Auto Insurance Basics

Auto Insurance Companies in Michigan

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In Michigan, drivers can choose among more than 50 insurers to purchase a policy. Picking an auto insurer is a complex choice. With so many options being constantly thrown in your face, a catchy jingle, logo, how can drivers make a decision? Below is a listing of 26 insurers - both local and national - licensed in Michigan, and include some of the largest auto insurance companies in the state. We'll go through each and describe unique attributes pertaining to Michigan drivers, such as insurers that focus on contributing to the community or conducting business through independent agents, to help motorists make a decision.

State Farm Group

State Farm is the most popular insurer in Michigan, based on the amount of business they underwrite, with over 300 agents across the state. In Michigan, State Farm offers a No Dependents Premium Adjustment and a Wage Loss Waiver Premium Adjustment. Drivers can receive a discount on their mandatory coverages if they don't have dependents under their policy. To qualify for the Wage Loss Waiver Premium Adjustment, if drivers or members of the family are 60 years or older and were involved in an accident and are not able to receive work loss benefits when there was no loss of income from working, policyholders can save on their Personal Injury Protection Coverage premium.    

AAA/Michigan Auto Club

AAA insures the second most amount of cars in Michigan. To be part of Michigan’s Auto Club, there is a membership fee and depending on whether it is a basic, plus, or premier membership, it can anywhere from $52 - $115. To add other family members, there is an associate fee from $14.50 - $68, again based on the tier of membership and if there is a promotional discounted fee. Having a membership to AAA gives drivers access to roadside assistance, special discounts, and savings on travel. For example, the most popular deal is the Universal Orlando Resort deal, which gives members savings at Universal Orlando - which can be a warm departure from Michigan's climate.

Progressive Group

Progressive Service Centers are located in Livonia and Sterling Heights - two full-service locations that help drivers resume their lives quickly after an incident with a rental car and a full staff of claims / repair personnel. At Progressive, the Name Your Price tool filters all their Michigan insurance rates on cost, so drivers can see their options. Another tool specific to Progressive is Snapshot, an optional device that is plugged into drivers’ cars and bases drivers’ premiums on how well or much they drive.

Allstate Group

With over 150 agents in various cities, Allstate is the fourth largest insurer in Michigan. A popular tool at Allstate is Drivewise. This device, or mobile app, rewards motorists for being smart drivers and earns them Allstate Rewards points which can be redeemed for offers, sweepstakes, and other discounts. The concept of a rewards program is rather rare among car insurers, so Alltate shines in this regard. Star Driver is another app geared towards parents and their teen drivers, that lets both parties set expectations around driving, and alerts parents when teens exceed those limits.

The Hanover Insurance Company

The Hanover offers a number of plans depending on the amount or level of coverage that drivers need, ranging from Platinum Auto plans to their Connections Auto plan. In Michigan, there are three regional offices in Howell, Grand Rapids, and Maccabees Center. Drivers at The Hanover should look to an independent agent for guidance when picking a coverage, getting a quote, and finding out more information about insuring with Hanover. 

Farm Bureau Insurance of Michigan

A Lansing-headquartered insurer, Farm Bureau focuses on the Michigan community and has partnerships with many organizations such as the American Cancer Society, Ele’s Place, and Juvenile Diabetes Research Foundation. Members of Farm Bureau receive benefits on health, savings, and travel with car rental, prescription drugs and hotel discounts. The Farm Bureau is working on expanding their website to provide more information to drivers who want 24/7 access.

Meemic Insurance Company

Only offered to teachers, staff and professors of educational institutions, Meemic offers benefits geared towards educators, which is great news for personnel at the Michigan Department of Education to the UMich university system. New certified teacher discounts, liability coverage for driving students to school events, and a $25 deductible for comprehensive losses on school property are all benefits of Meemics auto insurance plan, and are just a few ways the company recognizes the contributions of their customers. The Meemic Foundation is a nonprofit organization sponsored by Meemic that offers grants for classroom projects to inspiring educators. Lastly, the company ranked among the cheapest car insurance companies in Michigan, as we found out in our last study of rates in the state.

GEICO Group

While GEICO is predominantly an online auto insurance company, it does station a few agents on the ground in certain states. In Michigan, however, not only are there are no GEICO agents, the option of getting a car insurance quote online is not available. If drivers want to insure with GEICO, they'll have to go through their customer service call center or send an email to [email protected] to reach a representative for an application for car insurance to be mailed to drivers’ home. It's an extra step that consumers in the Great Lake State will have to take.

USAA Group

USAA is a proud insurer of military officers and their families. Special discounts that USAA offers include the Military Installation Discount and the Family Discount. The Military Installation allows drivers to save on their comprehensive coverage when drivers store their vehicle on a military base. The Family Discount is when drivers continue insuring with USAA if their parents where insured with USAA. Personnel stationed at the Selfridge ANGM Air Force Base and the Detroit Arsenal Army Base, to name a few places, should definitely get quotes from USAA into their mix of companies. Rates here tend to be more favorable and lower compared to other companies, and we rank it as one of our top companies for military members and their families.

Auto-Owners Insurance

Headquartered in Michigan with administrative offices in Lansing, Auto-Owners is run by independent agents around the nation. A unique feature of Auto-Owners is the No Problem Claim Service. For drivers who need report a claim, they can call their agent and their agent will file the claim to headquarters. With headquarters so close within the state, it's hopeful that processing or mail time can be reduced.

Farmers Group

Farmers’ Michigan state office is in Novi with other agents located across the state. A unique discount at Farmers here is the Youthful Driver discount. This allows policyholders to add a child or grandchild in the Wolverine State under the age of 25 to receive a discounted premium. Farmers Inner Circle is the rewards program that offers drivers perks and tips for safe driving.

Pioneer State Mutual Insurance Company

Pioneer State Mutual only insures drivers in Michigan and uses independent agents, allowing for one-on-one guidance to give drivers the best coverages. They are headquartered in Flint with agents across the state. Aside from underwriting car insurance, Pioneer State Mutual focuses on helping the community and contributes efforts to many organizations such as the American Red Cross, Food Bank of Eastern Michigan and the Salvation Army. 

Liberty Mutual Group

A national insurer, Liberty Mutual began offering insurance in Michigan in 1919. Liberty Mutual Insurance provides discounts to various organizations, employers, and alumni groups. The State Bar of Michigan and the University of Michigan are two examples of groups that get to enjoy favorable discounts through Liberty Mutual. Talk to one of their 300 agents to get more information about what associations belong to the discounted premium group.

Nationwide Mutual Insurance Company

Nationwide is on your side with 30 agents surrounding Detroit, Warren, Sterling Heights, Ann Arbor, and Grand Rapids. Belonging to certain alumni groups and Greek organizations, like Kappa Delta Sorority and Sigma Phi Epsilon, that are partnered with Nationwide, can bring drivers discounts on their insurance rates.

Fremont Insurance Company

Fremont Insurance only writes premiums in the state of Michigan and has been operating for over 130 years. This carrier works with 175 independent agencies and chooses their partnerships based on ethics and community service and involvement in Michigan. Drivers should reach out to an agent to determine the right coverage and discounts they may qualify for.

Michigan Insurance Company

Michigan Insurance Company writes insurance in the state through independent agencies. This allows drivers to have a personal interaction with a knowledgeable agent. This insurer is a member of the Donegal Insurance Group, which underwrites insurance through a number of other affiliates and agencies across the nation.

The Hartford Group

Headquartered in Hartford, Connecticut, The Hartford is an agent-based car insurance company. Any drivers interested in speaking to one central point of contact should consider it in their shortlist of car insurance companies to get quotes at. The Hartford has a program called TrueLane, which is a plugin device that may allow drivers to save up to 25% on their premium if they drive less or well. AARP members can also get special discounted rates that are based on experience.

MAIPF 

The Michigan Automobile Insurance Placement Facility is Michigan’s residual pool for drivers who are not able to purchase auto insurance from insurers. This Facility began in 1943 and has been helping risky drivers throughout the state. 

State Auto Insurance Companies

State Auto has a CustomFit Auto Program that allows drivers to personalize their coverage based on their needs. One unique benefit at State Auto is their Prime of Life feature. If Michigan drivers are at least 45 years of age and have certain auto and home insurance policies, State Auto will offer discounted premiums and free extra coverages. State Auto depends on independent agents around the country, which is helpful for drivers who prefer a more personalized experience. 

Arrowhead General Insurance Agency

Offering auto insurance in six states, Arrowhead is headquartered in California. This company markets and sells its car insurance through a network of independent agents, and has been growing since 1983. Arrowhead is also involved in the local Michigan community, matching employees’ donations to charities like Doctors Without Borders and St. Baldrick’s Foundation.

Wolverine Mutual Insurance Company

Wolverine Mutual is a local auto insurance company that only sells car insurance in Indiana and Michigan. It depends on its network of 100 agents across the state to conduct business and represent it with its prospective policyholders and current insureds. 

SECURA Insurance

SECURA is headquartered in Wisconsin and offers insurance in 12 states. This insurer commits to social responsibility through programs like the Community Commitment Program and the Prairie Restoration Project, and through involvement in committees such as the Green Committee and Wellness Committee. The Prairie Restoration Project is the company’s biggest responsibility; at the main office, SECURA has set aside two acres of land to reestablish the prairie land to provide an ecosystem for the plants and animals in the area. 

Philadelphia Insurance Companies

With a local office in Troy, Michigan, Philadelphia Insurance is actually headquartered in Bala Cynwyd, Pennsylvania. TEAMPHLY is one of the company’s community initiatives to promote a healthy lifestyle with runs and donations to charities like the Ronald McDonald House and the Children’s Hospital of Philadelphia. 

Horace Mann Insurance Company

Based out of Springfield, Illinois, Horace Mann offers insurance primarily to the country’s educators. Teachers, staff, and faculty from the University of Michigan down to the public elementary schools are all eligible for the Educator Advantage, which gives educators additional benefits, like a waiver or discounted deductible for damages on or near school property, with no extra cost. Horace Mann has also developed an automatic payroll system that will allow educators’ car insurance premiums to be deducted directly from their paycheck. This can be quite a useful feature for busy educators, and cuts down on paperwork and reduces the potential for missed payments. 

Northern Mutual Insurance Company

Exclusively serving Michigan since 1889, Northern Mutual is made up of around 50 independent insurance agencies around the state. Northern Mutual Insurance Company is headquartered in Hancock and through independent agents, drivers will be able to have a one-on-one interaction with a representative. 

Allied Insurance

Allied Insurance is headquartered in Iowa with many locations in Michigan. One cool feature Allied offers is AutoWatch. This allows drivers to track their cars with pictures and see live updates while their vehicle is being repaired. Once you hold a policy with Allied, you are part of the optional Allied Rewards program. Signing up for this coverage has a semi-annual cost of $10 that gives drivers access to roadside assistance and Cross Country Perks, which provides discounts on dining, entertainment, pets, and more.

Other Car Insurer in Michigan

Other than the insurers we have addressed above, here are the some other insurers that offer auto policies in Michigan, along with their contact information:

Company Telephone Number
Frankemuth Insurance  (800) 234-4433
Safeco Insurance (800) 332-3226
Esurance Insurance Company (800) 378-7262
National General Insurance (888) 293-5108
The Grange Mutual Casualty Group (800) 422-0550
Titan Insurance  (800) 848-2687
Encompass Insurance Company (800) 588-7400
Hastings Mutual Insurance Company (800) 442-8277
Michigan Millers Mutual Insurance Company (800) 888-1914
Bristol West Insurance Group (888) 888-0080
Metropolitan Group (MetLife) (800) 638-5433
Westfield Group/Westfield Insurance (800) 243-0210
21st Century Group (877) 310-5687
Ameriprise Financial (888) 239-9953
ACE Group (215) 640-1000
National Indemnity Company (866) 720-7861 
Amerisure Insurance Company (800) 257-1900
Travelers Group (888) 695-4625
American Modern Insurance Group (800) 543-2644
SPARTA Insurance (877) 772-7824
American Family Insurance (800) 692-6326

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