverages that fit your needs.
Michigan is the most expensive state for auto insurance in the country. The average Michigan driver pays $2,309 annually for full coverage car insurance, according to Bankrate’s 2021 study of quoted annual premiums. Michigan drivers might want to look at more than just price when looking for auto insurance. To make your research simpler, our insurance editorial team has analyzed data from the top Michigan car insurance companies based on market share.
Michigan’s best car insurance companies
Our analysis shows that Allstate, Auto-Owners and Progressive are the top-rated car insurance companies in Michigan.
For the most current Michigan auto insurances, we first obtained average premium information from Quadrant Info Services. We combined this information with our extensive research on each company’s coverages, discounts, policy features, customer satisfaction scores and financial strength and assigned each company a Bankrate Score. Scores are based on a scale from 0.0 to 5. Higher Bankrate Scores earned companies higher scores in each of the ranking categories.
These companies may be a good place to start if you’re looking for the best Michigan auto insurance.
USAA has the lowest annual auto premium on our list, but it only sells insurance to current or former military members and immediate family members. USAA does not qualify for J.D.’s official ranking. Power. The company has a high level of customer satisfaction. USAA has great rates and offers many ways to save. They also have a strong online and mobile presence. If you qualify for coverage with USAA, you may want to consider getting a quote.
Auto-Owners sells its products only through independent agents. If you prefer to deal with your insurance face-to-face then Auto-Owners may be the right choice. You can add great coverages to your policy, such as gap insurance, diminished-value coverage, and a common loss-deductible. This means that if your vehicle and home are both insured by Auto-Owners, and they are damaged in the same accident, your auto-deductible will either be reduced or completely waived. However, the company doesn’t offer an online quote tool so this may not appeal to drivers who are looking for digital options for their coverage.
Progressive is an option if budget is a concern. According to Bankrate, Progressive has the second-lowest Michigan rate for auto insurance. For drivers who want 24/7 customer service, unique coverage options, and multiple savings options, Progressive is a great choice. However, the company received a below-industry-average score from J.D. Power for claims satisfaction.
Allstate’s average premium is the highest on our list. It’s also higher than Michigan’s. However, it could be a good option if you’re looking for a policy you can customize to your needs. There are many common endorsements for auto policies, such as ridesharing and roadside assistance, but there are also more specific options, such as sound system equipment coverage. You might also be eligible for discounts such as early signing savings, a discount on a new vehicle, and a smart student discount.