State Farm’s network of 19,000 exclusive agents service Michigan cities, including Ann Arbor, Coldwater, Detroit, Grand Rapids, Jackson, Kalamazoo, Port Huron, Springfield, Traverse City, Utica, and many more.3 The company’s discounts, reasonable rates, mobile capabilities, and bundling options make State Farm our best choice for auto insurance in Michigan. Over 87 million people across the U.S. carry State Farm insurance; you could be one of them!
Extensive Coverage Options
State Farm can take care of all your coverage needs in Michigan; it’s the rare state where minimum coverage is sufficient in some ways. Michigan law requires drivers to have at least $50,000 of bodily injury liability per person, $100,000 per accident, $10,000 of property damage liability coverage, $1 million in property protection insurance (PPI), and between $50,000 and unlimited personal injury protection (PIP).4 PIP covers medical expenses and lost wages for you and your passengers if injured in an accident, regardless of who is at fault.
In addition to the required liability and PIP, State Farm provides comprehensive, collision, rental car reimbursement, uninsured/underinsured motorist, and rideshare coverage, along with emergency road service.
Local and Exclusive Agents
Your agent is your advocate with your auto insurance provider. Ask an agent about how to lower the cost of auto insurance or how to achieve a fair insurance claim settlement after an accident.
Local agents who live in your area can be extremely beneficial because they understand the specific factors that affect auto insurance in your city and state. They can help you find the cheapest car insurance companies in Michigan based on where you live. For example, you’ll pay higher premiums living in a city like Detroit than you would in suburban or rural areas. However, there are still ways to save, as you’ll see below.
State Farm works with a large network of exclusive agents. The benefit of working with an exclusive agent is that they possess a depth of knowledge about State Farm policies and discounts. State Farm’s exclusive agents are one reason it ranks on our list of best provincial auto insurance providers.
Savings on Safety and More
Car insurance costs a lot in Michigan. According to the most recent Auto Insurance Database Report from the National Association of Insurance Commissioners (NAIC), the national annual average premium was $1,047, while Michigan’s was $1,419, or 35 percent higher.5
Fortunately, you can apply numerous State Farm discounts to your individualized plan:
- Accident-free: State Farm offers a discount after three years without a chargeable accident. This discount could increase over time the longer you go accident-free.
- Anti-theft device
- Automobile safety belt
- Drive Safe & Save: When you enroll in this program, you receive a discount of 5 percent. After enrollment, you will share information about your driving habits. Good driving habits equal a higher discount of up to 30 percent off your premium.
- Good driving: If each driver on the policy has zero moving violations and at-fault accidents during the past three years, you will receive a discount. State Farm may replace this discount with the accident-free discount after three years as a State Farm customer.
- Good student discount: Drivers under 25 who are full-time students qualify for the good student discount if they rank in the upper 20 percent of their class, have a grade average of B or higher or a GPA of 3.0 or higher, or made the Dean’s List or Honor Roll. Other eligible drivers include those who are earning Associate’s or Bachelor’s degrees, and home students who rank in the upper 20 percent of students in national standardized tests.
- Multiple automobiles
- Multiple lines
- Passive restraint
- Safe driver
- Student away at school
- Vehicle safety discount: 1994 and newer vehicles receive a discount based on the loss experience of the make and model of the insured vehicle.
In some states, insurance companies take into account gender and credit scores
when determining your premium. Michigan is one of only four states to ban auto insurance companies from basing premiums on these factors.