More than 50 companies in Michigan offer policies to drivers in the state of Michigan, giving them plenty of options. The selection of car insurance in Michigan can be complex and involved. USAA, Geico Group, Allstate Group, Auto-Owners, and Progressive are among the best in the state. These insurance companies might be an excellent place to begin your search for the most affordable and comprehensive auto coverage available in Michigan.
Keep in mind, however, that the specifics of your situation will determine the insurance company that is the best fit for you.
How to Find the Best Car Insurance Companies in Michigan
You can find an auto insurance company that is reasonable and suitable for your requirements if you get quotes from several companies. There are a few primary methods to assess the insurance coverage you need and the home in the plan that best fits your circumstances.
- Think about Michigan’s required minimum coverage for insurance
- Think about what you need specifically
- Take the needs of the lenders into account
We’ll go through each and describe the distinctive characteristics of Michigan drivers.
USAA offers the most affordable premium for complete auto coverage in Michigan. In addition, the company has a track record of customer satisfaction. As a result, the average rates offered by USAA are competitive. In addition, it provides various opportunities to save money and maintain a significant mobile and online presence.
It is only available to people currently serving in the military or has previously served, as well as certain family members. Consequently, J.D. Power will not consider USAA for inclusion in official rankings.
If a Michigan driver does not meet the requirements to be insured by USAA, Geico could be an affordable alternative to consider. Geico offers rates lower than the industry standard and a wide variety of discounts. In addition to this, customer satisfaction is above average. Unfortunately, there are only a few endorsement choices available through Geico. Therefore, there may be a better company for you if you want to construct a customized policy.
A quote from Travelers is something motorists in Michigan looking for specialized coverage might want to consider. Consider including endorsements. There are also many opportunities to save money, such as investing in real estate or purchasing a hybrid or electric vehicle. The J.D. Power rating for Travelers is the lowest possible score. It’s likely not the best option for customers who place a high value on receiving exceptional service.
Auto-Owners only offers its products to customers who purchase them from independent agents. It’s possible that Auto-Owners would be a good choice for you if you’d rather deal with your insurance in person. The provider provides various beneficial add-on coverage options, such as gap insurance, coverage for diminished value, and a typical loss deductible. However, the company does not offer a quote tool that you can access online. Therefore, it may not appeal to motorists who are shopping for coverage and looking for digital options.
Drivers who are looking for customer service that is available around the clock may consider Progressive. It offers coverage choices that are one of a kind and multiple chances to save money. In addition to that, it provides powerful digital tools. As a result of the nonstandard auto insurance program it offers, Progressive could also be an alternative for high-risk drivers. However, J.D. Power gave the company a score that was lower than the industry average for how satisfied customers were with their claims.
Average Car Insurance Cost in Michigan
In Michigan, full coverage car insurance costs an average of $2,345 per year. The cheapest car insurance in Michigan costs $946 per year, which is more than in other states. Drivers in Michigan also pay more than drivers in states around it. The average rates in the Great Lakes State are high, but you could get a lower premium if you shop around for the cheapest car insurance companies in Michigan.
The roads in Michigan are always busy, which could cause more accidents. Michigan is also a “no-fault” state, which could be one reason why its average rates are so high. Personal Injury Protection (PIP) insurance is something that every single driver legally requires. After an accident, it will pay for your medical expenses and those of your passengers, regardless of who was at fault.