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What to Know
If you're looking to get a quote, buy a policy, and manage it online, start with Progressive. If you'd like a local agent to walk you through Michigan's options, Auto-Owners might be a better fit. Drivers with a military connection should also check USAA. Parents adding a teen should check State Farm.
Our Best Car Insurance Companies in Michigan
- Best Online Experience: Progressive
- Best for Young Drivers: State Farm
- Best for Working With an Agent: Auto-Owners
- Best for Classic Cars: Allstate
- Best for the Military Community: USAA
Progressive
Best Online Experience- Discounts
- 13
- Online Quotes
- Online Policy Purchase
Why We Like Progressive in Michigan
Progressive is our pick if you want to handle everything online. You can get a quote, buy a policy, and file a claim digitally. It also offers personal injury protection, which every Michigan policy needs. Two of its discounts reward that online path: an online quote discount and a sign online discount.
Pros and Cons
Pros
- Offers rideshare coverage
- Offers gap insurance
- 13 discounts to choose from
Cons
- Fewer discounts than some competitors
Company Review
Progressive sells car insurance in all 50 states and Washington, D.C. Its coverage includes collision, comprehensive, liability, and gap insurance, plus MedPay, uninsured/underinsured motorist, rental reimbursement, roadside assistance, rideshare coverage, a vehicle protection plan, and custom parts and equipment coverage.
It lists 13 discounts, including Snapshot safe driver, continuous coverage, teen driver, good student, distant student, homeowner, multi-car, multi-policy, paperless, pay in full, and automatic payment.
State Farm
Best for Young Drivers- Discounts
- 19
- Online Quotes
- Online Policy Purchase
Why We Like State Farm in Michigan
State Farm is our pick for young drivers. Its discount list includes several that fit new drivers and their families: good student, driver training, Steer Clear, student away at school, and defensive driving course. A household adding a teen has more than one way to lower the premium.
Pros and Cons
Pros
- Offers rideshare coverage
- 19 discounts to choose from
- Buy a policy online
Cons
- No gap insurance
Company Review
State Farm sells car insurance in 48 states and D.C., including Michigan. You can get a quote, buy a policy, and file a claim online. Beyond collision, comprehensive, and liability coverage, it offers uninsured and underinsured motorist, medical payments, rideshare driver coverage, emergency road service, car rental reimbursement, and travel expenses coverage.
It lists 19 discounts, including Drive Safe & Save, accident-free, good driver, low mileage, loyalty, senior, college graduate, and bundling. State Farm doesn't offer gap insurance, which matters if you owe more on your car than it's worth.
Auto-Owners
Best for Working With an Agent- Discounts
- 13
- Online Quotes
- Online Policy Purchase
Why We Like Auto-Owners in Michigan
Auto-Owners is our pick if you'd like to work with an agent. Michigan asks you to make real choices about PIP limits and liability levels, and some drivers would like to talk those through with a person instead of clicking through a form. Auto-Owners sells only through agents, so that conversation is part of the process.
Pros and Cons
Pros
- Offers gap insurance
- File claims online
Cons
- Can't buy a policy online
- No online quotes
Company Review
Auto-Owners sells in 26 states, including Michigan. It doesn't offer online quotes or online policy purchase, and online claim filing is limited to glass claims.
Coverage includes collision, comprehensive, liability, and gap insurance, plus uninsured/underinsured motorist, medical payments/personal injury protection, roadside assistance, rental reimbursement, diminished value coverage, and rental auto gap. Its 13 discounts include multi-policy, life multi-policy, payment history, paid-in-full, advance quote, green, safety feature, favorable loss history, teen driver monitoring, and TrueRide. This usage-based program tracks how you drive.
Allstate
Best for Classic Cars- Discounts
- 12
- Online Quotes
- Online Policy Purchase
Why We Like Allstate in Michigan
Allstate is our pick for classic cars because it offers coverage specific to classic and collector cars. New car owners can also sign up for new car replacement.
Pros and Cons
Pros
- Offers new car replacement
- Offers gap insurance
Cons
- Fewer discounts than other carriers
Company Review
Allstate sells car insurance in all 50 states and Washington, D.C. You can get a quote, buy a policy, and file a claim online. Coverage includes collision, comprehensive, liability, and gap insurance, plus medical payments, personal injury protection, uninsured/underinsured motorist, rental reimbursement, towing and labor, and ride-sharing coverage.
It lists 12 discounts, including new car, student, anti-lock brake, anti-theft device, early signing, FullPay, EZ pay, paperless, responsible payer, safe driving, multi-car, and multi-policy.
USAA
Best for the Military Community- Discounts
- 13
- Online Quotes
- Online Policy Purchase
Why We Like USAA in Michigan
USAA is our pick for the military community. Its discounts include military on-base, car storage, and MyUSAA legacy, which can fit service members who deploy or keep a vehicle on base. You need USAA membership to get a quote or buy a policy.
Pros and Cons
Pros
- Coverage and discounts specific to the military
- Offers gap insurance
- 13 discounts to choose from
Cons
- Membership required
Company Review
USAA offers nationwide car insurance coverage to anyone with a qualifying military connection – active duty members of the military, veterans, and their immediate families. Online quotes and policy purchases are available.
Coverage includes collision, comprehensive, liability, and gap insurance, plus personal injury protection, MedPay, uninsured/underinsured motorist, rental reimbursement, rideshare insurance, and roadside assistance. Its 13 discounts include SafePilot, a usage-based program, along with bundling, multi-vehicle, safe driving, basic and defensive driver training, good student, new vehicle, anti-theft device, and automatic payments.
Michigan Car Insurance Requirements
Michigan is a no-fault state, so your own policy covers your injuries regardless of who caused the crash. Every Michigan policy needs these coverages:
Michigan minimum coverage
- Bodily injury liability
- $250,000 per person/$500,000 per accident by default. You can choose as low as $50,000 per person/$100,000 per accident by signing a selection form.
- Property damage liability
- $10,000 for property damage in another state.
- Property protection insurance (PPI)
- Up to $1 million for damage your car does in Michigan to other people's property, such as buildings and fences.
- Personal injury protection (PIP)
- Required. You choose a medical limit: unlimited, $500,000, $250,000, $250,000 with exclusions (with qualified health coverage), $50,000 (Medicaid enrollees), or no PIP medical (Medicare Parts A and B). Unlimited applies if you don't choose.
None of these coverages pay to fix or replace your own car. Collision and comprehensive cover that, and a lender will usually require both if you finance or lease. Choosing a lower PIP or liability limit also leaves more of a serious crash for you to cover yourself, so check what your health plan covers before you pick a lower option.
How to Save on Car Insurance in Michigan
Choose your PIP and liability limits on purpose
Michigan's defaults are high, and the lower options come with conditions. Pick the limits that match your health coverage and what you'd need to protect, then use those same limits on every quote.
Raise your deductible
A higher collision and comprehensive deductible usually lowers your premium. Choose an amount you could actually pay the week after a crash.
Try a usage-based program
Progressive's Snapshot, State Farm's Drive Safe & Save, Auto-Owners' TrueRide, and USAA's SafePilot price your policy partly on how you drive. They tend to suit steady, low-mileage drivers more than anyone with a heavy commute.
Bundle and stack discounts
All five companies offer a multi-policy discount. Ask about the smaller ones too, like paperless, pay in full, or good student, because they can add up.
Compare quotes every year
Insurers price Michigan's PIP choices and your driving record differently. Comparing quotes before each renewal is the simplest way to see if another insurer would charge you less for the same limits.
Frequently Asked Questions
Is Michigan a no-fault state?
Michigan is a no-fault state, and every policy has to include personal injury protection. Your PIP coverage pays for your own injury-related costs after a crash, up to the medical limit you choose.
What PIP medical limit should I choose in Michigan?
It depends mostly on your health coverage. Options include unlimited, $500,000, $250,000, $250,000 with exclusions (with qualified health coverage), $50,000 (Medicaid enrollees), or no PIP medical (Medicare Parts A and B). If you don't choose, unlimited applies. Before you choose a lower option, check what your health plan would cover after a crash.
Can I lower my bodily injury liability limits in Michigan?
Yes, but only by signing a selection form. The default is $250,000 per person/$500,000 per accident, and you can choose as low as $50,000 per person/$100,000 per accident. A lower limit means you'd be responsible for more if you seriously injure someone.
What is property protection insurance in Michigan?
Property protection insurance (PPI) is required Michigan coverage that pays up to $1 million for damage your car causes to other people's property in Michigan, such as buildings and fences. It doesn't cover damage to your own car.
Do I need full coverage in Michigan?
Michigan law doesn't require collision or comprehensive coverage, but your lender usually will if you finance or lease. Even if you own your car outright, it's worth keeping both if you couldn't easily repair or replace your car yourself.
