The best car insurance in Michigan comes from providers with high financial strength ratings and few complaints. According to Jerry’s editorial analysis, Nationwide is the best car insurance company in Michigan overall. Here’s what to know about the best insurers in the state.
If you need cheap car insurance in Michigan, be sure to compare quotes from multiple insurers to get the best rate.
Best car insurance in Michigan overall: Nationwide
Why it’s the best: Nationwide earns a 4.7 Jerry star rating due to its excellent financial strength rating and few customer complaints. It also ranked No. 2 out of 19 insurers for overall customer satisfaction in the North Central region, according to J.D. Power’s 2024 Auto Insurance Study.
Michigan drivers can get discounts for bundling policies, setting up automatic payments, going at least five years with a clean driving record and insuring a car with anti-theft devices. Full-time students with a B average or higher can also get a discount, and drivers aged 55 and older can save by taking a state-approved defensive driving course.
If you opt into Nationwide’s telematics program, SmartRide, you’ll get an immediate discount for signing up, plus more savings if you practice safe driving habits.
You can get a quote online, over the phone or in-person in one of several Michigan cities Nationwide has agents in.
Runner-up: Geico
Why it’s the best: Geico earns a 5 star Jerry rating due to its superior financial strength rating and few customer complaints to state regulators. Geico performed slightly below average in J.D. Power’s 2024 Auto Insurance North Central study, which is why the company is our pick for runner-up.
Geico offers Michigan drivers discounts for bundling policies, going accident-free for at least five years and insuring a student with a B average or higher. You may also get a discount for opting into Geico’s telematics program, DriveEasy, and practicing safe driving habits.
More of the best Michigan insurers
The following companies are also among the best car insurance providers in Michigan.
Honorable mention: Westfield Insurance
While not yet rated by Jerry, Westfield Insurance was ranked No. 3 out of 19 insurers for overall customer satisfaction in the North Central region, according to J.D. Power’s 2024 Auto Insurance Study. This study ranks insurance companies based on factors like cost and consumer trust.
Westfield stands out for its home and auto insurance bundling packages, which automatically include extras like gap insurance, transportation expenses, roadside assistance and other home insurance coverages.
Westfield offers discounts for getting a quote before the date your policy goes into effect and remaining a loyal customer. You can also get an automatic discount for enrolling in Westfield’s telematics program, MissionSafe. If you practice safe driving habits, you can then earn more savings, gift cards or rewards you can donate to charity.
You can get a quote from an agent and manage your policy through Westfield’s online portal, which lets you file and track claims, view policy documents and pay your premium.
Best full coverage car insurance in Michigan
The following companies offer some of the best full coverage car insurance rates in Michigan.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Electric | $175 |
| Embark General | $252 |
| Safeco | $259 |
| The General | $260 |
| Gainsco | $285 |
Best car insurance for teen drivers in Michigan
Below are the best options for teen drivers in Michigan, according to quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| National General | $284 |
| Bristol West | $370 |
| Progressive | $445 |
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Michigan
These are the best car insurance companies for drivers under 25 in Michigan.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| The General | $155 |
| Safeco | $295 |
| Progressive | $323 |
| Bristol West | $385 |
| National General | $414 |
Learn more: Car insurance for college students
Best car insurance for seniors in Michigan
Here are the best car insurance rates for drivers over 65 in Michigan.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $208 |
| Progressive | $213 |
| Bristol West | $288 |
| National General | $291 |
| Anchor General | $318 |
Learn more: Car insurance for seniors
How to get the best car insurance in Michigan
Follow these tips to find the best car insurance in Michigan:
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
