Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 11, 2020

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Key takeaways...

  • Pioneer State Mutual locally owned and operated since 1908
  • Auto-Owners Insurance was established in 1916
  • Progressive is a nationally accredited insurance company

Searching for the best auto insurance rates and the overall best Michigan car insurance companies can be a daunting task. There are so many companies out there all boasting the best insurance rates. That is why we collected information on the top 10 Michigan car insurance companies.

Comparing insurance companies’ best rates, overall customer satisfaction, and customer service easy, thanks to the internet. When searching for the best car insurance company to fit your insurance needs, a three-prong, custom approach works best.

The three prongs include best rates, best coverage, and overall customer satisfaction. When comparing companies and prices of policies, this three-prong approach will serve as a guide in making the best choice for you. Find affordable car insurance quotes for FREE from the best Michigan auto insurance companies. Enter your ZIP code above before learning more about the top Michigan auto insurance companies.

Table of Contents

Best Michigan Car Insurance Rates

The lowest car insurance rates do not always reflect the best policy. Compare the price of the policy to the coverage it offers.

Then, compare the policy quote with a variety of companies. Compare why a rate is higher and what coverage that might include. Determine your personal needs before locking into any rate.

The creditworthiness of car insurance companies is also something important to some drivers. A.M. Best Rating is a site that grades insurance companies on their creditworthiness. For example, Michigan’s Millers’ A.M. Best Rating is an “A” and Pioneer State Mutual’s rating from A.M. est is “A,” as well.

Additionally, some car insurance companies offer low-income auto insurance in Michigan, which could be helpful to those who believe they can’t afford car insurance in Michigan.

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Overall Customer Satisfaction

To compare the overall customer satisfaction, look at other company’s customer reviews, which is normally found on their website. This will give you an idea of the overall customer satisfaction. J.D. Power’s car insurance ratings and ratings from similar agencies and associates is a good place to start when looking for further verification of customer care.

Below are the top 10 car insurance companies in Michigan, based on the lowest rates, best coverage, and overall customer satisfaction. Read on for Michigan Millers insurance reviews and more — all the information you need.

CompanyRanking
Auto-Owners Insurance Company1
21st Century Insurance2
Hastings Mutual Insurance Company3
Progressive Michigan Insurance Company4
Citizens Insurance Company of the Midwest5
Wolverine Mutual Insurance Company6
Foremost Insurance Group7
Frankenmuth Insurance Company8
Michigan Millers Mutual Insurance Company9
Pioneer State Mutual Insurance Company10
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The Top 10 Michigan Auto Insurance Companies List

The following are some of the best car insurance companies in Michigan. Read on if you want the cheapest auto insurance.

1. Auto-Owners Insurance Company

Auto-Owners insurance company has been in business since 1916. They provide custom car insurance quotes and design coverage that is specifically tailored to the client’s needs.

  • J.D. Powers and Associates “highest in overall satisfaction…” award two years in a row.
  • J.D. Powers and Associates rating of, “Better than most.” in 2010.
  • Pays out the highest percentage of dollars in claims (stated by customer surveys.)
  • Among the lowest in premium costs among the competition.
  • Very few complaints on both the website and customer surveys.

Keep reading for information on 21st Century.

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2. 21st Century Insurance

21st Century Insurance is focused primarily on giving the customer the same service as other companies for less money. 21st Century is a division of the Farmers Insurance Group and has been in business 82 years.

  • Very few complaints
  • Among the lowest premiums
  • High focus on customer service

Next up is Hastings Mutual Insurance Company.

3. Hastings Mutual Insurance Company

Hastings Mutual Insurance has been a local business to Hasting, Michigan since 1885. Hastings Mutual strives to be a small, hometown agency with a strong financial backing through agency connections.

  • High customer service ratings consistently, throughout the years
  • Quality, local customer service
  • 2010 A.M. Best Company rating of an A+
  • Agent networking offers unparalleled service and pricing

Progressive is a popular insurance company in Michigan, as well.

4. Progressive Michigan Insurance Company

Progressive Insurance company is a nationally accredited company with a strong financial backing. The Michigan division has 10 locations throughout both Livonia and Sterling Heights and offers local assistance for Michigan policyholders.

  • 24/7 Claims department
  • Many custom policy options
  • High customer satisfaction rate

Keep reading to learn about Citizens Insurance Company of the Midwest.

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5. Citizens Insurance Company of the Midwest

Citizens Insurance company is a private insurance company, established in 1995. Citizens insurance is located in Howell, Michigan and offers one location to serve the West Michigan area.

  • High customer satisfaction
  • Custom rates
  • Local customer service
  • High overall price and quality satisfaction rating

Next, learn about Wolverine Mutual Insurance Company.

6. Wolverine Mutual Insurance Company

Wolverine Mutual is a local company, located in Dowagiac, Michigan. Wolverine Mutual has been in business since 1917 and has over 45,000 policyholders. The agents are independent, allowing for the best rates and coverage. Wolverine Mutual in Dowagiac, MI is one of the locations you can visit.

  • Locally owned and operated
  • Custom written policies
  • High customer service rating
  • High overall customer satisfaction rating

Now let’s turn to Foremost Insurance Group.

7. Foremost Insurance Group

Foremost Insurance Group has been in business since 1952 and has over two-million policyholders. Each policyholder has a custom designed insurance policy to fit their own particular needs.

  • High overall customer satisfaction rating
  • High customer service rating
  • 24/7 claim reporting
  • Flexible payment options

Frankenmuth Insurance Company is up next.

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8. Frankenmuth Insurance Company

Frankenmuth Insurance Company was founded in 1868 and the automobile division was founded in 1921. Located in the historical town of Frankenmuth, Michigan, the number one goal of Frankenmuth Insurance is to fulfill and exceed their customer’s expectations. Frankenmuth car insurance in MI is some of the most affordable.

The Frankenmuth insurance phone number is 1-989-652-6121. Frankenmuth insurance complaints can be viewed on their BBB page. Is there Frankenmuth Insurance roadside assistance? Yes, they offer 24/7 roadside assistance.

  • “A” rating by A.M. Best
  • Local customer service
  • High overall customer service rating
  • High overall customer satisfaction rating

A Michigan Millers Mutual Insurance company review is next.

9. Michigan Millers Mutual Insurance Company

Michigan Millers Mutual Insurance Company was established in 1881 and is located in Lansing, Michigan. The Michigan Millers A.M. Best rating is “A” Excellent. 

Because this company was founded by a group of insurance holders who were unhappy, they are especially committed to providing top quality service and for their customers to be beyond satisfied.

  • 24-hour roadside assistance
  • High overall customer satisfaction
  • Locally owned and operated

The last on our list is Pioneer State Mutual Insurance Company.

10. Pioneer State Mutual Insurance Company

Pioneer State Mutual Insurance Company is a Michigan-based company that has been in business since 1908. With their network of independent contractors, Pioneer has been faithfully offering Michigan residents the best insurance rates and the best customer service on their automobiles. Look at Pioneer’s BBB page to learn more about any Pioneer State Mutual insurance complaints.

The Pioneer State Mutual A.M. Best rating  is “A+”Superior.

  • High customer service rating
  • Locally owned and operated since 1908
  • Independent agents networking together for the best price and policy options

Now that you know what the top 10 car insurance companies in Michigan are, find out how much insurance is required in Michigan.

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How much car insurance is required in Michigan?

Car insurance requirements differ from state-to-state, so when determining the right insurance company it’s best to first check the requirements in your state. Additionally, it’s important to inform yourself about the driving laws specific to Michigan. The current car insurance requirements in Michigan can be found below:

  • Min of $20,000 bodily injury liability per person
  • Min of $40,000 bodily injury liability per accident
  • Min of $10,000 of property damage liability per accident outside the state
  • Additionally, personal injury protection, of PIP, is required

In conclusion, you can see there are many good, quality insurance companies that offer a wide variety of services and price points. There are also many other insurance companies not listed that you may want to consider, including GEICO, USAA, Metlife, Progressive and more. Below is a chart of the average car insurance rates from some of these companies.

Michigan Car Insurance Rates
CompanyAverage Annual Rate
USAA$3,527.82
Progressive$4,478.83
Nationwide$4,913.53
Farmers$5,032.60
GEICO$6,293.53
Travelers$7,619.24
State Farm$13,319.69
Liberty Mutual$18,200.69
Allstate$20,810.32
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As you can see, USAA offers the lowest rates while Allstate offers the highest. However, when comparing car insurance policies, be sure to use the 3-prong approach: best rates, best coverage, and overall customer satisfaction.

Be sure to identify your specific needs and desires in all three of these areas before comparing various companies. With a bit of research and planning, you will be able to find the best insurance company and policy to fit your specific auto insurance needs.

Now that you know the top 10 car insurance companies in Michigan, find cheap car insurance quotes with our comparison tool. Enter your ZIP code to get started for FREE.