| Age Range | Best Insurance Company | Average Annual Comprehensive Premium | Why Are They the Best? | FIXD Insurance Rating (Out of 5) |
| 18-24 | Progressive | $2550 | Lowest rate and adequately satisfied customers | 3.6 |
| 25-34 | Auto-Owners | $2100 | Highest customer satisfaction of companies tied for lowest rate | 4.6 |
| 35-44 | State Farm | $900 | Lowest rate and happy customers | 3.9 |
| 45-54 | Progressive | $2400 | Lowest rate with adequately satisfied customers | 3.6 |
| 55-64 | Hanover | $900 | Excellent customer service and lowest rates | 4.6 |
| 65 or older | Auto-Owners | $300 | Outstanding customer service and lowest premiums | 4.6 |
Have your car insurance premiums gone up recently? Is your car insurance company lacking in the customer service department? Got a teenager who’s ready to drive and needs to be added to the policy?
The great news is that we have found several insurance companies to recommend with affordable premiums and happy customers.
Keep reading to get the inside scoop on what car insurance companies FIXD users like best!
Finding quotes for car insurance is such a hassle when you have to provide so many personal details. Make it easier for yourself by finding out which companies you should research! Throughout the article, we’ll also offer car insurance tips from an independently licensed insurance agent.
Pro-tip
In addition to finding out which companies to ask about, work with an independent insurance agent to shop for policies. That way, you only have to give your information once to obtain multiple quotes to compare!
Michigan’s Best Car Insurance Companies
Michigan’s best auto insurance companies include Hanover, Auto-Owners, USAA, State Farm, and Progressive according to data from a survey of FIXD users in Michigan. Data includes the car insurance rates, customer satisfaction ratings, and how fairly claims were resolved.
We recommend getting car insurance quotes from multiple insurance carriers so that you can find the best deal for your situation.
To find out which companies to recommend in Michigan, we asked FIXD users about what they paid for auto insurance and multiple customer satisfaction indicators like response time, quality of the policy, and customer support. You can read more about our methodology later on.
Even though Michigan is a no-fault state, we recommend having comprehensive auto insurance for instances like theft or when the other driver doesn’t have to pay for the full amount for damages.
| Best Car Insurance Companies Michigan | Why? | FIXD User Average Rating(Out of 5) |
| Hanover | Lowest average premiums and tied for highest customer satisfaction | 4.6 |
| Auto-Owners | Competitive average premiums and tied for highest customer satisfaction | 4.6 |
| USAA | Competitive premiums and excellent customer service | 4.3 |
| State Farm | Competitive premiums and good customer service | 3.9 |
| Progressive | Competitive premiums and adequate customer service | 3.6 |
Michigan’s Best Overall Insurance Company: Hanover
Hanover is the best overall insurance provider for residents of Michigan. Hanover is tied for the best customer service, and the company has the lowest average rates for comprehensive coverage across all age groups.
| Company Info | Hanover |
| Founded | 1852 |
| Headquarters | Worchester, MA |
| Phone Number | (claims) 800-628-0250 |
| Website | https://www.hanover.com/individuals/products/auto-insurance |
| Products | For individuals: home, renters, auto, umbrella policies, recreational vehicles, and boat insurance |
| Population Served | Personal insurance available in Michigan, Arkansas, Connecticut, Georgia, Illinois, Indiana, Louisiana, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, Tennessee, Vermont, Virginia, Wisconsin |
Average Years as a Customer at Hanover: 10.3 years is the average length of time that FIXD survey participants with Hanover insurance policies have been Hanover customers.
How many customers hear back within 10 minutes? 100% of customers hear back within ten minutes of contacting Hanover, according to FIXD users in Michigan.
How quickly are Claims Resolved? At least half of all claims were resolved within just two weeks, according to Hanover customers who had filed a claim with the car insurance company and participated in the FIXD survey.
Customer Satisfaction with Claims: 100% of claims resolutions felt fair, according to Hanover customers who had filed claims with the company and participated in the FIXD survey.
How to sign up with Hanover: You need to work with an independently licensed agent to get a personal policy with Hanover. You may find an agent using Hanover’s agent lookup tool.
Popular Hanover Discounts according to FIXD Survey participants in Michigan:
- 75% bundle their home and auto insurance for discounts
- 50% use an anti-theft device discount
- 25% have a discount for multiple cars on the policy
- 25% qualify for a safe driver discount
Hanover Average Annual Rates in Michigan
| *Hanover Average Annual Rates for Comprehensive Coverage | ||
| Average Overall | Male | Female |
| $1500 | $900 | $2700 |
Michigan’s Best Car Insurance Companies by Age Groups
Car insurance companies offer lower rates and target their marketing to specific demographics. Age groups are a frequently used way to cater to particular demographics, but companies may also use risk factors or location.
Because age groups are one of the most common ways that car insurance companies cater to specific populations with lower rates and marketing campaigns, we analyzed data from FIXD users by age group.
You can often find better rates and services if you select a company that caters to your age group. Here is a list of the best insurance companies in Michigan based on different ages:
The Best Car Insurance Company for 18 to 24-Year-Olds in Michigan: Progressive
Progressive is the best provider for 18 to 24-year-olds because of its competitive rates and adequate customer service. Even though teens are typically the most expensive age group of drivers to insure, Progressive’s rates for teens are not much higher than their average rates for everyone.
If you’re already a Progressive customer, or you want to compare multiple options, you may consider quotes from some of the other insurance companies in our rankings.
|
Company Info |
Progressive |
|
Founded |
1937 |
|
Headquarters |
Mayfield, OH |
|
Phone Number |
1-888-671-4405 |
|
Website |
|
|
Products |
Auto, home, rental, personal items, umbrella, and other personal insurance |
|
Population Served |
All 50 states in the USA and the District of Columbia |
How many customers hear back within 10 minutes? 80% of customers hear back from Progressive within ten minutes of contacting the company according to FIXD users in Michigan.
How quickly are Claims Resolved? Two-thirds of claims are resolved in under two weeks according to Progressive’s customers who had filed an insurance claim and participated in the FIXD survey in Michigan.
Customer Satisfaction with Claims: 82% of claim resolutions felt fair according to FIXD users in Michigan who had filed a car insurance claim with Progressive.
How to sign up with Progressive: You can sign up using an independent agent, calling general customer service at 1-888-671-4405, or getting a quote online.
Popular Discounts in Michigan with Progressive, according to FIXD users:
- 74% qualify for a safe driver discount
- 46% have a discount for an anti-theft device
- 41% have a discount for multiple cars on the policy
- 21% bundle their home and auto insurance
- 13% bundle their renters and auto insurance
- 8% qualify for a good student discount
- 8% qualify for a military discount
- 5% qualify for a green vehicle discount
Here is a list of the cheapest car insurance companies in Michigan for 18 to 24-year-olds:
|
Car Insurance Company |
Average Annual Premium for Comprehensive |
|
Progressive |
$2550 |
|
Liberty Mutual |
$3300 |
Pro Tip: Don’t forget to talk to your insurance agent about renters insurance when you move out on your own. This insurance can protect your personal belongings and liability as a renter. It can also be bundled with auto insurance.
The Best Car Insurance Company for 25 to 34-Year-Olds in Michigan: Auto-Owners
Michigan’s best car insurance company for adults aged 25 to 34 is Auto-Owners. Auto-Owners is tied with Progressive for the lowest rates for this age group, but Auto-Owners has significantly better customer satisfaction according to FIXD users in Michigan.
|
Company Info |
Auto-Owners |
|
Founded |
1916 |
|
Headquarters |
Lansing, MI |
|
Phone Number |
800-346-0346 |
|
Website |
|
|
Products |
Home, Car, Life, and Business Insurance |
|
Areas Served |
26 states including Michigan, Alabama, Arkansas, Arizona, Colorado, Georgia, Florida, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Minnesota, Missouri, North Carolina, North Dakota, Nebraska, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia and Wisconsin |
How many customers hear back within 10 minutes? 100% of FIXD users in Michigan heard back from Auto-Owners within ten minutes of contacting the insurance company.
How quickly are Claims Resolved? 100% of claims were resolved within two weeks according to FIXD users in Michigan who are Auto-Owners policyholders and had filed a claim.
Customer Satisfaction with Claims: 100% of claim resolutions felt fair according to FIXD users in Michigan who are Auto-Owners policyholders and had filed a claim.
How to sign up with Auto-Owners: You can sign up with Auto-Owners through an independent agent. Use Auto-Owners’ online agent lookup tool to find one.
Popular Discounts with Auto-Owners policyholders in Michigan according to FIXD users:
- 62% have a discount for multiple cars on the policy
- 54% qualify for a safe driver discount
- 38% bundle their home and auto insurance
- 23% have a discount for an anti-theft device
- 15% qualify for a good student discount
- 8% bundle their renters and car insurance
Here is a list of the cheapest car insurance companies in Michigan for 25 to 34-year-olds according to the FIXD Survey:
|
Car Insurance Company |
Average Annual Premium |
|
Auto-Owners |
$2100 |
|
Progressive |
$2100 |
|
State Farm |
$3900 |
Pro Tip: Zip Codes can make a huge difference in auto insurance premiums. When you’re house or apartment hunting, compare insurance rates for different neighborhoods. You may find that a nicer neighborhood with less crime will save you money on car insurance.
The Best Car Insurance Company for 35 to 44 -Year-Olds in Michigan: State Farm
The best car insurance provider for most 35 to 44-year-olds in Michigan is State Farm. Michigan FIXD users in this age group reported the lowest average comprehensive rates with State Farm, and the company has good customer service.
|
Company Info |
State Farm |
|
Founded |
1922 |
|
Headquarters |
Bloomington, IL |
|
Phone Number |
(800)-782-8332 |
|
Website |
|
|
Products |
Auto Insurance, Home Insurance, Liability, Life Insurance, and Small Business Insurance |
|
Population Served |
All 50 states within the United States and the District of Columbia |
How many customers hear back within 10 minutes? 75% of State Farm customers hear back within ten minutes according to participants in the Michigan FIXD survey.
How quickly are Claims Resolved? 89% of claims are resolved within two weeks of the claim being filed according to FIXD users in Michigan with experience filing claims with State Farm.
Customer Satisfaction with Claims: 76% of claim resolutions through State Farm felt fair according to FIXD users in Michigan with experience filing a claim with State Farm.
How to sign up with State Farm: The best way to sign up with State Farm is to work with an agent. You can find one near you using State Farm’s agent lookup tool. You may also start a quote on your own using the State Farm website.
Popular Discounts with State Farm according to FIXD users in Michigan:
- 76% qualify for a safe driver discount
- 46% have a discount for multiple cars on the policy
- 44% have an anti-theft device discount
- 37% bundle their renters and car insurance through State Farm
- 32% bundle their home and auto insurance with State Farm
- 5% qualify for a good student discount
Here is a list of the cheapest car insurance companies in Michigan for 35 to 44-year-olds:
|
Car Insurance Company |
Average Annual Premium |
|
State Farm |
$900 |
|
AAA |
$1800 |
|
Progressive |
$3000 |
Pro Tip: When you bundle insurance products like home and auto insurance, you can purchase additional liability insurance called an umbrella policy that adds additional insurance across the board. Talk to an agent to learn more.
The Best Car Insurance Company for 45 to 54 -Year-Olds in Michigan: Progressive
Michigan’s best car insurance company for 45 to 54-year-olds is Progressive. Progressive offers the lowest rate and provides adequate customer service, according to FIXD users. It’s also the lowest rate for teen drivers, making it convenient for households who need to add a teen soon.
|
Company Info |
Progressive |
|
Founded |
1937 |
|
Headquarters |
Mayfield, OH |
|
Phone Number |
1-888-671-4405 |
|
Website |
|
|
Products |
Auto, home, rental, personal items, umbrella, and other personal insurance |
|
Population Served |
All 50 states in the USA and the District of Columbia |
How many customers hear back within 10 minutes? 80% of customers hear back from Progressive within ten minutes of contacting the company according to FIXD users in Michigan.
How quickly are Claims Resolved? Two-thirds of claims are resolved in under two weeks according to Progressive’s customers who had filed an insurance claim and participated in the FIXD survey in Michigan.
Customer Satisfaction with Claims: 82% of claim resolutions felt fair according to FIXD users in Michigan who had filed a car insurance claim with Progressive.
How to sign up with Progressive: You can sign up using an independent agent, calling general customer service at 1-888-671-4405, or getting a quote online.
Popular Discounts in Michigan with Progressive, according to FIXD users:
- 74% qualify for a safe driver discount
- 46% have a discount for an anti-theft device
- 41% have a discount for multiple cars on the policy
- 21% bundle their home and auto insurance
- 13% bundle their renters and auto insurance
- 8% qualify for a good student discount
- 8% qualify for a military discount
- 5% qualify for a green vehicle discount
Here is a list of the cheapest car insurance companies in Michigan for 45 to 54-year-olds:
|
Car Insurance Company |
Average Annual Premium |
|
Progressive |
$2400 |
|
AAA |
$2700 |
|
State Farm |
$3000 |
The Best Car Insurance Company for 55 to 64 -Year-Olds in Michigan: Hanover
The best auto insurance company for adults aged 55 to 64 in Michigan is Hanover. Hanover offers outstanding customer service and the lowest average rate for comprehensive coverage in Michigan according to FIXD users in the state.
|
Company Info |
Hanover |
|
Founded |
1852 |
|
Headquarters |
Worchester, MA |
|
Phone Number |
(claims) 800-628-0250 |
|
Website |
|
|
Products |
For individuals: home, renters, auto, umbrella policies, recreational vehicles, and boat insurance |
|
Population Served |
Personal insurance available in Michigan, Arkansas, Connecticut, Georgia, Illinois, Indiana, Louisiana, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, Tennessee, Vermont, Virginia, Wisconsin |
How many customers hear back within 10 minutes? 100% of customers hear back within ten minutes of contacting Hanover, according to FIXD users in Michigan.
How quickly are Claims Resolved? At least half of all claims were resolved within just two weeks, according to Hanover customers who had filed a claim with the car insurance company and participated in the FIXD survey.
Customer Satisfaction with Claims: 100% of claims resolutions felt fair, according to Hanover customers who had filed claims with the company and participated in the FIXD survey.
How to sign up with Hanover: You need to work with an independently licensed agent to get a personal policy with Hanover. You may find an agent using Hanover’s agent lookup tool.
Popular Hanover Discounts according to FIXD Survey participants in Michigan:
- 75% bundle their home and auto insurance for discounts
- 50% use an anti-theft device discount
- 25% have a discount for multiple cars on the policy
- 25% qualify for a safe driver discount
|
Car Insurance Company |
Average Annual Comprehensive Premium |
|
Hanover |
$900 |
|
Progressive |
$1500 |
|
State Farm |
$1800 |
|
Farmers Insurance |
$1800 |
|
Auto-Owners |
$2500 |
|
USAA |
$2500 |
The Best Car Insurance Company for 65+-Year-Olds in Michigan: Auto-Owners
The best auto insurance company for seniors in Michigan is Auto-Owners because the insurance carrier has the lowest average rate for this age group and outstanding customer service. Auto-Owners also has a reputation for resolving claims fairly according to FIXD users in Michigan.
|
Company Info |
Auto-Owners |
|
Founded |
1916 |
|
Headquarters |
Lansing, MI |
|
Phone Number |
800-346-0346 |
|
Website |
|
|
Products |
Home, Car, Life, and Business Insurance |
|
Areas Served |
26 states including Michigan, Alabama, Arkansas, Arizona, Colorado, Georgia, Florida, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Minnesota, Missouri, North Carolina, North Dakota, Nebraska, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia and Wisconsin |
How many customers hear back within 10 minutes? 100% of FIXD users in Michigan heard back from Auto-Owners within ten minutes of contacting the insurance company.
How quickly are Claims Resolved? 100% of claims were resolved within two weeks according to FIXD users in Michigan who are Auto-Owners policyholders and had filed a claim.
Customer Satisfaction with Claims: 100% of claim resolutions felt fair according to FIXD users in Michigan who are Auto-Owners policyholders and had filed a claim.
How to sign up with Auto-Owners: You can sign up with Auto-Owners through an independent agent. Use Auto-Owners’ online agent lookup tool to find one.
Popular Discounts with Auto-Owners policyholders in Michigan according to FIXD users:
- 62% have a discount for multiple cars on the policy
- 54% qualify for a safe driver discount
- 38% bundle their home and auto insurance
- 23% have a discount for an anti-theft device
- 15% qualify for a good student discount
- 8% bundle their renters and car insurance
|
Car Insurance Company |
Average Annual Premium |
|
Auto-Owners |
$300 |
|
Hartford |
$900 |
|
AAA |
$1500 |
|
Farmers Insurance |
$1500 |
|
Farm Bureau |
$1800 |
Pro Tip: Hartford is another great choice for seniors in Michigan with outstanding customer service according to Michigan FIXD users. Hartford caters to adults over age 65, so it’s worth getting some quotes from the company to compare.
Research Methodology
Michigan drivers will be pleased to know that we used multiple metrics and took a multifaceted approach to identify the best insurance companies. We only recommended companies in Michigan with low and competitive rates that resolved claims fairly and satisfied customers.
Our survey of FIXD users collected the average miles driven, discounts, and multiple factors of customer satisfaction for us to analyze.
We only included insurance companies with enough respondents to reflect customer satisfaction and a variety of premiums to average. Some insurance companies were not represented for every age band.
Independent Customer Satisfaction Surveys
FIXD used the following information provided by the survey to assess customer satisfaction:
- Preferred method of contacting insurance company and whether or not they heard back within ten minutes or less
- How long respondent had been an auto insurance policyholder with current insurance company
- Insurance provider customer support rating, company rating, policy rating, and then averaged these for an overall rating. Each rating was out of 5 possible points.
- A variety of options for respondents to indicate what they liked and didn’t like about their auto insurance provider.
- Survey questions to collect information about claims data including how long until claim resolution and whether or not the customer felt the claim was resolved fairly.
Finding the Average Car Insurance Rates
In the survey, respondents indicated their gender, age range, average annual miles driven, and discounts in addition to their annual premiums. From there, we were able to find averages and indicate said averages in the article. We focused on comprehensive insurance coverage since that’s what we recommend.
Conclusion
Based on the average premium prices for full coverage, fair claims resolution, and customer satisfaction scores, Michigan residents will want to compare quotes from Hanover, Auto-Owners, Progressive, State Farm, and USAA.
Don’t forget that when you work with an independent agent, you only have to provide your information once to get quotes from more than one company! You can also get tailored advice for your insurance needs.
Interested in more ways to save money on auto expenses?
Consider FIXD, the best diagnostic sensor for your car on the market. You’ll have help identifying codes and making repairs on your own. You can also find recommended mechanics.
Frequently Asked Questions
What is a no-fault state?
Michigan is a no-fault state for auto insurance. That means that in a collision, your insurance policy covers your own vehicle and driver and passenger injuries regardless of which driver is at fault. Likewise, the other driver’s insurance will cover the expenses of the other party.
What Michigan insurance company provides the best service?
Hanover and Auto-Owners provide the best customer service in Michigan. Both companies resolve claims fairly, and FIXD users in Michigan rated both companies as 4.6 out of 5 overall.
What is the cheapest car insurance in Michigan?
On average, the cheapest car insurance companies in Michigan for full coverage are Hanover, Farmers Insurance, and Auto-Owners. These companies have the lowest average premiums for comprehensive coverage according to FIXD users in Michigan.
Jesse Cunningham V is a professional writer and licensed insurance agent. He has worked in the insurance industry in different capacities, starting as a customer service representative and working his way up to an independent agency owner. He is licensed in the states of Maryland and Pennsylvania for Property, Casualty, Life, and Health products. Jesse has worked with many national carriers, including Nationwide, State Farm, Travelers, and Liberty Mutual, and specializes in car and home insurance and health, life, accidental death, and disability insurance. He writes for multiple publications including FIXD and Bauple.com. All articles by Jesse are opinion-based. Speak with your licensed insurance agent about the particulars of your insurance before making any decisions.
