Country Guide
Best Car Insurance in Michigan (2026)
Michigan has some of the highest car insurance rates in the US due to unlimited PIP. Compare top carriers.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in Michigan
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | State Farm | Agent network | $2,560/yr | — |
| 2 | USAA | Military families | $1,840/yr | — |
| 3 | Progressive | High-risk drivers | $2,780/yr | — |
| 4 | GEICO | Lowest available | $2,320/yr | — |
| 5 | Citizens Insurance | MI-based carrier | $2,480/yr | — |