Michigan Insurance Review

Apr 3, 2025

Apr 3, 2025Car Insurance Writer

Editor’s Rating

3.2 out of 5 rating 3.2 / 5

This review is not provided, commissioned or endorsed by any company. Opinions and ratings are our own.

Michigan Insurance Review Summary

Michigan Insurance is an above average insurance company, earning a 3.2/5 rating from WalletHub editors and good scores from organizations like Better Business Bureau. Michigan Insurance is a property and casualty insurance company that provides full lines of personal and commercial insurance products through independent agencies in the State of Michigan. Michigan Insurance is a member company of the Donegal Insurance Group, a family of property and casualty insurance companies that operates across multiple regions of the United States.

In the sections below, you can learn more about Michigan Insurance and how it fares against popular competitors.

Summary: Michigan Insurance Scores by Review Category

Category	Score
Customer Service & Reviews	10/25
Michigan Insurance Financial Stability	4/4
Michigan Insurance Claims Process	15/15
Michigan Insurance Types of Insurance and Additional Services Offered	5/5
Michigan Insurance Discounts	1/5
Michigan Insurance Transparency	3/5
OVERALL	38/59

Now that you’re familiar with how Michigan Insurance scores in each of our review categories, let’s see how it compares to top competitors in a handful of key areas. Hopefully, this will help you find the best insurance company for your needs.

Michigan Insurance Customer Service & Reviews

Category Rating: 40% (10 out of 25%)

Reviews on WalletHub: 2.3/5
NAIC: 0.00
BBB: A+

Customer service can be difficult to evaluate, but it is an important factor to consider when choosing an insurance company. How helpful an insurer’s customer service department is can affect how you manage your policy, how confident you are in your coverage, and how likely you are to switch carriers. That’s why customer reviews and ratings from watchdog groups can be so revealing. All things considered, Michigan Insurance receives an average score in this category, as it doesn’t offer 24/7 live support.

Michigan Insurance Financial Stability

Category Rating: 100% (4 out of 4)

AM Best: A

When it comes to financial strength, Michigan Insurance has an A rating from AM Best, one of the nation’s leading credit rating agencies for the insurance industry.

Michigan Insurance Claims

Category Rating: 100% (15 out of 15)

Michigan Insurance lets you file claims online or over the phone, which you can reach at 800-877-9006. Michigan accessibility has earned it full marks in this category.

Michigan Insurance Types of Insurance

Category Rating: 100% (5 out of 5)

Automobile Insurance
Homeowners Insurance
Personal Excess Liability (Umbrella) Insurance
Dwelling Fire Insurance
Boat Owners Insurance
Business Owners Insurance
BOP Contractor's Insurance
Commercial Package Policy
Commercial Automobile Insurance
Commercial Liability Umbrella Insurance
Auto Dealers Insurance
Worker's Compensation Insurance
Employment Practices Liability
Liquor Liability Insurance
Contractor’s Errors & Omissions

Michigan Insurance offers a wide variety of insurance options, so it got the highest score possible in this category. Michigan Insurance auto insurance provides coverage for bodily injury and property damage liability to others, as well as physical damage coverage for your vehicle.

Supplemental Michigan Insurance Car Insurance Coverage Options:

Bodily Injury Liability provides coverage as described in your policy if an automobile accident injures other drivers, pedestrians and/or passengers. It also covers legal defence costs associated with these claims.
Property Damage Liability coverage provides protection as described in your policy for automobile accidents that damage the property of others. It also covers legal defence costs associated with these claims.
Uninsured and/or Underinsured Motorist coverages protect as described in your policy you and your family from the cost of an injury in an automobile accident caused by an uninsured or under-insured motorist.

Specialty Types of Michigan Insurance Auto Insurance:

Collision coverage, to cover repair costs from damage caused by an impact with another vehicle or object or the upset of your vehicle.
Other Than Collision (Comprehensive) coverage, for fire, theft, vandalism, glass breakage and other perils.
Towing and Labor coverage, in the event your car is disabled.
Rental Reimbursement coverage, to pay for a rental car following a covered loss to your car.

Michigan Insurance Discounts

Category Rating: 20% (1 out of 5)

Auto insurance Discounts
Good Student Discounts
High Chargeable Accident Thresholds
First Accident Forgiveness Programs
Extra Edge Discounts for Superior Drivers

Michigan Insurance offers 5 discounts, which is not as many as some of its competitors. Since it offers an average number of discounts, Michigan received a low score in this category.

Michigan Insurance Transparency

Category Rating: 60 (3 out of 5)

You can find some, but not all, key information on the Michigan Insurance website quickly and easily, so it gets a mid-score score in the transparency department.

Bottom Line

Michigan Insurance is an above average insurance company that offers a wide variety of coverage options and other benefits to its members. However, Michigan didn’t score well when it comes to customer service and discounts.

Michigan Insurance Car Insurance vs. Competitors

Insurer	Michigan Insurance	Travelers	Liberty Mutual	State Farm
Average Premium*	N/A	$1,246 per year	$1,583 per year	$1,410 per year
Number of Car Insurance Discounts	5	12	13	16
Offers Home Insurance	Yes	Yes	Yes	Yes
Complaints Score (lower is best)	0.00	0.26	0.16	1.93
Editor’s Rating	3.2	3.2	2.4	3.8

*Complaints Score represents the company's overall NAIC rating. Car insurance-specific rating may differ.
*Average annual premiums are based on a variety of driver profiles. Individuals premiums may differ, but these rates illustrate how costs from these insurers typically compare.

Questions & Answers

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