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* Not all vendors have been included in our state cost estimate data. Also, you may notice that some auto insurance companies are listed above those with higher star ratings. This is because our ratings consider national factors, while our ranking specifically looks at which insurers are the best for car insurance in Michigan.


Since 1916, Auto-Owners Insurance has covered drivers, and today the company offers insurance policies to nearly three million customers nationwide. Auto-Owners has more than 47,000 authorized agents in 26 states and is headquartered in Lansing, Michigan.

Auto-Owners Insurance holds an A+ rating and accreditation from the Better Business Bureau (BBB) ​​and an A++ (Superior) rating with AM Best. It has been a Forbes 500 company for over a decade and has received numerous national awards for customer service, quality and superior treatment of employees. The company has an app with high ratings that lets you check the status of a claim, view your insurance card, pay your bill, and more.

Auto-Owners offers all basic types of coverage, plus the following:

  • 24/7 roadside assistance
  • Reimbursement of the rental car
  • Gap coverage

USAA auto insurance is a great choice if you, your spouse, or one of your parents is a current or former military member. During our research, we found that the company offers reasonable prices and positive customer service experiences. Automotive industry rating organizations like JD Power consistently give USAA high marks. In fact, USAA received the highest score for the North Central region in the 2021 JD Power United States Auto Insurance Study.SM.

USAA offers standard coverages as well as additional benefits, including new car replacement, accident forgiveness, rental car reimbursement, towing, and window coverage. The USAA also offers discounts for safe drivers and those taking driving lessons, as well as discounts for active military members who store their vehicles while deployed.

Where USAA really shines is with its customer service. This is an important consideration given the low claims handling ratings of many providers.

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