Jerry works with 6 different insurance companies in the Wolverine State, and in the past year alone we’ve helped 30,332 Michigan drivers compare competitive quotes and make the switch.

Every driver’s situation is different, but because we’ve helped thousands of MI drivers like you, we know what matters most. We can show you real choices made by real people, including how other drivers in your state are picking their car insurance coverage.

Here’s what we’ve noticed:

• Progressive holds nearly half of the state’s market share, and is the most-picked insurer among Jerry customers in Michigan.

• Bristol West and GEICO hold strong positions as Jerry drivers’ second and third place picks.

• The rest of our customers are spread across strong carriers like USA Underwriters, Liberty Mutual and others.

That tells us there’s no one “best” company for every driver. But there is a best fit for you, based on your own driving profile, coverage needs and risk tolerance.

Recent quotes in Michigan

Quick picks: Best Michigan car insurance by driver profile

Here are the categories we chose when selecting our best insurance companies for Michigan drivers, and which carriers are most popular in Michigan for each. Use this as a starting point, then let Jerry personalize the results for your exact details.

How Jerry helps Michigan drivers find their best insurance

There’s a reason Jerry doesn’t look like your typical insurance quote site. It’s because we are anything but typical.

For Michigan drivers, we don’t just find a low number, we find the right policy by:

• Using real data from 30,332 recent Michigan quotes to best compare your coverage options.

• Analyzing 6 top insurers in the state against our quality criteria and your specific needs.

• Showing you highly-rated options that balance coverage, claims and cost.

• Explaining why each option makes sense for your situation.

• Handling all the paperwork — including cancellation and refund requests — and helping you switch, so you never have a coverage gap.

• Continuing to monitor market rates so you always know when it’s time to shop for better pricing.

What does that mean for MI drivers? An average annual savings of $504 and high satisfaction rates among drivers who switch with Jerry.

Ready to see what you could save? Answer a few quick questions and we’ll show you the top options, fast.

Best car insurance for most MI drivers

Michigan drivers havemany different insurance companies to choose from when shopping for coverage through Jerry. Since each carrier brings its own unique mix of coverages, features, benefits and pricing to the table, Jerry helps customers compare real options and find their personal mix of affordability and protection.

Most popular insurers in Michigan

Insurer	Share of Jerry drivers	Jerry customer rating
Progressive	48%	4.8
Bristol West	33%	4.8
GEICO	15%	4.3
USA Underwriters	4%	5.0
Liberty Mutual	2%	5.0

Based on the most frequently chosen carriers by Jerry customers in this state. Customer rating based on average rating by Jerry customers in this state.

In general, good drivers in Michigan are looking for a combination of full coverage at a competitive price with strong claims support, if and when they need it. For this category of drivers, three insurance companies consistently stand out as Jerry customer favorites: Progressive, Bristol West and GEICO.

Jerry can help you compare them (and others) in just minutes, so you can decide which one actually fits your needs. Here’s a rundown of what each of these top carriers offers and why Jerry customers consider them a top pick.

1. Progressive

Recent quotes for MI drivers

Customer rating based on average rating by Jerry customers in this state.

• Why we recommend Progressive:

  • Consistently competitive rates for a wide range of drivers.
  • Straightforward online and mobile tools for managing your policy and filing claims.
  • Flexible bundling and coverage choices for drivers who want simplicity.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. Bristol West

Recent quotes for MI drivers

Customer rating based on average rating by Jerry customers in this state.

• Why we recommend Bristol West:

  • Flexible payment plans aimed at reducing lapse risk.
  • Claims reporting available anytime, plus online claim status tools.
  • Backed by Farmers Insurance Group infrastructure.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

3. GEICO

Recent quotes for MI drivers

Customer rating based on average rating by Jerry customers in this state.

• Why we recommend GEICO:

  • Quick online and mobile payment options, plus straightforward policy management and claims filing.
  • Very competitive full-coverage pricing for many MI driver types.
  • Snapshot® rewards safer driving with additional discounts as time goes on.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

Best MI car insurance for bundling home and auto

If you’re a homeowner, your insurance decisions usually shift from “cheapest” to “best fit.” Your auto policy needs to help protect the life you’ve built, including your property, savings and the people who depend on you most.

Many drivers start with bundling auto and home insurance because it’s an easy way to simplify policy management and qualify for discounts. But even without bundling, homeownership can still work in your favor. Some carriers offer homeowner-specific discounts or higher coverage limits that better reflect what you’re protecting.

In Michigan, Jerry sees most home-owning customers choosing Progressive, Bristol West and GEICO for their auto coverage, with or without bundling those policies. Here’s what each top carrier offers and why Jerry customers pick them most often.

1. Progressive

Recent quotes for homeowners

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

• Why we recommend Progressive:

  • Experienced legal and claims teams ready for serious accidents and lawsuits.
  • High liability and umbrella coverage designed to work seamlessly alongside homeowners policies.
  • Proven expertise supporting households with higher assets, net worths, and more complex coverage requirements.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. Bristol West

Recent quotes for homeowners

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

• Why we recommend Bristol West:

  • Good fit for households with mixed driver profiles under one roof.
  • Claims reporting and tracking available 24/7.
  • Makes it easy to bundle auto insurance with home coverage that fits drivers’ needs.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

3. GEICO

Recent quotes for homeowners

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

• Why we recommend GEICO:

  • Bundle discounts when you pair auto with home, renters or condo.
  • Highly rated app for ID cards, payments, vehicle changes and claims.
  • A++ AM Best financial strength rating for reliability.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

Best value for budget-focused MI drivers

If you’re trying to keep your monthly payment in check without watering down your coverage, carrier choice matters a lot more than most people think. In Michigan, our data show that Progressive, Bristol West and GEICO often deliver the strongest value for for drivers who want solid protection at a manageable price. That’s not always the absolute cheapest insurance in Michigan, but it’s usually the best balance of cost and coverage.

Over the past 12 months, Jerry has helped 17,270 Michigan drivers find coverage under $100/month, without dropping to bare-minimum limits.Here’s a look at what each top carrier offers and why Jerry customers say they’re a top pick.

1. Progressive

Recent price-friendly quotes

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

• Why we recommend Progressive:

  • Budget-friendly quotes for many driver profiles, including minimum coverage shoppers.
  • Lots of discount paths like multi-car, bundling, safe driver and continuous coverage.
  • Strong self-serve experience for policy changes and claims in the app.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. Bristol West

Recent price-friendly quotes

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

• Why we recommend Bristol West:

  • Customizable policies keep focus on required coverage first.
  • Many options for coverage limits and deductibles, to match almost any driver’s needs.
  • Options like towing and roadside service available in most states.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

3. GEICO

Recent price-friendly quotes

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

• Why we recommend GEICO:

  • Broad discount menu that can include good driver, defensive driving and driver education, varies by state.
  • Flexible payment setup in-app with multiple payment methods and adjustable payment amounts.
  • Optional roadside assistance coverage to help manage towing and lockout costs.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

Best car insurance for MI families with teen drivers

Adding a teen driver in Michigan isn’t just a “small update” to your auto policy. It’s a major pricing event, and the jump can feel disproportionate, especially if your teen is driving infrequently or sharing a family car. The key is knowing which carriers are more competitive for teen drivers and which ones price them sky-high by default.

This past year, Jerry has helped 586 MI families with teen drivers save an average of $331 annually, most often with Bristol West, Progressive and Safeco.Here’s a look at what those most popular carriers offer and why Jerry customers choose them.

1. Bristol West

Recent teen driver quotes

Based on Jerry customers with clean driving records and a teen on their policy, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Bristol West:

  • Helpful when coverage needs to be placed quickly to avoid a longer lapse.
  • Online payments and self-serve tools that reduce the need for repeated calls to an agent.
  • Backed by a larger insurance group (Farmers), which can matter for families who care about stability.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

2. Progressive

Recent teen driver quotes

Based on Jerry customers with clean driving records and a teen on their policy, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Progressive:

  • Adding a teen to a household policy usually means they share the same coverages and limits.
  • Snapshot telematics program may include an upfront participation discount, then adjust pricing at renewal.
  • Good student discount available for full-time students with a B average or better.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

3. Safeco

Recent teen driver quotes

Based on Jerry customers with clean driving records and a teen on their policy, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Safeco:

  • Bundling keeps multiple household policies under one carrier.
  • Accident forgiveness limits premium shock after a first qualifying mistake.
  • Digital documents keep insurance paperwork easy to pull for school and travel.
  • Aside from price, Jerry customers highly rate Safeco’s available discounts and mobile app.

Best car insurance for MI college students

College life involves a lot of things, but “predictable driving habits” usually isn’t one of them. Students may go weeks without touching the car, then suddenly drive home for a weekend or road trip out of town. That stop-start pattern can make it surprisingly easy to end up with the wrong setup or pay for coverage you don’t really need.

Over the past 12 months, Jerry has helped 3,590 college students in Michigan find affordable coverage that still protects them on and off campus. Progressive, Bristol West and GEICO are the most common choices for college students buying auto insurance through Jerry. Here’s why.

1. Progressive

Recent college driver quotes

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Progressive:

  • Distant student discount structured for students away at school without a car.
  • Tools that help limit cost spikes after a claim.
  • Discounts designed for students staying on a family policy.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. Bristol West

Recent college driver quotes

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Bristol West:

  • Premiums are usually competitive for good drivers, even without, good student discounts.
  • Optional towing and roadside assistance available, useful for older cars and long drives home.
  • Optional rental reimbursement helps keep transportation moving after a covered loss.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

3. GEICO

Recent college driver quotes

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend GEICO:

  • Discounts for select colleges, alumni groups and student organizations.
  • Claim Forgiveness can be earned or purchased in many states.
  • Multi-car discount for multiple vehicles on one policy.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

Best MI car insurance for drivers with violations

Tickets, at-fault accidents and DUIs can push you into the “high-risk” bucket fast, which can not only raise your premiums but also limit the carriers and coverage options available to you. But these mistakes don’t have to define your insurance forever.

Jerry has helped 1,182 Michigan drivers with violations find coverage this past year at affordable prices. We also monitor rates and let you know when to shop rates again after those violations fall off your driving record, so you can potentially save even more.

The majority of Jerry drivers with a less-than-perfect driving record find coverage through Progressive, Bristol West and GEICO — companies that are often more willing to work with Michigan drivers who have violations on their record.

1. Progressive

Recent quotes post-violation

Based on Jerry customers with one or more accidents and violations on their records who found savings in the past 18 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

• Why we recommend Progressive:

  • Deductible Savings Bank can lower deductibles by $50 per claim-free and violation-free policy period.
  • App supports quick policy changes, ID cards and claims filing.
  • Small Accident Forgiveness for a first claim up to $500 in most states.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. Bristol West

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

• Why we recommend Bristol West:

  • More forgiving for gaps in coverage than many standard carriers.
  • Set up to cover drivers with repeat tickets who still need reliable liability protection.
  • Claims reporting available anytime, so drivers can start the process right away after an incident.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

3. USA Underwriters

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

• Why we recommend USA Underwriters:

  • N/A

Car insurance options for MI military families

Whether active-duty, reservist, guard, or veteran, military life changes the way you drive, store your car and move across states. Jerry has helped Michigan military families find coverage that fits deployments, PCS moves and everything in between.

If you qualify for military-focused insurers, they should always be part of the conversation. At the same time, many standard insurers offer strong military discounts and flexible policies that Jerry can quote and compare for you.

Here’s how to think about your options.

Option A: Military-only insurers to check directly

Some companies are built specifically for military members and their families. These include USAA, Navy Federal, Armed Forces Insurance and similar providers.
If you’re eligible, they at least belong on your short list. That’s because they’re designed around deployments, PCS orders and frequent moves. These insurers often have storage or reduced-use options when your car sits on base or at home during deployment. Additionally, their customer service teams understand military pay, orders and timelines in a way civilian-focused insurers sometimes don’t.

Because of how these insurers work, Jerry can’t always show live quotes or internal ratings for them. If you qualify, the smart move is to:
1. Use Jerry to see how strong your options are with standard insurers, then
2. Get a direct quote from one or more military-only insurers and compare.

That way, you’re not guessing. You’re stacking their offer against real, competitive market pricing.

Option B: Standard insurers with strong military benefits (that Jerry can quote)

Even if you qualify for military-only insurers, it’s worth looking at national carriers that offer military discounts, manage deployments and multi-state moves well and are fully integrated with Jerry’s quoting and switching flow.

For many MI military families, GEICO, State Farm and Progressive are often part of the comparison.

1. GEICO

Best for: Discounts and practical flexibility during deployments

Why it often works well for service members:

• Military discounts and ways to adjust coverage when you deploy or drive less.

• 24/7 support that holds up across time zones, including OCONUS.

• App-based policy access for proof of insurance, claims and quick changes.

2. State Farm

Best for: PCS continuity and local agent support

Why it often works well:

• One of the largest agent networks, useful if you move often.

• Agents in many base-adjacent communities.

• Bundling that stays simple when you add home or condo coverage.

3. Progressive

Best for: Households that need fast updates

Why it can be a good fit:

• Strong pricing across many scenarios, including frequent movers.

• Digital tools for updating garaging address, mileage and policy details.

• Add-ons like rental and roadside for coverage that travels better.

Jerry can’t claim to “rank” USAA or Navy Federal against these carriers, but we can show you in minutes how GEICO, State Farm, Progressive and other standard insurers price your situation in Michigan.

Best car insurance for senior drivers in Michigan

For many Michigan drivers over 65, the best policy is the one that feels boring in the best way: it works, it’s clear, and it’s backed by a carrier that’s easy to deal with. Jerry recommends Progressive, Bristol West and Liberty Mutual for seniors who care about service, stability and long-term value.

In the last 12 months, we’ve helped 1,584 Michigan seniors find coverage that aligns with how they drive now and the protection they want.

1. Progressive

Recent senior driver quotes

Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers of age 65+ in the past 12 months.

• Why we recommend Progressive:

  • Snapshot telematics base price on hard braking, rapid acceleration, time of day, miles driven and phone use.
  • Pet injury coverage included with collision coverage, for up to $1,000 in vet bills after an accident.
  • Small Accident Forgiveness for a first claim up to $500 in most states.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. Bristol West

Recent senior driver quotes

Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers of age 65+ in the past 12 months.

• Why we recommend Bristol West:

  • Simple access to documents for registration and renewal tasks.
  • Coverage can be adjusted without relying on apps.
  • Backed by Farmers Group, for drivers who care about stability.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

3. Liberty Mutual

Recent senior driver quotes

Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers of age 65+ in the past 12 months.

• Why we recommend Liberty Mutual:

  • Lower-mileage, steady drivers can reduce pricing with RightTrack.
  • Accident forgiveness helps reduce rate shock after a first qualifying claim.
  • Bundling options available with home, renters and other coverages.
  • Liberty Mutual drivers who switched with Jerry say this carrier excels at competitive pricing, but the mobile app also gets a strong nod.

How Jerry picks the best insurers in Michigan

Most sites just sort companies by price. Jerry does more. 

No one wants to overpay for insurance, but Jerry knows that other factors matter, too. We use our own proprietary Jerry Score to grade each insurance company. Built from real Michigan driver data, this score evaluates insurers on:

The result? We show you a short list of options tailored to how you actually drive and what you actually own.