Choosing the right auto insurance company in Michigan is about more than just price—it’s about reliable coverage, strong claims service, and long-term stability. Since Michigan is a
no-fault state, your insurance must cover medical expenses and other benefits no matter who caused the accident. That makes choosing the right provider even more important.
Below, we’ll cover three key coverages to look for in your policy and then highlight the
five best auto insurance companies in Michigan that balance affordability with quality service.
Key Coverages You Shouldn’t Skip
Before comparing insurance companies, here are three essential coverages every Michigan driver should consider:
- Unlimited Personal Injury Protection (PIP) – This ensures your medical expenses are fully covered after an accident. In a state like Michigan, this is the gold standard of protection.
- Bodily Injury Liability (250/500) – At least $250,000 per person and $500,000 per accident is a strong starting point. Higher limits provide even more protection.
- Uninsured & Underinsured Motorist Coverage (250/500) – Make sure your liability limits are matched here. It protects you if the other driver has little or no insurance.
For some drivers, it may also make sense to explore an
umbrella policy for even higher liability protection.
The 5 Best Auto Insurance Companies in Michigan
Here are the carriers most Michigan drivers should consider in 2025 (in no particular order):
1. Auto-Owners Insurance
A Michigan favorite, Auto-Owners is known for excellent claims handling and financial strength. They also provide competitive rates for families and offer bundling discounts with home and renters insurance.
2. Frankenmuth Insurance
Another regional carrier with deep Michigan roots, Frankenmuth offers strong customer service, customizable coverages, and stable premiums year after year.
3. Cincinnati Insurance
Highly rated for financial strength, Cincinnati Insurance is a great option for drivers looking for personalized coverage and long-term reliability.
4. Citizens-Hanover
A trusted regional company with strong claims support. They’re especially good for bundling multiple policies to maximize discounts.
5. Progressive
If you’re a younger driver or have some tickets or violations, Progressive is often the most flexible choice. They also offer strong digital tools, competitive pricing, and telematics programs that can help lower costs.
Why These Companies Stand Out
All five of these companies are:
- Financially Stable – Strong ratings mean they can pay claims, even large ones.
- Reliable in Claims – Quick, fair handling when accidents happen.
- Customizable – Options to tailor coverage and deductibles to your needs.
- Affordable – Discounts for bundling and safe driving can make policies surprisingly budget-friendly.
Choosing a financially strong and service-focused company can also help reduce drastic premium increases over time.
Final Thoughts
When choosing auto insurance in Michigan, don’t just chase the lowest premium. Focus on companies that balance
affordability, financial strength, and reliable claims service.
Auto-Owners, Frankenmuth, Cincinnati Insurance, Citizens-Hanover, and Progressive are five of the best options to consider. But the right choice will depend on your driving history, financial situation, and whether you want to bundle policies.
