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Last updated: February 4, 2026Best Auto Insurance in Michigan of 2026
Nationwide, GEICO, USAA, Auto-Owners and Progressive are our top picks in Michigan, depending on your needs and budget.
Best for Customer Service
Editor's Rating:
4.8/5
4.8/5Full Coverage Averages Nationally
- Annual premium: $1,987
- Monthly premium: $166
Best for Safe Drivers
Editor's Rating:4.2/5
4.2/5Full Coverage Averages in Michigan
- Annual premium: $2,092
- Monthly premium: $174
Best for Military and Veterans
Editor's Rating:5/5
5/5Full Coverage Averages in Michigan
- Annual premium: $1,992
- Monthly premium: $166
Key Takeaways
- Michigan drivers who prioritize customer service in their car insurance provider should consider Nationwide, but GEICO, USAA, Auto-Owners and Progressive also offer great coverage for different driver categories.
- Auto insurance in Michigan is expensive, as the state has high minimum coverage limits and is a no-fault state. Full coverage averages $3,013 per year, while minimum coverage averages $1,085 per year.
- The rates listed here are averages, which provide insight into overall pricing trends, but individual premiums differ based on factors such as your age and driving history.
Summary of the Best Auto Insurance in Michigan
- Best for Customer Service: Nationwide
- Best for Safe Drivers: GEICO
- Best for Military and Veterans: USAA
- Best for Households With Teens: Auto-Owners
- Best for Drivers With a DUI: Progressive
Compare the Best Cheap Auto Insurance in Michigan
| Company | Full coverage monthly average in Michigan | Minimum coverage monthly average in Michigan | North Central customer satisfaction (J.D. Power) |
|---|---|---|---|
| Nationwide | Data not available | Data not available | Above average |
| GEICO | $174 | $76 | Above average |
| USAA | $166 | $45 | Above average* |
| Auto-Owners | $187 | $62 | Below average |
| Progressive | $202 | $81 | Below average |
| Michigan | $251 | $90 | – |
*Because of its eligibility restrictions, USAA doesn’t officially qualify to rank on J.D. Power’s surveys.
Compare cheap auto insurance options in Michigan tailored for different driver needs like safe drivers, military members, and teens.
Breaking Down the Best Cheap Auto Insurance in Michigan
1. Best for Customer Service - Nationwide
What We Like Most:
- High customer satisfaction scores in the North Central region
- Pay-per-mile insurance policies
- Generous telematics discount
Why we chose it
Nationwide is one of the top-rated auto insurers for customer satisfaction in the North Central region, according to J.D. Power. It was topped only by Erie, which is not available in Michigan. Nationwide also ranked first for usage-based insurance, indicating that customers are happy with their experience with Nationwide’s telematics programs, called SmartRide and SmartMiles.
Nationwide SmartRide is Nationwide’s standard telematics program, which tracks your driving habits and rewards you with a discount for driving safely. The maximum discount — 40 percent — is one of the highest of any telematics program, and you get a 15 percent discount just for signing up. Meanwhile, Nationwide SmartMiles is the company’s pay-per-mile program, which charges you a base rate and a per-mile rate, so your premium is linked directly to how much you drive. If you drive less than average, you could save a significant amount.
Who it’s best for
Nationwide is an excellent choice for customers who are looking for the best customer service, as well as for low-mileage drivers.
FYI:
In some states, insurance companies consider your gender and credit score when determining your premium. Michigan is one of only four states that ban auto insurance companies from basing premiums on these factors.
2. Best for Safe Drivers - GEICO
What We Like Most:
- Very affordable rates in MI
- Safe-driving discounts
- Easy online quote and purchase process
Why we chose it
Other than USAA, which is available only to those in the military community, GEICO has the lowest average full coverage rate in Michigan, at $2,092 yearly. Its average annual rate for minimum coverage, $914, is also below average in Michigan.
Safe drivers can benefit from the company’s usage-based insurance program, GEICO DriveEasy. With DriveEasy, you get 10 percent off just for enrolling. If you drive safely, you’ll earn up to 15 percent off at your next policy renewal. The safer your driving habits are, the more you can save.
GEICO provides a discount of up to 22 percent for drivers who have been accident-free for at least one year. In addition to its specific safe-driver savings, GEICO offers numerous other discounts, including savings of 23 percent for having restraint and anti-theft devices, a good-student discount of 15 percent, and a multivehicle discount of 25 percent.
Who it’s best for
GEICO is a good fit for safe drivers, as well as for those who prefer to shop for insurance online. Military members and federal employees also may want to consider getting a quote from GEICO.
GEICO Michigan Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $174 | $76 |
| Annually | $2,092 | $914 |
| Difference from Michigan average | -31% | -16% |
3. Best for Military and Veterans - USAA
What We Like Most:
- Competitive rates for military-affiliated drivers
- Military-specific support and resources
- Variety of discounts for additional savings
Why we chose it
USAA provides flexible and specialized coverage options to U.S. Armed Forces service members, their families and veterans. If you qualify, you’ll find lower-than-average auto insurance rates and high customer satisfaction ratings. USAA notes that members save an average of $725 on their annual premiums when they switch to USAA.
One of the main benefits of USAA, aside from its competitive rates, is that it’s designed to cater to the military community. That means that those eligible for membership can access more than just auto insurance, as USAA offers various other services and resources, including banking and investing resources. Military members can also access a full library of support resources to help them transition into and out of military life and receive personalized advice on the products that may fit their needs.
Who it’s best for
USAA is a superb option for anyone who qualifies for membership, including active-duty military members, veterans and their families.
USAA Michigan Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $166 | $45 |
| Annually | $1,992 | $539 |
| Difference from Michigan average | -34% | -50% |
4. Best for Households With Teens - Auto-Owners
What We Like Most:
- Affordable rates for teen drivers in MI
- Network of local agents
- Accident forgiveness
Why we chose it
The average cost of auto insurance for teens nationally is 157 percent higher than the national average for drivers in their 30s. Teens, who lack driving experience, get into accidents more often than any other age group. Auto-Owners has some of the most affordable rates for teens in Michigan, as well as a telematics discount program specifically for teens. To be eligible for the discount, teens must have a permanently installed GPS in their vehicle or enroll via a mobile app.
Auto-Owners also has other car insurance discounts for young drivers, including good-student and student-away-from-home discounts. The good-student discount is available to students who maintain at least a B average (3.0 GPA) and can save teens up to 20 percent on their car insurance. The student-away-from-home discount is available to students who are away at school at least 100 miles from home and don’t have regular access to a vehicle.
Who it’s best for
Auto-Owners is a good fit for households with teen drivers, drivers who prefer to shop through an agent, and customers who are interested in bundling their home and auto insurance.
Auto-Owners Michigan Pricing
| Auto-Owners | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $187 | $62 |
| Annually | $2,246 | $746 |
| Difference from Michigan average | -25% | -31% |
5. Best for Drivers With a DUI - Progressive
What We Like Most:
- Competitive Michigan rates for drivers with DUIs
- Rideshare coverage
- Variety of discounts
Why we chose it
The average cost of car insurance after a DUI in Michigan is steep, at $4,716 per year ($393 per month). Progressive has the lowest average rate for drivers with a DUI in Michigan, at $2,892 annually. Compare that to Allstate, which charges drivers with DUIs an average of $13,253 per year, and you can save thousands by switching to Progressive.
Like Auto-Owners, Progressive has local agents throughout Michigan. It’s easy to look up an agent in your town on Progressive’s website. Not all companies have local agents; GEICO, for example, operates almost entirely online. If you prefer working with someone in person, you’ll appreciate Progressive’s human touch.
Who it’s best for
Progressive is best for drivers who have a DUI on their record. It also may be a good fit for someone who wants to work with local agents or for households with multiple cars.
Progressive Michigan Pricing
| Progressive | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $202 | $81 |
| Annually | $2,423 | $969 |
| Difference from Michigan average | -20% | -11% |
Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – North Central1 | CRASH Network Insurer Report Card2 | J.D. Power Auto Claims Satisfaction Study3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| Nationwide | 674 | C | 729 | 2.78 |
| GEICO | 651 | C- | 697 | 1.95 |
| USAA | 728* | C- | 741* | 2.74 |
| Auto-Owners | 631 | B | 711 | 2.53 |
| Progressive | 634 | C- | 673 | 2.51 |
| Average | 643 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share; the lower the score, the better |
*Because of its eligibility restrictions, USAA doesn’t officially qualify to rank on J.D. Power’s surveys.
Average Cost of Auto Insurance in Michigan
Full Coverage Rates in Michigan
The average cost of full coverage auto insurance in Michigan is $3,013 per year, or $251 per month. That’s 28 percent higher than the national average of $2,356 per year, or $196 per month.
| Full coverage average (annually) | Full coverage average (monthly) | |
|---|---|---|
| Michigan average | $3,013 | $251 |
| National average | $2,356 | $196 |
Minimum Coverage Rates in Michigan
Michigan is also a relatively expensive state for minimum liability auto insurance, in part due to its high minimum coverage requirements. The average cost of a minimum coverage policy in Michigan is $1,085 per year, compared with the national average of $722 per year.
| Minimum coverage average (annually) | Minimum coverage average (monthly) | |
|---|---|---|
| Michigan average | $1,085 | $90 |
| National average | $722 | $60 |
Auto Insurance Costs by City in Michigan
Location is a major factor in determining car insurance rates, and average premiums can vary a lot even within the same state. Our pricing data shows that, in Michigan, car insurance is the most expensive in Detroit, where the average annual full coverage premium is $6,850 — significantly more than the state average. In Grand Rapids and Ann Arbor, the average annual premium is much lower, at $2,923 and $2,474 respectively, both below the state average.
| City | Average annual premium | Average monthly premium |
|---|---|---|
| Detroit | $6,850 | $571 |
| Warren | $4,501 | $375 |
| Sterling Heights | $3,966 | $331 |
| Lansing | $3,006 | $251 |
| Grand Rapids | $2,923 | $244 |
| Ann Arbor | $2,474 | $206 |
How Many Car Accidents Happen in Michigan?
There were a total of 288,880 car accidents in Michigan in 2024, of which 1,012 were fatal, causing 1,099 deaths.5 Another 51,202 crashes resulted in injuries, and 236,666 involved property damage. Bicyclists were involved in 1,773 crashes, and motorcyclists were in 3,187. In addition, 307 fatalities were related to alcohol.6
Minimum Auto Insurance Requirements in Michigan
The minimum coverage limits in Michigan are some of the highest in the country:
- Bodily injury liability: $50,000 per person/$100,000 per accident
- Property damage liability: $10,000 per accident outside Michigan, $1 million per accident within Michigan
- Personal injury protection (PIP): $250,000
Michigan is a no-fault state, which is why it requires PIP. This coverage pays for your medical expenses in an accident, even if the other driver was at fault. No-fault systems tend to drive up car insurance costs. Michigan also has very high minimum limits, which contribute to its high average rates. Michigan’s minimum coverage will provide more protection than minimum coverage in most other states, but it’s usually still a good idea to opt for full coverage auto insurance to help pay for damage to your own vehicle.
Frequently Asked Questions
Michigan auto insurance rates are high because of the state’s no-fault insurance laws, which require drivers to carry PIP, and a number of other factors, including a high percentage of uninsured or underinsured drivers and costly medical expenses.
Michigan’s no-fault PIP options went into effect in 2020.7 As of 2025, Michigan law requires drivers to have at least $50,000 of coverage for bodily injury liability insurance per person, $100,000 for bodily injury liability insurance per accident, $10,000 of property damage liability coverage (for property damage your vehicle causes in another state), $1 million in property protection insurance (for property damage your vehicle causes in Michigan), and $250,000 of PIP (lower limits are available to certain Medicare recipients).
The average cost of car insurance in Michigan is $3,013 per year for full coverage and $1,085 per year for minimum coverage, which are 28 percent and 50 percent more than the national averages, respectively. These are only averages, so compare car insurance quotes to find the best rates for your individual driver profile, vehicle and coverage needs.
There are many ways to save on car insurance in Michigan:
- Reduce your PIP coverage based on the newly available options.
- Raise your deductible.
- Inquire about car insurance discounts you may have missed.
- Consider switching auto insurance providers if you’ve exhausted other options.
- Sign up for a telematics program.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average auto insurance premiums in Michigan for full and minimum coverage for good drivers with good credit, as well as for other driver profiles, including those with DUIs, accidents, low credit and teenagers. Full coverage averages used the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $1 million per accident within Michigan/$10,000 per accident outside Michigan
- Personal injury protection: $250,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims handling (25%): A good claims handling process from an auto insurer is prompt, transparent and efficient, with clear communication throughout, fair evaluation of the damages and a timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Auto Claims Satisfaction Study.
- Customer experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies and the National Association of Insurance Commissioners Complaint Index.
- Coverage options (10%): We review each company’s coverage offerings and value providers with options beyond the state-required minimums, like accident forgiveness, gap insurance and rideshare coverage.
Read more about our ratings and methodology.
Sources
It’s Now a Buyer’s Market for Auto Insurance, JD Power Finds. JD Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2026. Crash Network. (2026).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2026).
https://content.naic.org/cis_refined_results.htmTOTAL CRASHES STATEWIDE TOTALS FOR 1/1/2024 THROUGH 12/31/2024. Michigan State Police TCRU. (2025, Apr 28).
https://www.michigan.gov/msp/-/media/Project/Websites/msp/ohsp/Aug-2025/PDFs/2024-County-Crash-Report-FINAL.pdf?rev=8e184e612b7c4771b2f3e1b9089af88e&hash=E8B58E03F66838EA3EBD2CAE8151601EMichigan’s overall crash fatalities rose slightly in 2024, but vulnerable roadway users saw steep increases in crashes and fatalities. Michigan OHSP. (2025, Aug 26).
https://www.michigan.gov/msp/-/media/Project/Websites/msp/ohsp/Aug-2025/PDFs/8-26-25-Crash-Report-2024-NEWS-RELEASE-WEB.pdf?rev=2a601014741a40628c3e65127e25d0c6&hash=7E61BD0FA13682E244C524EC0A9BD766MICHIGAN’S NEW AUTO INSURANCE LAW. Michigan DIFS. (2026).
https://www.michigan.gov/-/media/Project/Websites/autoinsurance/PDFs/MI_New_Auto_Ins_Law.pdf?rev=e9130745dda247ce8baac79b56a9642f
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