Home Home insurance Best home insurance companies Best and cheapest homeowners insurance companies in Michigan Best and cheapest homeowners insurance companies in Michigan The best home insurance company in Michigan is Auto-Owners, based on our analysis of rates and third-party ratings. Shop around to find the best company for your particular needs. View Carriers Please enter valid zip Compare top carriers in your area Written by Chris Kissell Chris Kissell Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. Posted on: July 29, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Many factors determine the price you will pay for homeowners insurance in Michigan. No two homeowners have identical situations, so the best insurer for you might be different from the best insurer for your neighbor. However, on average, Auto-Owners offers the best deal on homeowners insurance in Michigan. You can expect to pay $426 annually – if you buy a policy with Auto-Owners. Cheap isn’t everything, and we analyzed third-party ratings to determine the best home insurance company in Michigan; our rankings found Auto-Owners at the top. Key Takeaways In Michigan, Auto-Owners offers the cheapest homeowners insurance coverage, at $35 a month, or $426 annually. Overall, the best home insurance company in Michigan is Auto-Owners based on our analysis of rates and third-party ratings. Shopping around and comparing quotes is the best way to save on homeowners insurance in Michigan. Our take: The best homeowners insurance in Michigan of 2024 Auto-Owners is the best insurance company in Michigan overall, based on rates, AM Best rating and National Association of Insurance Commissioners (NAIC) complaints data. All of these points show that Auto-Owners is financially stable, has a solid reputation and offers affordable home insurance. Affordability isn’t the only factor to keep in mind when purchasing insurance. It is also important to make sure your policy offers the coverage you need, and that the insurer you choose has a solid reputation for excellent customer service. However, the cheapest home insurance company in Michigan overall is Auto-Owners. Insure.com’s choice: Compare the best homeowners insurance companies in Michigan When purchasing insurance in Michigan, it’s important to compare providers. The right insurance company for someone else might be the wrong insurer for you. Here are our picks for the top insurance companies in Michigan. Company groupAnnual premiumAM Best ratingNAIC ratingOverall rating (out of 5)Auto-Owners$426A++0.335.00Frankenmuth Insurance$1,745B++0.034.81Michigan Farm Bureau$6,265A-0.254.78Automobile Club MI (AAA)$1,498A0.294.65Farmers$2,824A0.543.99The Hanover$3,286A0.503.95State Farm$2,036A++0.953.74 A closer look at the top homeowners insurance companies Auto-Owners Auto-Owners earned a full 5 out of 5 stars to earn its place as the No. 1 company for home insurance in Michigan. Auto-Onwers offers an average rate of $426 annually for home insurance. Among current customers, 86% would recommend Auto-Owners to others for homeowners insurance. Auto-Owners has a 0.33 complaint ratio from the National Association of Insurance Commissioners. It has a top AM Best rating of A++. Frankenmuth Insurance Frankenmuth Insurance lands in second place for Michigan homeowners insurance. It received 4.81 out of 5 stars in Insure.com’s ranking. Frankenmuth’s average annual homeowners insurance rate is $1,745. Frankenmuth Insurance has a 0.03 complaint ratio from the National Association of Insurance Commissioners and an AM Best rating of B++. Michigan Farm Bureau Michigan Farm Bureau is the No. 3 company for home insurance in Michigan, with 4.78 out of 5 stars in Insure.com’s ranking. Homeowners pay an average rate of $6,265 annually for a Michigan Farm Bureau policy. Michigan Farm Bureau has a 0.25 complaint ratio from the National Association of Insurance Commissioners. It has an AM Best rating of A-. Automobile Club MI (AAA) Automobile Club MI (AAA) is the fourth-ranked home insurer in Michigan, earning 4.65 out of 5 stars in Insure.com’s ranking. The average cost of home insurance is $1,498 a year with Automobile Club MI. Automobile Club MI has a 0.29 complaint ratio from the National Association of Insurance Commissioners. It has an AM Best rating of A. Farmers Farmers is the No. 5 home insurance in Michigan with a score of 3.99 out of 5 stars in Insure.com’s ranking. Homeowners in Michigan pay an average of $2,824 annually for coverage with Farmers. Farmers has a 0.54 complaint ratio from the National Association of Insurance Commissioners. Its AM Best rating is an A. How we picked Insure.com’s top-rated home insurance companies We used sample rates from Quadrant Data Services for coverage of $300,000 for both dwelling and liability coverage and a $1,000 deductible. We analyzed more than 20 million quotes from 82 companies. We also gathered AM Best financial stability scores for each insurance company as well as each company’s NAIC complaint ratio, examining how many complaints that company receives from consumers compared to the average. We used these data points to create a score out of five. Only companies for which all three data points are available were included in the comparison. Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Michigan by cityAnn ArborDetroitGrand RapidsSterling HeightsWarrenCheapest home insurance carriers in Michigan While Allstate offers the cheapest insurance nationwide, the cheapest insurer can vary from state to state. Here are the cheapest insurance companies in Michigan. Company groupAnnual premiumMonthly premiumAuto-Owners$426 $35 Automobile Club MI (AAA)$1,498 $125 Frankenmuth Insurance$1,745 $145 State Farm$2,036 $170 Farmers$2,824 $235 The Hanover$3,286 $274 Michigan Farm Bureau$6,265 $522 USAA$2,140 $178 What is the average cost of homeowners insurance in Michigan? The average homeowners insurance cost in Michigan is $2,411. That’s $190 lower than the national average of $2,601. Your rates will vary based on your location within the state and personal factors, including the size and construction of your home. Annual premiumMonthly premiumDifference compared to national avg.$2,411$201$190 less Estimate cost and get homeowners insurance quotes in Michigan Insure.com’s home insurance calculator can help you gather quotes and estimate how much a homeowners insurance policy might cost. The estimates are based on several important factors, such as the amount of coverage you intend to purchase, the deductible you choose and where you live. Homeowners insurance rates by state calculator See how the average annual home insurance rates vary with the options chosen. State AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming Dwelling Dwelling coverage pays for the rebuilding or repair of your physical home structure. Choose an amount that would cover the cost of rebuilding your home. $200,000$300,000$400,000$600,000$1,000,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $100,000 or $300,000 are recommended. $100,000$300,000 Deductible Standard ($1000) Filter Average Annual Home Insurance Rates In Michigan $2,513 Average rate $9,994 Highest rate The estimated highest premium in Michigan $320 Lowest rate The estimated lowest premium in Michigan START SHOPPING NOW Home insurance companies in Michigan Company Average annual rate Auto-Owners $425 Automobile Club MI (AAA) $1,468 Frankenmuth Insurance $1,728 State Farm $2,026 USAA $2,140 Farmers $2,800 The Hanover $3,284 Michigan Farm Bureau $6,232 Things to consider when shopping for homeowners insurance Your mortgage lender will require you to purchase replacement cost homeowners insurance coverage. That means you will have enough coverage to rebuild your home at today’s prices. Standard home insurance policies provide this coverage, but it’s important to make sure the replacement cost calculation is accurate. When shopping for coverage, gathering several quotes from various insurance companies is the best way to find the policy you need at the best possible price. It’s also important to remember that price isn’t everything; check up on the reputation of the insurance company before you buy a policy. Start with our list of the best home insurance companies. The most common natural disasters in Michigan The risk of natural disasters varies from state to state. While it can seem obvious on the surface – California residents worry about wildfires, homeowners in Oklahoma face tornadoes and in Florida hurricanes wreak havoc – the biggest risk may surprise you. According to the Federal Emergency Management Agency (FEMA), the natural disaster most likely to strike in Michigan is Strong wind. Make sure you have the coverage you need in the event of a natural disaster. Risks like floods and earthquakes are not covered by standard home insurance. Natural hazard(s)Expected annual lossStrong windVery High Frequently asked questions Does home insurance cover windstorms in Michigan? Homeowners insurance typically covers wind damage. However, in some states – particularly those vulnerable to damage from hurricanes – your homeowners policy might have a separate deductible for storms such as hurricanes or tropical storms. These deductibles are often much higher than the deductible that applies to the rest of your homeowners insurance coverage. Michigan doesn’t allow separate deductibles for hurricanes and windstorms. In some cases, windstorm coverage has to be purchased separately; make sure to ask when you buy a policy. Do I need flood insurance in Michigan? If you live in a high-risk flood zone in Michigan, you need to purchase flood insurance. A standard homeowners insurance policy does not cover damage from floods. You can check your flood zone on FEMA’s flood maps. About 90% of all natural disasters include flooding, according to the federal government’s National Association of Insurance Commissioners, so all homeowners should consider flood insurance. How can I save on homeowners insurance? The best way to save on homeowners insurance is to shop around and compare quotes from a handful of insurance companies. That way, you can find the coverage you need at the best possible price. Raising your deductible can also lower your premium costs. However, remember that if you file a claim, you will have to pay your deductible in full before the insurance company will begin to reimburse you for the claim. Most insurance companies also offer many different types of discounts to eligible policyholders. For example, one way to save is to bundle your policies by purchasing more than one type of insurance with the same insurance company. Another way to save money is to install smoke detectors and security systems, says Theresa Breunig-Silbernagel, head of strategy and experience at Main Street America Insurance. “Smart home systems such as motion sensors, video doorbells and water leak sensors will send you an alert on your cell phone so you can handle the issue before it becomes a real problem,” she says. “Often, these installed devices can result in discounts.” Methodology Insure.com commissioned home insurance rates from Quadrant Data Services in all 50 states as well as Washington, D.C. with coverage levels of $300,000 for dwelling and liability and with a $1,000 deductible. Average rates were calculated using quotes from 82 insurance companies. To rank insurance companies, we used the average rate in the state along with NAIC complaint ratios and AM Best financial stability ratings. Natural disaster data was drawn from FEMA’s National Risk Index. Sources National Association of Insurance Commissioners. “Flood Insurance/National Flood Insurance Program (NFIP).” Accessed April 2024. Best and cheapest home insurance in other statesAlabama$3,147/YearAlaska$1,708/YearArizona$2,490/YearArkansas$3,958/YearCalifornia$1,405/YearColorado$4,099/YearConnecticut$2,231/YearDelaware$1,384/YearFlorida$4,419/YearGeorgia$2,302/YearHawaii$613/YearIdaho$1,961/YearIllinois$3,062/YearIndiana$2,991/YearIowa$2,654/YearKansas$4,843/YearKentucky$3,326/YearLouisiana$3,594/YearMaine$1,391/YearMaryland$1,715/YearMassachusetts$1,640/YearMinnesota$2,420/YearMississippi$3,380/YearMissouri$3,543/YearMontana$3,289/YearNebraska$4,800/YearNevada$1,467/YearNew Hampshire$1,221/YearNew Jersey$1,526/YearNew Mexico$2,647/YearNew York$1,816/YearNorth Carolina$2,941/YearNorth Dakota$3,147/YearOhio$2,160/YearOklahoma$5,858/YearOregon$1,755/YearPennsylvania$1,911/YearRhode Island$1,950/YearSouth Carolina$2,678/YearSouth Dakota$3,390/YearTennessee$3,060/YearTexas$3,851/YearUtah$1,802/YearVermont$1,263/YearVirginia$2,151/YearWashington$1,612/YearWashington, D.C.$1,342/YearWest Virginia$1,911/YearWisconsin$1,662/YearWyoming$1,897/YearShow moreChris KissellContributing Researcher  . .Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. 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Most Americans don’t 1/1 Related Articles Average homeowners insurance cost by ZIP code in 2024 By Barry Eitel How to find a homeowners insurance policy By Shivani Gite Condo insurance calculator: Estimate the cost of coverage By Jessica Olson Renters insurance calculator: How much renters insurance costs by state and city in 2024 By Shivani Gite Condo and co-op homeowners insurance: What you should know By Mark Vallet Cost of living calculator By Nupur Gambhir On this page Our take: The best homeowners insurance in Michigan of 2024Insure.com's choice: Compare the best homeowners insurance companies in MichiganA closer look at the top homeowners insurance companiesHow we picked Insure.com's top-rated home insurance companiesCheapest home insurance carriers in MichiganWhat is the average cost of homeowners insurance in Michigan?Estimate cost and get homeowners insurance quotes in MichiganThings to consider when shopping for homeowners insuranceThe most common natural disasters in MichiganFrequently asked questionsMethodologySources ZIP Code Please enter valid ZIP See rates