Jerry SummaryNationwide offers the best car insurance in Michigan, according to Jerry’s editorial analysis, thanks to its excellent financial strength rating and customer satisfaction. Geico comes in second place, while Westfield Insurance earns an honorable mention due to its bundling packages and high customer satisfaction. You can get the best car insurance in Michigan by comparing quotes from multiple insurance companies.
Jerry’s editorial team thoroughly evaluated 29 auto insurance companies to find the best car insurance in Michigan. Jerry’s star ratings are based on factors like financial strength ratings, complaints to state regulators and customer satisfaction.
These are the best car insurance companies in Michigan:
- Nationwide: Best car insurance overall.
- Geico: Runner-up.
- Westfield Insurance: Honorable mention.
If you need cheap car insurance in Michigan, be sure to compare quotes from multiple insurers to get the best rate.
-
Why you can trust Jerry’s editorial content
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
Commonwealth Insurance offers the best full coverage car insurance rates in Michigan, according to Jerry’s data analysis, with an average cost of $139 per month.
Here are more companies that offer some of the best full coverage car insurance rates.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Bluefire | $159 |
| Clearcover | $190 |
| Embark General | $216 |
| First Acceptance | $227 |
| Geico | $236 |
Choosing the best full coverage car insurance often comes down to the insurance company itself. Beyond just the policy details, consider how reliable and supportive the insurer is when you need them most. Companies with strong customer service, efficient claims processes and positive reviews from drivers are the best choice. Be sure to research customer experiences and read car insurance reviews to help you feel confident in the company you go with.
Best car insurance for teen drivers in Michigan
Geico offers the best car insurance rates for teen drivers in Michigan, according to Jerry’s data analysis, with an average cost of $327 per month.
Here are more companies that offer some of the best car insurance rates for teens.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Geico | $329 |
| Bristol West | $454 |
| Liberty Mutual | $519 |
| Progressive | $526 |
| National General | $526 |
The best car insurance for a teen driver often comes from companies that reward good habits. Many insurers offer discounts for teens who maintain good grades, complete driver safety courses or opt into telematics programs that track safe driving behaviors. Choosing a policy that encourages responsible driving not only helps keep a teen safe on the road, but should also keep the policy more affordable over time.
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Michigan
Clearcover offers the best car insurance rates for young drivers in Michigan, according to Jerry’s data analysis, with an average cost of $95 per month.
Here are more companies that offer some of the best car insurance rates for young drivers under 25.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Clearcover | $95 |
| Embark General | $146 |
| First Acceptance | $151 |
| ROOT | $163 |
| Infinity | $211 |
Young drivers under 25 can benefit from policies that reward safe and responsible behavior, since younger drivers are viewed as risky to insure. Many insurers offer discounts for maintaining a clean driving record, completing driver education courses or opting into telematics programs that monitor driving habits. Choosing a policy that encourages and recognizes good driving can not only improve safety on the road but also potentially lower premiums over time.
Learn more: Car insurance for college students
Best car insurance for seniors in Michigan
National General offers the best car insurance rates for drivers over 65 in Michigan, with an average cost of $154 per month, according to Jerry’s data analysis.
Here are more companies that offer some of the best car insurance rates for drivers over 65.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| National General | $149 |
| Progressive | $204 |
| Geico | $208 |
| Bristol West | $214 |
| Safeco | $232 |
Drivers over 65 can find the best car insurance by choosing a policy that aligns with their driving habits. Seniors who don’t drive many miles can consider pay-per-mile car insurance, which can be a more affordable option for people who rarely drive. Many insurers also offer discounts to seniors who complete a defensive driving course, which not only sharpens driving skills but can also lower rates.
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.
FAQs
-
What is the best car insurance company in Michigan?
-
Who has the best car insurance rates in Michigan?
-
How do I find the best car insurance in Michigan?
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 with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
