Drivers in Michigan may prioritize different things in their search for the best car insurance. A seamless mobile app experience and quality customer service might be key for some, while others focus on getting the best deal for their coverage.
No matter where you stand, NerdWallet has your back. We’ve done the research to deliver a roundup of the best insurance companies in Michigan based on four different parameters.
NerdWallet looked at 20 insurers available in Michigan to find the top picks for the following categories:
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How we found the best car insurance in Michigan:
NerdWallet’s editorial team considered financial strength, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance companies in Michigan. Our “ease of use” category includes factors such as website transparency and how simple it is to file a claim. As we continue to evaluate more insurance providers and receive fresh market data, our list of best auto insurance companies is likely to change.
Why you can trust NerdWallet:
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance; a company’s ratings for other products may be different on our site. See our criteria for evaluating auto insurance companies.
Best car insurance in Michigan overall: Nationwide & Progressive
Out of the 20 car insurance companies we evaluated, Nationwide and Progressive tied for the highest overall NerdWallet star ranking for Michigan drivers.
These insurers’ wide varieties of coverage types and discounts make them great options for Michigan drivers, who can choose to add rental car reimbursement coverage, gap insurance and more to their policies. Progressive and Nationwide also offer several discounts, including safe driving and bundling discounts.
Their vast offerings, along with their large networks of local agents all around the state, make Progressive tie with Nationwide for NerdWallet’s best overall auto insurer for Michigan.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Nationwide’s wide variety of coverage options and low number of complaints make it a solid choice for many consumers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Fewer than the expected number of complaints to state regulators.
Wide variety of options for customers who want to buy multiple products from one company.
Generous extras for loyal customers such as minor accident forgiveness, pet injury coverage and car key replacement.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Nationwide’s wide variety of coverage options and low number of complaints make it a solid choice for many consumers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Fewer than the expected number of complaints to state regulators.
Wide variety of options for customers who want to buy multiple products from one company.
Generous extras for loyal customers such as minor accident forgiveness, pet injury coverage and car key replacement.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Largest personal auto insurer in Michigan.
If your pet is injured in a car accident and you have collision insurance, Progressive will help pay your vet bills.
Rideshare coverage available.
Below average rating for car insurance shopping and claims satisfaction in the North Central region from J.D. Power.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Largest personal auto insurer in Michigan.
If your pet is injured in a car accident and you have collision insurance, Progressive will help pay your vet bills.
Rideshare coverage available.
Below average rating for car insurance shopping and claims satisfaction in the North Central region from J.D. Power.
Best budget auto insurance in Michigan: Geico
Out of the 12 Michigan car insurance companies with a 4.5 star ranking or above, Geico is the cheapest. But don’t let the lower price tag fool you — this insurer still offers solid coverage and customer service.
Geico is best for those who don’t need or want much agent interaction; currently there’s only one Geico agent in all of Michigan. However, its user-friendly website and mobile app make filing claims and making changes to your policy online easy. And, while Geico offers fewer coverage options than some of its competitors, slimmer policies and its wide range of discounts can make Geico’s budget-friendly premiums even cheaper.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Above-average customer satisfaction for auto insurance claims in the North Central region according to a recent J.D. Power study.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Above-average customer satisfaction for auto insurance claims in the North Central region according to a recent J.D. Power study.
Robust website and mobile app.
Many discounts available.
Doesn’t offer gap or rideshare insurance.
Limited network of local agents.
Best car insurance in Michigan for customer satisfaction: The Hanover
The Hanover may seem a bit old-school for some, since it doesn’t offer online car insurance quotes — its customers must work with an independent agent. What The Hanover may lack in online accessibility, it makes up with its customer service: This insurer boasts the lowest number of customer complaints in Michigan.
The Hanover offers a variety of coverage options, including roadside assistance, accident forgiveness and newer car replacement, which replaces your old car with a newer model in the event of a total loss. This insurer also offers bundling options for home and auto insurance beyond just discounts.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
The Hanover sells highly customizable policies in 20 states.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Below average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
The Hanover sells highly customizable policies in 20 states.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Below average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Complaints are low.
Lots of coverage options.
Combination (home and auto) policies available.
Can’t get a quote online.
Best Michigan auto insurance for ease of use: State Farm
State Farm is a good option for Michigan drivers who prioritize having a seamless experience when shopping for auto insurance, filing claims, and contacting an agent with questions about their policy. Complimenting its user-friendly website and large network of agents, State Farm’s app is highly rated, with features such as roadside assistance, claim management, and telematics programs that offer discounts for safe driving.
State Farm offers a variety of products beyond auto insurance, and gives discounts for bundling insurance policies or insuring multiple cars. Read NerdWallet’s State Farm auto insurance review to learn more.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.
Generous rental car and travel expenses coverage.
Customer satisfaction rating is better than average in the North Central region, according to J.D. Power.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.
Generous rental car and travel expenses coverage.
Customer satisfaction rating is better than average in the North Central region, according to J.D. Power.
Doesn’t offer gap insurance.
Full list of the best auto insurance companies in Michigan
Out of the 20 car insurers NerdWallet analyzed, here is the full list of the best car insurance companies in Michigan, all with a NerdWallet star rating of 4.5 or higher.
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
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