The Best Home Insurance in Michigan for 2024
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The average annual cost of home insurance in Michigan is $1,785. That's compared to the national average of $1,915 per year.
NerdWallet analyzed data from numerous insurance companies to help you find the best home insurance in Michigan in the following categories:
Best for affordability: Frankenmuth.
Best for coverage: State Farm.
Best for consumer experience: Nationwide.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
Best affordable homeowners insurance in Michigan: Frankenmuth
Frankenmuth
Coverage options
Discounts
NAIC complaints
Frankenmuth
Coverage options
Discounts
NAIC complaints
With an average annual rate of $1,560, Frankenmuth is less expensive than average in Michigan. Frankenmuth sells policies through local independent agents and has been in business since 1868.
You may be able to save money on a Frankenmuth homeowners policy by bundling it with auto insurance, having protective devices in your home or going a certain amount of time without filing a claim. The company has two homeowners coverage packages — one for standard homes and one with extra features for higher-value houses.
Learn more with our Frankenmuth home insurance review.
Best homeowners insurance in Michigan for coverage: State Farm
Coverage options
Discounts
NAIC complaints
State Farm
Coverage options
Discounts
NAIC complaints
As America’s largest insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home after a covered disaster. You may also be able to add coverage for things like identity theft, damage from backed-up drains and personal injury liability.
State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.
Learn more with our State Farm homeowners insurance review.
Best homeowners insurance in Michigan for consumer experience: Nationwide
Nationwide
Coverage options
Discounts
NAIC complaints
Nationwide
Coverage options
Discounts
NAIC complaints
Nationwide offers a robust consumer experience for its customers, including a website that makes it easy to manage policies, file and track claims, and set up automatic billing. It also has a highly rated app for Android and iOS that allows customers to file and track claims, review policy documents, and set up autopay.
In addition, Nationwide’s customers have several ways to get assistance, such as reaching out to their agent or calling the company’s customer service hotline. Outside of business hours, they can use the Nationwide website to get proof of insurance, pay bills and schedule callbacks. A chatbot is also available to answer basic questions.
Learn more with our Nationwide homeowners insurance review.
Full list of the best homeowners insurance in Michigan
NerdWallet analyzed home insurance companies across the state to find the best home insurance in Michigan. Here are all of the insurers that received a NerdWallet star rating of 4.5 or higher:
How much does homeowners insurance cost in Michigan?
The average annual cost of home insurance in Michigan is $1,785. That’s 7% less than the national average of $1,915.
In most U.S. states, including Michigan, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.
In Michigan, those with poor credit pay an average of $3,240 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 82% more than those with good credit.
Average cost of homeowners insurance in Michigan by city
What you pay for home insurance depends on where you live in Michigan. For example, the average cost of homeowners insurance in Detroit is $3,015 per year, while homeowners in Grand Rapids pay $1,350 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Ann Arbor | $1,320 | $110 |
Battle Creek | $1,535 | $128 |
Canton | $1,565 | $130 |
Clinton Township | $1,535 | $128 |
Dearborn | $2,165 | $180 |
Detroit | $3,015 | $251 |
Farmington | $1,760 | $147 |
Flint | $2,075 | $173 |
Grand Rapids | $1,350 | $113 |
Holland | $1,340 | $112 |
Jackson | $1,550 | $129 |
Kalamazoo | $1,445 | $120 |
Lansing | $1,640 | $137 |
Livonia | $1,625 | $135 |
Macomb | $1,480 | $123 |
Muskegon | $1,620 | $135 |
Rochester | $1,545 | $129 |
Saginaw | $1,685 | $140 |
Southfield | $2,145 | $179 |
Sterling Heights | $1,535 | $128 |
Troy | $1,570 | $131 |
Utica | $1,490 | $124 |
Warren | $1,810 | $151 |
Westland | $1,890 | $158 |
Ypsilanti | $1,460 | $122 |
The cheapest home insurance in Michigan
Here are the insurers we found with average annual rates below the Michigan average of $1,785.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Hastings Mutual | Not rated | $1,015 |
Fremont | Not rated | $1,285 |
Not rated | $1,290 | |
$1,450 | ||
Wolverine Mutual | Not rated | $1,530 |
$1,560 | ||
Pioneer State | Not rated | $1,650 |
Auto Club Group (AAA) | $1,725 | |
Meemic* | Not rated | $1,030 |
*Meemic homeowners insurance is available only to teachers and other school employees. | ||
What to know about Michigan homeowners insurance
Here are a few things to keep in mind when evaluating home insurance options in Michigan.
Flooding
Michigan does experience flooding, and homeowners insurance typically won’t cover the resulting damage. If you live in a high-risk zone for flooding, such as along a lake or river, your mortgage lender will likely require you to purchase flood insurance. But you could be at risk no matter where you live, so flood insurance may still be worth considering.
You can use the Federal Emergency Management Agency's flood maps or check RiskFactor.com to see the likelihood of flooding in your area.
Tornadoes
A standard homeowners insurance policy covers tornado damage, along with any additional living expenses you might have if you have to move out of your home after the storm.
Winter storms
Snow, ice and frigid temperatures could lead to problems like pipes bursting or tree branches falling on your home. Homeowners insurance will generally cover this type of damage, as long as it wasn’t due to your negligence.
Say you turn your thermostat down too low while you’re away from home for a few days. Your insurer might refuse to pay for damage from a burst pipe because you could have prevented it.
Michigan Basic Property Insurance Association
If you’re unable to find an insurance company to insure your home, work with an agent to apply to the Michigan Basic Property Insurance Association. MBPIA is the state’s insurer of last resort, offering coverage to those who can’t get it in the private market.
Michigan Department of Insurance and Financial Services
Michigan’s Department of Insurance and Financial Services can help you file a complaint against your insurance company or learn more about how home insurance works. Its website lets homeowners submit a complaint electronically, plus offers information about home insurance laws and where to shop for a policy. Assistance is available by calling 877-999-6442.
Methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the state. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Star rating methodology
NerdWallet’s homeowners 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, coverages, discounts and online experience. 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 full homeowners insurance rating methodology.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare with 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.
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