Auto Insurance Companies in Michigan
Auto Insurance Companies in Michigan
Find Cheap Auto Insurance Quotes in Michigan
In Michigan, drivers can choose a car insurance policy from dozens of insurers. Picking an auto insurer is a complex choice. You have to decide if you want a large, national insurer or an independent agent. Cost and coverage are also important. And then there are the extras — roadside assistance, community involvement, discounts, rewards and more. Compare the top 24 insurers licensed in Michigan — both local and national.
State Farm is the most popular insurer in Michigan, based on the amount of business it underwrites. It also has more than 300 agents across the state. In Michigan, State Farm offers a No Dependent Discount for drivers that don't have dependents under their policy.
State Farm also has a Wage Loss Waiver. If drivers or members of the family are 60 or older and not working, they are unable to receive work loss benefits since they don't have income. The Wage Loss Waiver eliminates those work loss benefits and saves money on a personal injury protection (PIP) coverage premium.
AAA/Michigan Auto Club
AAA insures the second highest number of cars in Michigan. To be part of Michigan’s Auto Club, there is a membership fee. It can cost anywhere from $52 to $115 per year, depending on whether it is a basic, plus or premier membership. To add family members, there is an associate fee from $14.50 to $68, again based on the tier of membership and any promotional discounts at the time.
Having a AAA membership gives drivers access to roadside assistance, special discounts and savings on travel. For example, the Universal Orlando Resort deal is the most popular. It gives members savings at Universal Orlando — which can be a warm departure from Michigan's winter climate.
Progressive Service Centers are located in Livonia and Sterling Heights. These two full-service locations can help drivers resume their lives quickly after an incident by providing a rental car and a full staff of claims and repair personnel.
At Progressive, the Name Your Price tool filters all of the company's Michigan insurance rates based on cost, so drivers can see their options.
Another tool specific to Progressive is Snapshot, an optional program that uses a mobile app or a device that is plugged into drivers’ cars to base drivers’ premiums on how well or much they drive.
With over 150 agents in various cities, Allstate is the fourth largest insurer in Michigan.
A popular tool at Allstate is Drivewise. This mobile app rewards motorists for being smart drivers with savings and Allstate Rewards points, which can be redeemed for offers, sweepstakes and discounts.
The concept of a rewards program is rather rare among car insurers, so Allstate shines in this regard.
Star Driver is another app from Allstate. It is geared toward parents and their teen drivers to set expectations around driving, and it alerts parents when teens exceed those limits.
The Hanover offers a number of plans depending on the amount or level of coverage that drivers need, ranging from Platinum Auto plans to the Connections Auto plan. In Michigan, there are regional offices in Howell, Grand Rapids and Maccabees Center.
Drivers interested in The Hanover should look to an independent agent for guidance when picking coverage, getting a quote and learning more about The Hanover policies.
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 the Juvenile Diabetes Research Foundation (JDRF). Members of Farm Bureau receive benefits for:
- Car rentals
- Prescription drugs
- Hotel stays
Farm Bureau has recently launched some changes to its website to provide more information to drivers who want 24/7 access.
Only offered to teachers, staff and professors of educational institutions, Meemic offers benefits geared toward educators, which is great news for personnel at the Michigan Department of Education as well as educators at Michigan universities. 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 Meemic's auto insurance plan. Additionally, the Meemic Foundation is a nonprofit organization, sponsored by Meemic, that offers grants for classroom projects to inspiring educators.
While Geico is predominantly an online auto insurance company, it does station a few agents on the ground in certain states. In Michigan, however, there are no Geico agents, and the option of getting a car insurance quote online is not available. If Michigan drivers want to insure with Geico, they'll have to go through the customer service call center or send an email to [email protected] to reach a representative who will mail an application for car insurance to the driver's home. It's an extra step for consumers in the Great Lakes State.
USAA is a proud insurer of military members, veterans and their families. Special discounts that USAA offers include the Military Installation Discount and the Family Discount. The Military Installation Discount allows drivers to save on their comprehensive coverage when their vehicles are stored on a military base. The Family Discount is for drivers who continue insuring with USAA if their parents were insured with USAA.
Personnel stationed at the Selfridge Air National Guard Base and the Detroit Arsenal Army Base, to name a few places, should definitely get quotes from USAA.
USAA tends to have lower rates compared to other companies, and we rank it as one of our top companies for military members and their families.
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. Drivers who need to report a claim can call their agent, and their agent will file the claim to headquarters. With headquarters so close within the state, processing or mail time may be reduced.
Farmers’ Michigan state office is in Novi, with other agents located across the state. A unique discount at Farmers is the Youthful Driver discount. This allows policyholders to add a child or grandchild under the age of 25 and receive a discounted premium. Also, Farmers Inner Circle is a rewards program that offers drivers perks and tips for safe driving.
Pioneer State Mutual
Pioneer State Mutual only insures drivers in Michigan and uses independent agents, allowing for one-on-one guidance to give drivers the best coverages. The insurer is 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, the Food Bank of Eastern Michigan and the Salvation Army.
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 Liberty Mutual's 300 agents to get more information about what associations belong to the discounted premium group.
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 and Sigma Phi Epsilon, that are partnered with Nationwide can provide drivers discounts on their insurance rates.
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 its partnerships based on ethics and community service 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 Co. 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.
Headquartered in Hartford, Conn., 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 short list of car insurance companies.
The Hartford has a program called TrueLane, which is a mobile app that may allow drivers to save up to 25% on their premium if they drive well. AARP members can also get special discounted rates that are based on experience.
The Michigan Automobile Insurance Placement Facility is Michigan’s residual pool for drivers who are not able to purchase auto insurance from traditional insurers. This facility began in 1943 and has been helping risky drivers throughout the state.
State Auto has a CustomFit Auto Program that allows drivers to personalize their coverage based on their needs. One unique benefit of State Auto is its Prime of Life feature. If Michigan drivers are at least 45 years old 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.
Wolverine Mutual is a local auto insurance company that only sells car insurance in Indiana and Michigan. It has a network of 100 agents across the state.
Secura is headquartered in Wisconsin and offers insurance in 12 states. This insurer commits to social responsibility through its Community Commitment Program, which gives to nonprofits and community organizations. Secura also prioritizes environmental causes with its Sustainability Committee.
Philadelphia Insurance Cosmpanies
Although it has a local office in Troy, Philadelphia Insurance is actually headquartered in Bala Cynwyd, Pa. TEAMPHLY is one of the company’s community initiatives, and it promotes a healthy lifestyle with events and donations to charities like the Ronald McDonald House and the Children’s Hospital of Philadelphia.
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 program, which provides additional benefits, like a waiver or discounted deductible for damage 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, as it cuts down on paperwork and reduces the potential for missed payments.
Exclusively serving Michigan since 1889, Northern Mutual is made up of around 50 independent insurance agencies around the state. Northern Mutual Insurance Co. is headquartered in Hancock, and through independent agents, drivers will be able to have a one-on-one interaction with a representative.
Other car insurance companies in Michigan
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