Fact CheckedNerdWallet’s editorial team collected data on 21 auto insurers in Michigan and scored them for a variety of factors, including customer experience, online features and discounts. We chose Amica for the top spot in Michigan, but plenty of other car insurance companies also earned high ratings.
Our February 2026 picks for the best car insurance companies in Michigan are:
Category winner | NerdWallet star rating |
|---|---|
Best overall car insurance company: Amica | |
Best budget pick: GEICO | |
Best if you need to make a claim: Nationwide | |
Best for coverage options: Farmers | |
Best for young drivers: Progressive |
For our list of the best car insurance companies in Michigan, we considered only insurers that achieved a minimum NerdWallet star rating of 4.5. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies may change.
NerdWallet’s editorial team considers these factors when choosing the best auto insurance companies:
Financial strength: We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims.
Consumer experience: These ratings 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 (NAIC). We also look at survey data from J.D. Power’s yearly national and regional studies.
Digital ease of use: This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes the quality of information offered online, mobile app scores based on Apple and Google Play store ratings, and whether a user can start and track a claim, or get a quote online.
Ways to save: We look at the kinds of discounts a company offers and the total number of discounts available.
You can read our full auto insurance methodology to learn more.
Strict editorial guidelines to ensure fairness and accuracy in our coverage.
Thorough rating guidelines for evaluating auto insurance companies.
More than 120 million rates analyzed by our team of specialists.
More than 130 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in a state where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
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Best overall for car insurance in Michigan: Amica
best insurance company in michigan
Amica
- Low consumer complaints.
- Many discounts and policy perks, including accident forgiveness and new car replacement in some states.
- Potential to earn dividends.
- Often more expensive than average in the states where we have data.
- Amica car insurance isn’t available in Hawaii, but other kinds of insurance, like life insurance, may be.
Why Amica is the best: We rated Amica highly in Michigan for the number of discounts it offers, its digital features and app, and its customer satisfaction. If you need to make a claim, Amica could be a great company to work with. It earns fewer complaints than expected for its size, and scored better than average on the J.D. Power Claims Satisfaction Study.
Amica's coverage options stand out compared to other top-rated companies in Michigan. You can add extras like gap insurance, new car replacement and glass coverage to a standard policy. Amica also offers homeowners insurance that you can bundle with your auto insurance policy.
You can also opt for higher premiums in exchange for a dividend-paying policy that could earn money depending on Amica’s performance.
Don’t pick Amica if: You haven’t gotten rates from other insurance companies first. We don’t have pricing data for Amica in Michigan, but in other states Amica can be more expensive than average for some drivers. Make sure to compare car insurance quotes to get your best rate.
» Read the full review: Amica auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $3,178 $1,060 One speeding ticket, good credit $4,103 $1,348 One at-fault crash, good credit $3,893 $1,505 One DUI, good credit $11,444 $2,817 Clean driving record, poor credit $9,541 $1,854
Best for shopping on a budget: GEICO
Best for budget shoppers
GEICO
- Often among the cheapest car insurance companies in NerdWallet's rates analyses.
- Many discounts available.
- Fewer complaints than expected for a company of its size.
- Doesn't offer gap insurance.
- Limited network of local agents.
- Below-average customer satisfaction for auto insurance claims in a recent J.D. Power study.
Why GEICO is the best: We found that GEICO often has some of the lowest rates on average in Michigan for good drivers, as well as for drivers with an accident or speeding ticket on their record. This makes GEICO worth checking out in a state like Michigan where the average cost of coverage is relatively high.
Another reason why GEICO is the best car insurance in Michigan for budget-conscious shoppers is its collection of discounts. GEICO earned the highest discount score in our analysis for 2026.
Don’t pick GEICO if: You want to add lots of coverage to your policy. GEICO has fewer optional types of car insurance than many other insurers.
How much is GEICO car insurance in Michigan? The average cost of car insurance from GEICO for someone with a clean driving record is $110 per month, or $1,321 per year in Michigan. That’s compared to the statewide average of $3,134 per year.
» Read the full review: GEICO auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $1,321 $541 One speeding ticket, good credit $2,848 $1,028 One at-fault crash, good credit $3,289 $1,187 One DUI, good credit $8,403 $2,837 Clean driving record, poor credit $2,129 $802
Best if you need to make a claim: Nationwide
Best for making a claim
Nationwide
- Receives fewer complaints to state regulators than expected for a car insurance company of its size.
- Wide variety of options for customers who want to buy multiple products from one company.
- Generous extras for some loyal customers such as minor accident forgiveness, pet injury coverage and car key replacement.
- Often more expensive than average for drivers with recent accidents or driving violations.
- Doesn't sell auto insurance policies in all states.
Why Nationwide is the best: Nationwide earns fewer complaints than expected for its size. It also ranks near the top of the North Central region for overall satisfaction on the J.D. Power Auto Insurance Study. The same study ranks Nationwide first among companies with usage-based car insurance — programs which could be a savings opportunity for good drivers.
Besides its reputation for quality customer satisfaction, Nationwide offers a few practical coverage options that set it apart from some other top insurers in Michigan. With Nationwide, you could improve a basic policy by adding accident forgiveness, gap insurance and more.
Don’t pick Nationwide if: You haven’t gotten rates from other companies first. You might find that other companies offer cheaper car insurance.
How much is Nationwide car insurance in Michigan? The average cost of car insurance from Nationwide for someone with a clean driving record is $315 per month, or $3,779 per year in Michigan. That’s compared to the statewide average of $3,134 per year.
» Read the full review: Nationwide auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $3,779 $2,518 One speeding ticket, good credit $6,549 $4,414 One at-fault crash, good credit $6,191 $4,103 One DUI, good credit $10,728 $7,315 Clean driving record, poor credit $5,990 $4,014
Best for coverage options: Farmers
Best coverage options
Farmers
- Lots of discounts available.
- Wide variety of coverage options.
- Doesn’t offer car insurance in all states.
- May be more expensive than other companies.
Why Farmers is the best: Farmers’ wide selection of insurance options makes it the best choice in Michigan for drivers looking to add coverage onto a basic policy. Farmers offers original parts coverage, gap insurance and accident forgiveness, as well as new car replacement for vehicles less than two years old and with less than 24,000 miles.
Besides its coverage offerings, we found that Farmers may have some of the best rates in Michigan for good drivers. The insurer also offers a great set of discounts, including its Signal usage-based insurance program, that could help you get even better rates.
Don’t pick Farmers if: An insurer’s customer experience rating is the most important factor to you. We rated Farmers lower than other top insurers because it scores lower than average on the J.D. Power Customer Satisfaction Study, and on the regional Auto Insurance Study.
How much is Farmers car insurance in Michigan? The average cost of car insurance from Farmers for someone with a clean driving record is $204 per month, or $2,446 per year in Michigan. That’s compared to the statewide average of $3,134 per year.
» Read the full review: Farmers auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,446 $536 One speeding ticket, good credit $3,322 $608 One at-fault crash, good credit $4,880 $928 One DUI, good credit $5,976 $912 Clean driving record, poor credit $5,258 $1,066
Best for young drivers: Progressive
best for young drivers
Progressive
- Three different accident forgiveness programs, including two with automatic enrollment, available in certain states.
- If your pet is injured in a car accident and you have collision insurance, Progressive will help pay your vet bills in most states.
- Rideshare coverage available.
- Below average rating for claims satisfaction from J.D. Power.
Why Progressive is the best: According to our February 2026 analysis, Progressive has some of the best rates, on average for young drivers, including those with an accident or driving violation on their records. Relatively cheap rates for different types of young drivers could help them (and their parents) lower their insurance costs.
Progressive also offers young drivers a few discounts. Drivers could save by maintaining a B grade average and for remaining on a parent’s policy for at least 12 months. Young drivers could also sign up for SnapShot, which sets rates based on driving habits. Practice safe driving and you could receive a discount.
Don’t pick Progressive if: You want the company with the highest-rated customer experience. Progressive has a lower than average score on the J.D. Power Auto Claims Satisfaction Study.
How much is Progressive car insurance in Michigan? The average cost of car insurance from Progressive for someone with a clean driving record is $186 per month, or $2,228 per year in Michigan. That’s compared to the statewide average of $3,134 per year.
» Read the full review: Progressive auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,228 $1,025 One speeding ticket, good credit $3,258 $1,338 One at-fault crash, good credit $3,327 $1,356 One DUI, good credit $2,838 $1,198 Clean driving record, poor credit $3,542 $1,469
All of the top-rated insurance companies in Michigan
The best car insurance company depends on a person’s driving history, budget and the amount of coverage that they need. Since these factors are different for each person, there’s not one single company that’s best for everyone.
Of all of the top-rated car insurance companies in Michigan, these are the ones we think are best for certain types of drivers:
Category winner | NerdWallet star rating |
|---|---|
Best car insurance in Michigan: Amica | |
Best for budget shoppers: GEICO | |
Best for customer satisfaction: Nationwide | |
Best for adding extra coverage: Farmers | |
Best for young drivers: Progressive | |
Best for high-risk drivers: Direct Auto | |
Best for bundling auto and home: State Farm | |
Best for military families: USAA* | |
*USAA is available only to military, veterans, and their families. | |
What to know about car insurance in Michigan
Car insurance can be more complicated in Michigan than other states. Getting a sense of how car insurance in the state works can help you understand the amount of coverage you need and what to expect after an accident.
Michigan requires drivers to have these types of car insurance:
Bodily injury liability insurance: Helps pay for costs related to another driver’s injuries or death after an accident that you cause.
Property protection insurance: Michigan requires up to $1 million in coverage for the damage you do to another person’s property. Michigan also requires $10,000 of residual property coverage for damage you cause in other states.
Personal injury protection: Pays for your medical expenses after you’re injured in an accident, as well as lost wages and rehab services. You can receive personal injury coverage even if you’re at fault for the accident.
The amount of coverage that you need can seem confusing, especially for personal injury protection. Michigan requires at least $250,000 of coverage, but you can sign up for more — including an “unlimited” option. To further complicate things, your health insurance influences the amount of PIP that you're able to get.
Most people in Michigan need more than the minimum amount of car insurance. Importantly, a basic policy provides zero coverage for your car if you’re the one who’s at fault for an accident — you would need a full coverage policy (one with comprehensive and collision insurance) for this kind of coverage.
Michigan is a no-fault state, meaning that your personal injury protection will help pay for costs related to your injuries and other expenses, even if you were at fault for the accident. In other states, your insurance would pay only for the other driver’s injuries when you were at fault.
Personal injury protection also provides some coverage for lost wages for three years and even funeral costs after a fatal accident. Benefits aren’t taxable, so your insurance payouts would be less than your pre-tax income.
The average cost of car insurance in Michigan is $3,134, but it depends on how much coverage you have and your driving record. Other details like your age, where you live, your car and your insurance company will also affect your rates. Here is the cost of car insurance in the state for different drivers:
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $3,134 $731 One speeding ticket, good credit $4,900 $1,220 One at-fault crash, good credit $4,157 $1,104 One DUI, good credit $7,812 $2,009 Clean driving record, poor credit $6,602 $1,560 It could be difficult to find car insurance after multiple accidents or serious driving violations. In this case, you may need to get insurance through the Michigan Automobile Insurance Placement Facility (MAIPF), an association of all of the insurers in Michigan.
How to get the best auto insurance in Michigan
There are many more insurance companies in Michigan than the ones we’ve called out here. If you’re still not sure which one is right for you, or you want to do some research on your own, you can follow these steps.
Understand the coverage you need. While we recommend getting more coverage than Michigan requires, you don’t want to pay extra for coverage that you don’t need. Pay attention to the level of PIP you choose. An unlimited plan would provide more coverage, but would be much more expensive.
Consult trusted sources. If you’re unsure that a company is legitimate or checks all of the boxes, search out financial strength ratings from AM Best and complaint data from the NAIC. You could also read insurer reviews from NerdWallet.
Avoid gaps in coverage. An insurance gap happens when you no longer have continuous insurance coverage. When you get insured again, you could be labeled as a high-risk driver and see fewer companies willing to offer you coverage that you can afford.
Shop around at least once a year. The cost of car insurance changes regularly. Before you buy a policy, shop around and compare rates from a few companies.
Don’t shy away from smaller insurers. A small, regional insurance company in Michigan may line up best with your coverage needs and budget. An agent or broker could help you find local insurance companies in your area.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Auto Claims Satisfaction Study. Accessed Jan 26, 2026.
- 2.J.D. Power. Auto Insurance Study. Accessed Jan 26, 2026.
- 3.Michigan Department of Insurance and Finacial Services. Purchasing Auto Insurance FAQ. Accessed Jan 26, 2026.
- 4.Michigan Legislature. Expenses and work loss for which personal protection insurance benefits payable. Accessed Jan 26, 2026.
- 5.Michigan Auto Insurance Placement Facility. Welcome to the MAIPF. Accessed .
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Here’s how we evaluated each car insurance company and the weights we placed on each category:
Financial strength (30%).
Consumer complaints (30%).
Ease of use (20%).
Affordability (20%).
The best auto insurers excel at all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and provide more than one way to buy and manage a policy. They're financially strong and able to keep their customers happy throughout the relationship.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are median rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state.
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
We used a 2023 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for 35-year-old drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different.
