Best Companies in Michigan for Car Insurance

There are many car insurance companies in MI, including State Farm, Progressive, and Allstate. The average rates for full coverage in the state are $104.36/mo.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses...

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Reviewed byJoel Ohman
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UPDATED: May 12, 2020

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

Car insurance is a competitive business in the state of Michigan, with companies ranging from national chains to local neighborhood institutions.

In order to help drivers sort through their options, Michigan ranks high volume car insurance providers and publishes a yearly list which focuses on the top insurance companies operating in the state.

This list, combined with a list of competitive car insurance quotes, should be cross referenced in order to receive the best car insurance for your budget.

See how much you can save on car insurance with our FREE quote comparison search!

Top Car Insurance Providers for Service

According to the state of Michigan, the following large companies have the best complaint to resolution ratio, combined with their total output for claims on a yearly basis:

  • Allstate Property & Casualty Insurance – Allstate is a national chain and a Fortune 100 company founded in 1931. They place an emphasis on giving back to the community through the Allstate Foundation. The state of Michigan ranks them as having a .03% complaint ratio
  • Auto Owners Insurance – Auto Owners is a Michigan car insurance company that currently operates in 26 different states. They are an independent agency system which has been in business for over 90 years and has been on the Fortune 500 list since 2002. The state of Michigan ranks them as having a .04% complaint ratio
  • Auto Club Insurance Company – Auto Club Insurance Company (AAA) is an international chain that serves the majority of the USA and parts of Canada. They have been in business since 1902 and currently have over 50 million members. The state of Michigan ranks them as having a .09% complaint ratio
  • State Farm Insurance – State Farm operates as a mutual company, meaning that all policyholders also act as owners. They have been in business since 1922 and are an international chain, serving approximately 81 million members across the USA and Canada. The state of Michigan ranks them as having a .10% complaint ratio
  • Progressive Michigan Insurance Company – Progressive is a national chain that has two Michigan claims center locations. They have been in business since 1937 and offer 24/7 claims support. The state of Michigan ranks them as having a .11% complaint ratio

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Michigan Car Insurance Price Quotes

Now that you’ve seen a basic overview of the service rankings of car insurance companies in Michigan, it’s time to consider pricing.

Obtaining price quotes from all of the insurance providers in Michigan can easily be done online.

In many cases, a single website will provide you with access to the online quote calculators for each company in one simple location.

Once you’ve gathered quotes from all applicable companies, be sure to compare them based on several different criteria points.

If your budget allows any flexibility, you’ll quickly discover that it is not enough to simply go with the cheapest car insurance option.

When deciding between all of the options, be sure to compare the following points:

  • Annual Price
  • Deductible
  • Coverage Amounts in Each Category
  • Extras, such as Glass Coverage
  • Discounts such as Pay Up Front Options

In many cases, the company with the lowest annual fee may actually end up costing you more money in the long run.

Remember to decide exactly how much coverage your vehicle needs.

If it’s a newer vehicle, full coverage not only makes the most sense but may even be a requirement of your car loan.

Negotiating with Car Insurance Companies

After you’ve decided what level of coverage you need and compared all applicable car insurance policies, it’s time to negotiate with your top choices.

Do not be afraid to ask for car insurance discounts which will reduce your annual costs.

Insurance providers have multiple discounts that they can apply to accounts but if you don’t ask for them, you’re likely to miss out.

Most companies are especially likely to offer at least a minimal discount when they see a direct comparison of their rates versus their competitor’s rates.

Regardless of which insurance provider you select, you’ll feel more confident in your decision due to comparing all applicable companies via the internet.

Try our FREE ZIP code search below to see how much you could save on car insurance today!

References:

  1. https://www.allstate.com
  2. http://www.auto-owners.com/
  3. http://autoclubsouth.aaa.com/Insurance/Insurance.aspx
  4. https://www.statefarm.com/
  5. https://www.progressive.com/
  6. http://www.iiminfo.org/CONSUMERS/AutoInsurance/tabid/1715/Default.aspx

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