Our editorial team analyzed regional and national auto insurance companies that sell policies in Michigan to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
In addition to their years of driving experience, seniors are often recognized for their safe and courteous driving habits.1 Car insurance companies often offer lower premiums and discounts to senior drivers. While that’s a benefit, budgeting for affordable auto insurance may be a challenge for the 40% of older Americans who live on a fixed income.2
To help you find the right car insurance policy, we analyzed 50 insurers to choose the best Michigan car insurance companies for senior drivers.
Best car insurance companies in Michigan for seniors
Several auto insurance companies in Michigan stand out for their coverage, customer support, and discounts for older adults.
The Hartford: Best overall
State Farm: Best for customer support
USAA: Best for veterans and their families
Auto-Owners: Best for seniors who travel
Chubb: Best for specialized coverage options
How to get the best car insurance for seniors in Michigan
No matter your car insurance priorities, keep the following key points in mind when shopping for a policy.
Consider your coverage needs
To drive legally in Michigan, you must get a policy with at least these state-minimum limits:3
$50,000 per person and $100,000 per accident in bodily injury liability coverage
$10,000 in property damage liability coverage for out-of-state accidents
Personal injury protection (PIP) and property protection insurance (PPI)
You may want to buy collision and comprehensive coverage to pay for your vehicle repairs, especially if you can’t afford to replace your car after an accident. If you have a loan, your lender will probably require a full-coverage policy.
Roadside assistance is an affordable add-on and can be valuable if you need a jump-start, a tow, or if you lock your keys in your car. If you don’t own a car but rent cars when traveling or drive a family member’s car, you may need non-owner car insurance instead.
Evaluate ratings and reviews
To get a sense of a company’s reputation, research the following:
AM Best financial strength rating
J.D. Power customer satisfaction ratings
Customer reviews on Trustpilot and other third-party sites
NAIC complaint index
Look for discounts and perks for seniors
Many insurance companies provide discounts to help you save money. Besides bundling discounts, see if your insurer offers any of the following discounts, many of which may appeal to seniors:
Vehicle storage discount
Mileage-based insurance or low-mileage discount
Multi-policy or multi-vehicle discounts
Homeowner discount
Shop around for car insurance quotes
While older adults typically pay lower car insurance rates than younger drivers, each auto insurer weighs age differently when calculating premiums, and some offer cheaper premiums for seniors than others. Make sure to compare quotes from at least three different companies to find the best deal for the coverage you need.
Average cost of car insurance for seniors in Michigan
Senior drivers in Michigan pay an average of $119 per month for liability-only insurance and $179 for full coverage.
Michigan is a no-fault state, meaning drivers file claims with their own insurance company regardless of fault. Michigan also has some of the nation’s highest premiums.4 Additionally, rates could increase in the coming year due to the effect of tariffs on auto part prices.
Best car insurance for seniors in Michigan FAQs
If you still have questions about coverage or the cost of an auto policy for seniors in Michigan, see answers to some frequently asked questions below.
How much is car insurance in Michigan?
The average cost of full coverage in Michigan is $214 per month, and liability-only coverage costs $142 per month, according to Insurify data.
Seniors pay an average of $119 per month for liability-only insurance and $179 for full coverage.
What are the best car insurance companies in Michigan?
Some of the best car insurance companies in Michigan include GEICO, Auto-Owners, Nationwide, and State Farm. But the best insurer for you will depend on your driver profile info and coverage needs. For example, The Hartford and Auto-Owners offer coverage options that could appeal to Michigan retirees, and State Farm offers dedicated agents for its customers.
What car insurance discounts are available in Michigan?
Michigan drivers may be eligible for common car insurance discounts. These include annual payment or auto-pay discounts, safe driver discounts, defensive driver course discounts, low-mileage discounts, and multi-policy discounts.
How much car insurance do you need in Michigan?
Michigan drivers need to purchase personal injury protection (PIP) and property protection insurance (PPI), along with 50/100/10 liability coverage limits, at a minimum.
Does your car insurance rate go up when you turn 65?
Some auto insurers may increase your premium at age 65, while others may not raise your rates until you reach your mid-70s. This is because older drivers are more likely to be in a fatal accident.5 Whether your rate increases depends on your insurer and where you live.
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