{"id":4558,"date":"2021-10-14T17:39:19","date_gmt":"2021-10-14T17:39:19","guid":{"rendered":"https:\/\/www.cars.com\/?page_id=4558"},"modified":"2022-02-21T22:47:46","modified_gmt":"2022-02-21T22:47:46","slug":"best-car-insurance-companies-in-michigan","status":"publish","type":"page","link":"https:\/\/live.cars.com\/explore\/insurance\/best-car-insurance-companies-in-michigan\/","title":{"rendered":"Best Car Insurance Companies in Michigan"},"content":{"rendered":"\n<section id=\"page-heading\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group sds-page-section__header news-index-header\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"sds-breadcrumb wp-block-list\"><li><a class=\"\" href=\"https:\/\/www.cars.com\">Home<\/a><\/li><li><a href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies\/\">Insurance<\/a><\/li><li>5 Best Car Insurance Companies in Michigan for 2022<\/li><\/ul>\n\n\n\n<section class=\"author-content-container\">\n  <div class=\"author-content\">\n    <div class=\"author-content-byline\">\n      <a class=\"sponsor-logo\" href=\"https:\/\/money.com\" rel=\"sponsored\">\n        <img decoding=\"async\" alt=\"Money.com logo\" src=\"https:\/\/images.cars.com\/cldstatic\/wp-content\/uploads\/money.com_.png\">\n      <\/a>\n      <div>Sponsored by Money.com<\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h1 class=\"sds-heading--display wp-block-heading\" id=\"5-best-car-insurance-companies-in-michigan-for-2022\">5 Best Car Insurance Companies in Michigan for 2022<\/h1>\n<\/div><\/section>\n\n\n\n<section id=\"zip-module\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"ca-widget\" data-token=\"uc6887547d48\"><\/div>\n<script async=\"\" defer=\"\" src=\"https:\/\/www.consumersadvocate.org\/embeds\/embedder.js?v=1\"><\/script>\n<\/div><\/section>\n<\/div><\/div>\n<\/div><\/section>\n\n\n\n<div class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<section id=\"insurance-intro\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Big changes have come to Michigan\u2019s car insurance policies. For six years, Michigan had the highest car insurance rates in the U.S., beating out other expensive states like Florida and Louisiana. The reason, in part, is because Michigan is a \u201cno-fault state\u201d that offers unlimited lifetime medical benefits to Michigan drivers who are injured in accidents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, in May 2019, Michigan Gov. Gretchen Whitmer signed a law that reformed car insurance in this high-cost state. The new law gives Michigan residents more choices and, by extension, more opportunities to save on car insurance premiums. The new law took effect July 2, 2020, so the impact it will have on the car insurance industry in Michigan is still being determined.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re looking to save on Michigan car insurance by switching carriers, use the quick comparison tool below to compare rates or read the in-depth reviews of the five best companies for car insurance in Michigan.<\/p>\n<\/div><\/section>\n\n\n\n<section id=\"map-section\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"ca-widget\" data-token=\"t174dc032879\"><\/div>\n<script async=\"\" defer=\"\" src=\"https:\/\/www.consumersadvocate.org\/embeds\/embedder.js?v=1\"><\/script>\n<\/div><\/section>\n\n\n\n<section id=\"The-Best-Car-Insurance-Companies-in-Florida\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"sds-heading--2 wp-block-heading\" id=\"the-best-car-insurance-companies-in-michigan\">The Best Car Insurance Companies in Michigan<\/h2>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li><strong>Best All-Around Car Insurance in Michigan:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/car-insurance\/lp\/simple-survey?c=progressive-auto-insurance-review&amp;jump_from_embed=true&amp;pcuid=u4afe0eeb2ff&amp;wafid=\" target=\"_blank\" rel=\"noreferrer noopener\">Progressive<\/a><\/li><li><strong>Best for Extras:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/car-insurance\/lp\/simple-survey?c=allstate-auto-insurance-review&amp;from=car_insurance_campaign_forced&amp;jump_from_embed=true&amp;pcuid=u08dd6da253c&amp;wafid=\" target=\"_blank\" rel=\"noreferrer noopener\">Allstate<\/a><\/li><li><strong>Best for Customizing Car Insurance:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/car-insurance\/lp\/simple-survey?c=liberty-mutual-auto-insurance-review&amp;from=car_insurance_campaign_forced&amp;jump_from_embed=true&amp;pcuid=u73d8b1586e2&amp;wafid=\" target=\"_blank\" rel=\"noreferrer noopener\">Liberty Mutual<\/a><\/li><li><strong>Best Online Marketplace:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/car-insurance\/lp\/simple-survey?c=the-zebra-car-insurance-review&amp;from=car_insurance_campaign_forced&amp;jump_from_embed=true&amp;pcuid=uf6634196ff0&amp;wafid=\" target=\"_blank\" rel=\"noreferrer noopener\">The Zebra<\/a><\/li><li><strong>Best for Affordable Coverage and Customer Service:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/uad424ee739d\" target=\"_blank\" rel=\"noreferrer noopener\">GEICO<\/a><\/li><\/ul>\n<\/div><\/section>\n\n\n\n<section id=\"Progressive\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"sds-heading--2 wp-block-heading\" id=\"compare-auto-insurance-companies-in-michigan\">Compare Auto Insurance Companies in Michigan<\/h2>\n\n\n\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"best-all-around-car-insurance-in-michigan-progressive\"><strong>Best All-Around Car Insurance in Michigan:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/car-insurance\/lp\/simple-survey?c=progressive-auto-insurance-review&amp;jump_from_embed=true&amp;pcuid=u4afe0eeb2ff&amp;wafid=\" target=\"_blank\" rel=\"noreferrer noopener\">Progressive<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">There are many reasons Michigan residents should consider Progressive Insurance. Trusted by millions of customers, Progressive is one of the largest insurance companies in America with a 10% market share.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Progressive is the best all-around car insurance company in Michigan for a variety of reasons. Though its average statewide premium isn\u2019t the lowest in Michigan, it offers a combination of unique programs and discounts that may get you the most affordable policy possible.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Name Your Price Tool: This tool is especially useful in a state like Michigan with high premiums. With this tool, you share the price you want to pay for car insurance and Progressive works with you to find a plan that meets your budget needs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Snapshot Program: If you don\u2019t mind having this app track your whereabouts and driving habits for a few months, Progressive will give you discounts on your premiums if you prove to be a safe driver.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Customer and Claims Satisfaction:<\/strong> 824 (No. 14 on the J.D. Power Michigan Survey)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Strength Rating:<\/strong> A+ (superior)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Statewide Average Premium in Michigan:<\/strong> $3,228<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Coverage Options:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Gap coverage (loan\/lease payoff if you owe more than the car is worth)<\/li><li>Rental car reimbursement (typically $40 to $60 per day)<\/li><li>Custom parts and equipment value<\/li><li>Ride-hailing coverage<\/li><li>Roadside assistance<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Discounts:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Name Your Price Tool (enter your desired premium and Progressive will design a policy)<\/li><li>Snapshot app ($145 average discount)<\/li><li>Bundle auto and property (12% average discount)<\/li><li>Multi-policy (5% average discount)<\/li><li>Multicar (12% average discount)<\/li><li>Small accident forgiveness (your premium won\u2019t be raised on a claim of less than $500)<\/li><li>Large accident forgiveness (no premium increase in an accident if you have been a customer for a least five years with no accidents for the past three years)<\/li><li>Continuous coverage (discount varies)<\/li><li>Teen driver (18 or younger)<\/li><li>Good student (discount varies)<\/li><li>Distant students (more than 100 miles from home \u2014 discount varies)<\/li><li>Homeowner (average discount nearly 10%)<\/li><li>Online quote (7% average discount)<\/li><li>Sign online (9% average discount)<\/li><li>Paperless (discount varies)<\/li><li>Pay in full (discount varies)<\/li><li>Automatic payment (discount varies)<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bb<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/car-insurance\/lp\/simple-survey?c=progressive-auto-insurance-review&amp;jump_from_embed=true&amp;pcuid=u4afe0eeb2ff&amp;wafid=\" target=\"_blank\" rel=\"noreferrer noopener\">Get a Free Quote From Progressive<\/a><\/p>\n<\/div><\/section>\n\n\n\n<section id=\"Allstate\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"best-for-extras-allstate-insurance\"><strong>Best for Extras:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/car-insurance\/lp\/simple-survey?c=allstate-auto-insurance-review&amp;from=car_insurance_campaign_forced&amp;jump_from_embed=true&amp;pcuid=u08dd6da253c&amp;wafid=\" target=\"_blank\" rel=\"noreferrer noopener\">Allstate Insurance<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Don\u2019t confuse the \u201cbest extras\u201d with the \u201cbest bonuses.\u201d There\u2019s a difference, and Allstate knows it. While it offers numerous bonuses and discounts to their customers, it also offers several perks that make Allstate stand out.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, it has an Allstate Rewards program where you can collect points to redeem for gift cards, travel and more. It also has a preferred repair service benefit that lists several trustworthy repair sites in your area (great if you just moved somewhere).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Allstate also offers new-car replacement along with roadside assistance, car-buying services and more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Customer and Claims Satisfaction:<\/strong> 851 (No. 9 on the J.D. Power Michigan Survey)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Strength Rating:<\/strong> A+ (superior)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Statewide Average Premium in Michigan:<\/strong> $4,261<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Coverage Options:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Accident forgiveness<\/li><li>Sound system insurance<\/li><li>Roadside coverage<\/li><li>Personal injury protection<\/li><li>Personal umbrella (covers liability in excess of standard auto policies)<\/li><li>Rental reimbursement<\/li><li>Classic cars<\/li><li>Car insurance for travel to Mexico<\/li><li>Ride-hailing coverage<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Discounts:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>New car<\/li><li>Multi-policy<\/li><li>Smart student<\/li><li>Vehicle safety equipment<\/li><li>Early signing<\/li><li>Responsible payer<\/li><li>Smart Student (minimum GPA 2.7)<\/li><li>EZ pay plan<\/li><li>Paperless (Allstate ePolicy)<\/li><li>Pay by automatic withdrawal and\/or full payment<\/li><li>Drivewise monitoring app<\/li><li>Deductible Rewards ($100 reduction in your deductible for each year you\u2019re accident free, up to $500)<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bb<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/car-insurance\/lp\/simple-survey?c=allstate-auto-insurance-review&amp;from=car_insurance_campaign_forced&amp;jump_from_embed=true&amp;pcuid=u08dd6da253c&amp;wafid=\" target=\"_blank\" rel=\"noreferrer noopener\">See How Much You Can Save<\/a><\/p>\n<\/div><\/section>\n\n\n\n<section id=\"Liberty-Mutual\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"best-for-customizing-car-insurance-liberty-mutual\"><strong>Best for Customizing Car Insurance:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/car-insurance\/lp\/simple-survey?c=liberty-mutual-auto-insurance-review&amp;from=car_insurance_campaign_forced&amp;jump_from_embed=true&amp;pcuid=u73d8b1586e2&amp;wafid=\" target=\"_blank\" rel=\"noreferrer noopener\">Liberty Mutual<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Liberty Mutual doesn&#8217;t have the lowest premiums in Michigan, and its customer and claims satisfaction rating is low. But one thing the company is good at is allowing you to create your own policy from the ground up.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It offers a wide selection of both policy options and discounts that will enable you to create the most affordable policy possible based on the coverage types you need and any discounts that apply. As the company&#8217;s advertising motto goes: &#8220;Only pay for what you need.&#8221;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Customer and Claims Satisfaction Rating:<\/strong> 816 (No. 17 on the J.D. Power Michigan Survey)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Strength Rating:<\/strong> A (excellent)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Statewide Average Premium in Michigan:<\/strong> $4,200<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Coverage Options:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Medical payments (extends to legal fees, bereavement costs, and pain and suffering)<\/li><li>Personal injury protection<\/li><li>Disappearing deductible ($100 annual reduction)<\/li><li>Lifetime mechanical repair guarantee<\/li><li>New car replacement<\/li><li>Better car replacement<\/li><li>Rental car reimbursement<\/li><li>24-hour roadside coverage<\/li><li>Loan\/lease gap coverage<\/li><li>Original replacement parts<\/li><li>Teachers car insurance (covers vandalism, collision and stolen school supplies from your car)<\/li><li>Driving in Mexico<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Discounts:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Homeowner<\/li><li>Military<\/li><li>Early shopper (get a quote before your current policy expires)<\/li><li>Good student (B average or better)<\/li><li>Student away at school<\/li><li>Vehicle safety and anti-theft devices<\/li><li>Alternative energy vehicle<\/li><li>Accident- and violation-free<\/li><li>Right Track (save up to 30% with driver monitoring)<\/li><li>Bundling<\/li><li>Multicar<\/li><li>Automatic payments<\/li><li>Pay-in-full discount<\/li><li>Online purchase<\/li><li>Paperless documents<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bb<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/car-insurance\/lp\/simple-survey?c=liberty-mutual-auto-insurance-review&amp;from=car_insurance_campaign_forced&amp;jump_from_embed=true&amp;pcuid=u73d8b1586e2&amp;wafid=\" target=\"_blank\" rel=\"noreferrer noopener\">Visit LibertyMutual.com<\/a><\/p>\n<\/div><\/section>\n\n\n\n<section id=\"Zebra\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"best-online-marketplace-the-zebra\"><strong>Best Online Marketplace:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/car-insurance\/lp\/simple-survey?c=the-zebra-car-insurance-review&amp;from=car_insurance_campaign_forced&amp;jump_from_embed=true&amp;pcuid=uf6634196ff0&amp;wafid=\" target=\"_blank\" rel=\"noreferrer noopener\">The Zebra<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you can\u2019t decide between the car insurance companies listed above, check out The Zebra, which we\u2019ve named the best online marketplace.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The reason The Zebra stands out is because it actually provides real-time quotes and allows you to compare car insurance companies side by side. It also has extensive resources, blog posts and informational articles to help you truly understand the different types of auto insurance coverage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bb<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/car-insurance\/lp\/simple-survey?c=the-zebra-car-insurance-review&amp;from=car_insurance_campaign_forced&amp;jump_from_embed=true&amp;pcuid=uf6634196ff0&amp;wafid=\" target=\"_blank\" rel=\"noreferrer noopener\">Save Money Today With The Zebra<\/a><\/p>\n<\/div><\/section>\n\n\n\n<section id=\"Geico\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"best-for-affordable-coverage-and-customer-service-geico\"><strong>Best for Affordable Coverage and Customer Service:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/uad424ee739d\" target=\"_blank\" rel=\"noreferrer noopener\">GEICO<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">GEICO tops our list in two very important categories: It offers the lowest statewide average premiums in Michigan and has high customer satisfaction rankings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But GEICO also has perhaps the deepest discounts available in the industry. For example, you can get a 25% discount for having more than one car on the same policy, and up to 23% for vehicle safety and anti-theft equipment. It also offers generous discounts for federal employees, members of the military, and participation with certain affinity groups and employers. That may explain why it has the lowest car insurance premiums.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Customer and Claims Satisfaction:<\/strong> 851 (No. 1 on the J.D. Power Michigan Survey)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Strength Rating:<\/strong> A+ (superior)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Statewide Average Premium in Michigan:<\/strong> $1,823<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Coverage Options:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Roadside assistance coverage<\/li><li>Ride-hailing<\/li><li>Mechanical breakdown<\/li><li>Collector vehicles<\/li><li>Medical coverage<\/li><li>Personal injury protection<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Discounts:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Multivehicle (25%)<\/li><li>Bundling<\/li><li>New vehicle (15%)<\/li><li>Vehicle safety and anti-theft equipment (up to 23%)<\/li><li>Good driver (accident-free for at least five years, up to 22%)<\/li><li>Good student (15%)<\/li><li>Driver education<\/li><li>Federal employees (12%)<\/li><li>Members of the U.S. military (15%)<\/li><li>Membership in \u2014 or employee of \u2014 hundreds of groups and employers<\/li><li>Customer loyalty<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best for Affordable Coverage and Customer Service:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/uad424ee739d\" target=\"_blank\" rel=\"noreferrer noopener\">Get Fast, Free Quotes Today<\/a><\/p>\n<\/div><\/section>\n\n\n\n<section id=\"How-We-Chose\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"sds-heading--2 wp-block-heading\" id=\"how-we-chose-the-best-car-insurance-options-in-michigan\">How We Chose the Best Car Insurance Options in Michigan<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You have many options when it comes to choosing a car insurance company in Michigan. This list is not comprehensive, so it\u2019s important to do your own research and get at least five quotes from car insurance companies before deciding where to take your business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To arrive at this list, we considered numerous factors. We considered premium prices, technological advancements, the financial health of each company, discount offerings and more. To help with this process, we used the following websites and price comparison tools.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Customer and Claims Satisfaction<\/strong><br>We poured through data found in J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2020-us-auto-insurance-study\">2020 U.S. Auto Insurance Study<\/a>, not only for 2020, but for the years 2012-19, as well. This revealed several companies that consistently ranked high as well as smaller, lesser-known car insurance companies that deserve a top spot alongside some of the big names in the industry.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Strength<\/strong><br>Financial strength is a major factor with car insurance companies. It indicates the ability of an insurance company to pay claims. A poor or fair rating may indicate either a reluctance or a financial inability to pay claims.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We researched which car insurance companies in Michigan had the best financial strength. All five car insurance companies on this list had either an excellent or superior financial rating, indicating the financial health of the company.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Premium Considerations<\/strong><br>We took full advantage of <a href=\"https:\/\/www.consumersadvocate.org\/car-insurance\">ConsumersAdvocate.org<\/a>. This tool allows you to get auto insurance quotes in Michigan after filling out certain information like your age, estimated credit score, accident history, moving violations history and more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Using ZIP codes from several different cities in Michigan, we tested numerous driver profiles including teenage drivers, drivers with poor credit history, drivers who are renters and drivers with subpar driving histories. Progressive consistently ranked No. 1 for all types of drivers in numerous different Michigan ZIP codes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We compared the annual premiums of car insurance companies in Michigan. We did not assume the best car insurance company offered the cheapest prices. Instead, we considered each company holistically, researching their financial strength, ease of applying, customer satisfaction and more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We also took the time to comb through dozens of discount options and unique program offerings from each car insurance company to find the ones that would help not only the best drivers but all drivers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Other Factors<\/strong><br>We compared several different online insurance marketplaces and independent agencies to find the ones that had consumers\u2019 best interests in mind.<\/p>\n<\/div><\/section>\n\n\n\n<section id=\"widget\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"ca-widget\" data-token=\"uc6887547d48\"><\/div>\n<script async=\"\" defer=\"\" src=\"https:\/\/www.consumersadvocate.org\/embeds\/embedder.js?v=1\"><\/script>\n<\/div><\/section>\n\n\n\n<section id=\"What-You-Need-to-Know\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"sds-heading--2 wp-block-heading\" id=\"what-you-need-to-know-about-michigan-coverages\">What You Need to Know About Michigan Coverages<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Michigan adopted no-fault insurance in 1973 and is one of only 12 states in the U.S. to have it. This is one of the primary reasons why Michigan auto insurance is so expensive. Because Michigan offers unlimited medical benefits to Michigan drivers who are injured in accidents, the price for insurance is high.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The con to this level of coverage is that Michigan is susceptible to insurance fraud. The car insurance reform law signed in May 2019 is intended to reduce premiums and set limits on medical care costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What Is No-Fault Insurance?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In Michigan, having no-fault insurance means your insurance company will pay for your medical care in the event of an accident whether or not you\u2019re at fault. WalletHub shows the threshold for filing a lawsuit in Michigan after an accident includes \u201cserious injury, permanent disfigurement or death.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What Are Michigan&#8217;s Car Insurance Minimums?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you own a vehicle in Michigan, you are required by law to have car insurance. You are also required to pay a $100 per vehicle assessment (for 2021) to the <a href=\"http:\/\/www.michigancatastrophic.com\/\">Michigan Catastrophic Claims Association<\/a>. This fee exists to reimburse auto insurance companies for any medical claims in excess of $580,000 resulting from an accident.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The minimum amount of car insurance coverage in Michigan for bodily injury and personal damage are:<\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Up to $20,000 for a person who is hurt or killed in an accident<\/li><li>Up to $40,000 for each accident if several people are hurt or killed<\/li><li>Up to $10,000 for property damage in another state<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Keep in mind, many Michigan residents purchase additional liability insurance. You can also add on comprehensive insurance, collision insurance and uninsured motorist insurance if you choose.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What Are Michigan&#8217;s Laws Regarding Non-Insurance?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to <a href=\"https:\/\/www.michigan.gov\/documents\/difs\/Auto_Insurance_Guide_448003_7.pdf\">Michigan.gov<\/a>, if you get into an accident and don\u2019t have insurance:<\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>You can be sued.<\/li><li>You might be responsible for your own lawyer fees and court fees.<\/li><li>You will be responsible for your own medical expenses.<\/li><li>You could be fined or put in jail if convicted of knowingly driving without insurance.<\/li><\/ul>\n<\/div><\/section>\n\n\n\n<section id=\"Final-Thoughts\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"sds-heading--2 wp-block-heading\" id=\"final-thoughts\">Final Thoughts<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Michigan is the most expensive state in the U.S. to purchase car insurance \u2014 that includes <a href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-california\/\">California<\/a>, <a href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-pennsylvania\/\">Pennsylvania<\/a>, <a href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-florida\/\">Florida<\/a> or any other more populated state. Michigan is also the only state to provide unlimited medical care for life for injuries sustained in an accident. This medical care coverage is the reason why Michigan insurance is so expensive and also why it\u2019s important to carefully consider which car insurance company is best for you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When choosing a car insurance company in Michigan, we recommend that you get multiple quotes from several different companies. Also, don\u2019t be afraid to switch car insurance companies after a few years if your premiums continue to rise with no noticeable change in coverage or service.<\/p>\n<\/div><\/section>\n\n\n\n<div id=\"Disclaimer\" class=\"wp-block-group ticss-57262c78 sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"sponsored-disclaimer\">\n<a class=\"sponsor-logo\" href=\"https:\/\/money.com\" rel=\"sponsored\">\n<img decoding=\"async\" alt=\"Money.com logo\" src=\"https:\/\/images.cars.com\/cldstatic\/wp-content\/uploads\/money.com_.png\">\n<\/a>\n        <div>This advertisement was sponsored by <a href=\"https:\/\/money.com\" rel=\"sponsored\" target=\"_blank\" aria-describedby=\"audioeye_new_window_message\">Money.com<\/a>. Cars.com reporters and reviewers do not participate in the creation of sponsored articles.<\/div>\n      <\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<section class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"sds-card sds-card--news expert-review-card-wrapper latest-news-card\">\n  <a class=\"sds-card__link\" data-activity-rule-type=\"page-over-page\" data-linkname=\"news-article\" href=\"https:\/\/www.cars.com\/explore\/insurance\/how-much-is-car-insurance\/\">\n    <div class=\"sds-card__media\">\n      <figure class=\"sds-card__photo\">\n        <div class=\"sds-container__media\">\n        \t<img width=\"750\" height=\"533\" data-public-id=\"wp\/editorial\/sponsored-best-car-insurance-companies-in-pennsylvania-for-2021\/sponsored-best-car-insurance-companies-in-pennsylvania-for-2021.jpg\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets.carsdn.co\/images\/w_750,h_533,c_scale\/f_auto,q_auto\/v1621545515\/wp\/editorial\/sponsored-best-car-insurance-companies-in-pennsylvania-for-2021\/sponsored-best-car-insurance-companies-in-pennsylvania-for-2021.jpg?_i=AA\" class=\"sds-card__photo__image wp-image-4561\" alt=\"\" data-format=\"jpg\" data-transformations=\"f_auto,q_auto\" data-version=\"1621545515\" data-seo=\"1\" data-responsive=\"1\" \/>\n\t\t\t\t<\/div>\n      <\/figure>\n    <\/div>\n    <div class=\"sds-card__desc\">\n      <div class=\"sds-card__header\">      \n        <div class=\"sds-card__label\">money<\/div>\n        <div class=\"sds-card__title sds-heading--5\">How Much Is Car Insurance? Average Car Insurance Cost in 2022<\/div>\n      <\/div>\n\t\t\t<section class=\"news-card-byline\">\n\t    <\/section>\n    <\/div>\n  <\/a>\n<\/div>\n\n\n<div class=\"sds-card sds-card--news expert-review-card-wrapper latest-news-card\">\n  <a class=\"sds-card__link\" data-activity-rule-type=\"page-over-page\" data-linkname=\"news-article\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-warranty-companies\/\">\n    <div class=\"sds-card__media\">\n      <figure class=\"sds-card__photo\">\n        <div class=\"sds-container__media\">\n        \t<img width=\"750\" height=\"485\" data-public-id=\"wp\/editorial\/ConsumerAdvocate-warranty-article\/ConsumerAdvocate-warranty-article.jpg\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets.carsdn.co\/images\/w_750,h_485,c_scale\/f_auto,q_auto\/v1630015453\/wp\/editorial\/ConsumerAdvocate-warranty-article\/ConsumerAdvocate-warranty-article.jpg?_i=AA\" class=\"sds-card__photo__image wp-image-4574\" alt=\"\" data-format=\"jpg\" data-transformations=\"f_auto,q_auto\" data-version=\"1630015453\" data-seo=\"1\" data-responsive=\"1\" \/>\n\t\t\t\t<\/div>\n      <\/figure>\n    <\/div>\n    <div class=\"sds-card__desc\">\n      <div class=\"sds-card__header\">      \n        <div class=\"sds-card__label\">money<\/div>\n        <div class=\"sds-card__title sds-heading--5\">7 Best Car Warranty Companies of 2022<\/div>\n      <\/div>\n\t\t\t<section class=\"news-card-byline\">\n\t    <\/section>\n    <\/div>\n  <\/a>\n<\/div>\n\n\n<div class=\"sds-card sds-card--news expert-review-card-wrapper latest-news-card\">\n  <a class=\"sds-card__link\" data-activity-rule-type=\"page-over-page\" data-linkname=\"news-article\" href=\"https:\/\/www.cars.com\/explore\/insurance\/how-much-does-an-extended-car-warranty-cost\/\">\n    <div class=\"sds-card__media\">\n      <figure class=\"sds-card__photo\">\n        <div class=\"sds-container__media\">\n        \t<img width=\"750\" height=\"533\" data-public-id=\"wp\/editorial\/sponsored-extended-car-warranty-cost\/sponsored-extended-car-warranty-cost.jpg\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets.carsdn.co\/images\/w_750,h_533,c_scale\/f_auto,q_auto\/v1621545505\/wp\/editorial\/sponsored-extended-car-warranty-cost\/sponsored-extended-car-warranty-cost.jpg?_i=AA\" class=\"sds-card__photo__image wp-image-4571\" alt=\"\" data-format=\"jpg\" data-transformations=\"f_auto,q_auto\" data-version=\"1621545505\" data-seo=\"1\" data-responsive=\"1\" \/>\n\t\t\t\t<\/div>\n      <\/figure>\n    <\/div>\n    <div class=\"sds-card__desc\">\n      <div class=\"sds-card__header\">      \n        <div class=\"sds-card__label\">money<\/div>\n        <div class=\"sds-card__title sds-heading--5\">How Much Does an Extended Car Warranty Cost?<\/div>\n      <\/div>\n\t\t\t<section class=\"news-card-byline\">\n\t    <\/section>\n    <\/div>\n  <\/a>\n<\/div>\n\n\n<div class=\"sds-card sds-card--news expert-review-card-wrapper latest-news-card\">\n  <a class=\"sds-card__link\" data-activity-rule-type=\"page-over-page\" data-linkname=\"news-article\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-motorcycle-insurance-companies\/\">\n    <div class=\"sds-card__media\">\n      <figure class=\"sds-card__photo\">\n        <div class=\"sds-container__media\">\n        \t\n\t\t\t\t<\/div>\n      <\/figure>\n    <\/div>\n    <div class=\"sds-card__desc\">\n      <div class=\"sds-card__header\">      \n        <div class=\"sds-card__label\">money<\/div>\n        <div class=\"sds-card__title sds-heading--5\">5 Best Motorcycle Insurance Companies of 2022<\/div>\n      <\/div>\n\t\t\t<section class=\"news-card-byline\">\n\t    <\/section>\n    <\/div>\n  <\/a>\n<\/div>\n\n\n<div class=\"sds-card sds-card--news expert-review-card-wrapper latest-news-card\">\n  <a class=\"sds-card__link\" data-activity-rule-type=\"page-over-page\" data-linkname=\"news-article\" href=\"https:\/\/www.cars.com\/explore\/insurance\/how-much-is-motorcycle-insurance\/\">\n    <div class=\"sds-card__media\">\n      <figure class=\"sds-card__photo\">\n        <div class=\"sds-container__media\">\n        \t\n\t\t\t\t<\/div>\n      <\/figure>\n    <\/div>\n    <div class=\"sds-card__desc\">\n      <div class=\"sds-card__header\">      \n        <div class=\"sds-card__label\">money<\/div>\n        <div class=\"sds-card__title sds-heading--5\">How Much Is Motorcycle Insurance? Average Motorcycle Insurance Cost in 2022<\/div>\n      <\/div>\n\t\t\t<section class=\"news-card-byline\">\n\t    <\/section>\n    <\/div>\n  <\/a>\n<\/div>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"best-insurance-by-state\">Best Insurance by State:<\/h3>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li><a rel=\"sponsored\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-california\/\">California<\/a><\/li><li><a rel=\"sponsored\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-florida\/\">Florida<\/a><\/li><li><a rel=\"sponsored\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-illinois\/\">Illinois<\/a><\/li><li><a rel=\"sponsored\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-new-jersey\/\">New Jersey<\/a><\/li><li><a rel=\"sponsored\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-pennsylvania\/\">Pennsylvania<\/a><\/li><li><a rel=\"sponsored\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-texas\/\">Texas<\/a><\/li><\/ul>\n<\/div><\/section>\n<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Home Insurance 5 Best Car Insurance Companies in Michigan for 2022 Sponsored by Money.com 5 Best Car Insurance Companies in Michigan for 2022 Big changes have come to Michigan\u2019s car insurance policies. For six years, Michigan had the highest car insurance rates in the U.S., beating out other expensive states like Florida and Louisiana. The <a href=\"https:\/\/live.cars.com\/explore\/insurance\/best-car-insurance-companies-in-michigan\/\" class=\"entry__more-link\">[&hellip;]<\/a><\/p>\n","protected":false},"author":1,"featured_media":4559,"parent":4034,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_crdt_document":"","inline_featured_image":false,"_cloudinary_featured_overwrite":false,"footnotes":""},"class_list":["entry","entry--4558","entry--type-page","entry--status-publish","entry--author-knesbit","has-post-thumbnail"],"acf":[],"_links":{"self":[{"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/pages\/4558","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/comments?post=4558"}],"version-history":[{"count":0,"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/pages\/4558\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/pages\/4034"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/media\/4559"}],"wp:attachment":[{"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/media?parent=4558"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}