The Best Home Insurance Companies in Michigan in 2026
We chose Amica and Auto-Owners as top insurance companies for Michigan homeowners.
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Written byTaylor Milam-Samuel
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Taylor Milam-SamuelInsurance Writer
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Edited byLequita Westbrooks
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Lequita WestbrooksSenior Editor
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Reviewed byMacK Korris
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MacK KorrisLicensed P&C Insurance Agent and Expert Fact-Checker
Licensed property and casualty insurance agent
NPN: 21630969
Updated
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On average, Michigan homeowners pay $197 per month for insurance. Many homes in Michigan are older, meaning aging materials can increase repair costs. Risks like winter storms, flooding, and tornadoes can also drive up costs. Michigan has averaged about five billion-dollar disasters per year over the past few years.[1]
Your home insurance cost depends on your city, home type, and insurance company. Comparing quotes can help you find the lowest price. For example, Auto-Owners offers the lowest average rate, at $95 per month, which is much less than the state average.
Below, you’ll find coverage tips, how home insurance works, and a comparison of the best and cheapest homeowners insurance companies in Michigan.
Key Takeaways
State Farm, Amica, and Chubb are some of the best insurance companies for Michigan homeowners.
Home insurance rates vary widely by company, so Michigan homeowners should compare quotes to find the cheapest option.
Standard homeowners policies don’t cover flooding, so you may need separate flood insurance depending on your risk.
Our Picks for Michigan’s Best Home Insurance Companies
You won’t find a single company that’s best for everyone, but you can find the right fit for your home. We compared rates, discounts, customer reviews, and coverage options. Each insurer below stands out in a different way, so you can easily compare home insurance options.
Company | Compare.com Rating | Average Monthly Premium |
|---|---|---|
| State Farm | 4.38/5 | $174 |
| Amica | 4.78/5 | N/A |
| Farmers | 3.87/5 | $108 |
| Chubb | 4.19/5 | $144 |
| Auto-Owners | Not rated | $95 |
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.1 /5 |
|---|---|
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 643 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $174/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $235/mo |
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.22
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm stands out for its disaster response, especially for Michigan homeowners dealing with harsh winter storms. After a January 2026 winter disaster in the Midwest, State Farm opened two customer care sites for in-person claims and donated $100,000 to local relief groups.
The company’s coverage helps protect against storm-related damage. It also offers features like inflation guard coverage, which adjusts your policy limits over time to keep up with rising repair costs. State Farm may not offer the lowest rates, but it’s still a good choice for many Michigan homeowners.
Pros
Strong catastrophe relief response
Inflation guard coverage
Cons
Low claims satisfaction rating[2]
Not the cheapest option
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
Not rated
Why we picked this company
Amica is our top choice for first-time homeowners because its customer service team helps you understand your coverage options. The company’s 30% bundling discount is also one of the best available.
But you’ll need to talk to an agent to get a quote. This might be inconvenient for experienced homeowners who like online tools, though it means first-time buyers get more support.
Pros
Strong customer service[3]
Generous bundling discounts
Cons
Must call for a quote
Limited private flood insurance options
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Farmers offers useful coverage if you own an older home in Michigan. It offers guaranteed replacement cost and upgrades to meet building codes. While prices are competitive, Farmers’ customer satisfaction scores are below average. Trustpilot reviewers also complain about the insurer’s claims process.
Pros
Coverage for older homes
Competitive pricing
Cons
Below-average customer satisfaction rating
Mixed claims reviews[4]
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Many Michigan homes need flood insurance, and Chubb is a top choice if you need more than $250,000 in coverage — the National Flood Insurance Program’s (NFIP) limit.[5] Chubb is ideal for homeowners with higher-value properties and more to insure.
The insurer also includes extended replacement cost coverage as part of its Masterpiece policies, whereas standard policies may not include it. Chubb’s coverage isn’t the cheapest, but it’s a strong option if you also want private flood insurance
Pros
High flood coverage limits
Replacement cost included
Cons
Designed for higher-value homes
Pricier than some competitors
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Auto-Owners has agents across Michigan, so it’s a good choice if you want to work with someone who knows your area. It also offers a variety of discounts that can help lower your premium. But it lags some competitors in customer service, and it has limited service hours, especially on weekends.
Pros
Large local agent network
Many available discounts
Cons
Lower customer satisfaction rating
Limited customer service hours
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The Cheapest Home Insurance Companies in Michigan
Home insurance rates can vary a lot between companies, even for the same house. By comparing quotes, you can see what’s typical and find the best deal.
Below are the cheapest home insurance companies in Michigan and average rates for a $300,000 home, based on data from Compare.com.
The below rates in Michigan are estimated rates current as of: Wednesday, July 15 at 5:00 PM PDT.
Company | Average Yearly Premium |
|---|---|
| Auto-Owners | $1,140 |
| Farmers | $1,296 |
| Westfield | $1,308 |
| Allstate | $1,488 |
| USAA | $1,572 |
| Chubb | $1,728 |
| Encompass | $1,896 |
| Wolverine Mutual | $2,076 |
| State Farm | $2,088 |
| Hanover | $3,792 |
Average Cost of Homeowners Insurance in Michigan
On average, it costs $197 per month to insure a home in Michigan. But this number is just a starting point. The value of your home affects how much coverage you need, and less expensive homes often have lower insurance costs.
The table below lists the average yearly premiums for different amounts of dwelling coverage, according to Compare.com data.
The below rates in Michigan are estimated rates current as of: Wednesday, July 15 at 5:00 PM PDT.
Company | Average Yearly Premium |
|---|---|
| Farmers | $888 |
| Auto-Owners | $900 |
| Allstate | $1,032 |
| Westfield | $1,092 |
| Chubb | $1,140 |
| USAA | $1,248 |
| Wolverine Mutual | $1,440 |
| Encompass | $1,488 |
| State Farm | $1,656 |
| Hanover | $2,544 |
The below rates in Michigan are estimated rates current as of: Wednesday, July 15 at 5:00 PM PDT.
Company | Average Yearly Premium |
|---|---|
| Auto-Owners | $1,140 |
| Farmers | $1,296 |
| Westfield | $1,308 |
| Allstate | $1,488 |
| USAA | $1,572 |
| Chubb | $1,728 |
| Encompass | $1,896 |
| Wolverine Mutual | $2,076 |
| State Farm | $2,088 |
| Hanover | $3,792 |
The below rates in Michigan are estimated rates current as of: Wednesday, July 15 at 5:00 PM PDT.
Company | Average Yearly Premium |
|---|---|
| Auto-Owners | $1,416 |
| Westfield | $1,512 |
| Farmers | $1,740 |
| USAA | $1,884 |
| Allstate | $1,896 |
| Encompass | $2,268 |
| Chubb | $2,292 |
| State Farm | $2,472 |
| Wolverine Mutual | $2,676 |
| Hanover | $4,800 |
The below rates in Michigan are estimated rates current as of: Wednesday, July 15 at 5:00 PM PDT.
Company | Average Yearly Premium |
|---|---|
| Auto-Owners | $1,668 |
| Westfield | $1,764 |
| USAA | $2,160 |
| Farmers | $2,244 |
| Allstate | $2,304 |
| Encompass | $2,604 |
| State Farm | $2,820 |
| Chubb | $2,856 |
| Wolverine Mutual | $3,444 |
| Hanover | $6,048 |
The below rates in Michigan are estimated rates current as of: Wednesday, July 15 at 5:00 PM PDT.
Company | Average Yearly Premium |
|---|---|
| Auto-Owners | $2,268 |
| Westfield | $2,460 |
| USAA | $2,808 |
| Farmers | $3,300 |
| Allstate | $3,312 |
| Encompass | $3,372 |
| State Farm | $3,588 |
| Chubb | $4,308 |
| Wolverine Mutual | $5,712 |
| Hanover | $9,876 |
Where you live in Michigan affects your home insurance costs. Insurers consider factors like weather risk, crime rates in your area, and claims history to set your rates. The cost to rebuild your home and access to emergency services can also affect how much you pay.[6]
Below are the average homeowners insurance premiums for some of Michigan’s largest cities, according to Compare.com.
CityAverage Monthly PremiumDetroit $226 Grand Rapids $177 Ann Arbor $164 Lansing $195
Common Home Insurance Risks in Michigan
Michigan faces certain home insurance risks that can change how much you pay and the coverage you need. Understanding these risks can help you choose the right policy for your home.
Here are some of the most common factors in Michigan that can significantly affect your insurance premium.
Older homes
About 61% of homes in Michigan were built before 1980, according to research from the University of Michigan.[7] Older homes can cost more to insure because aging materials and outdated systems are more likely to need repairs or cause claims.
Flood risk
Flooding can happen anywhere, whether you’re in a high or low-risk area, according to the Michigan Department of Insurance and Financial Services. So it’s important to know your home’s flood risk. Because standard policies don’t cover flood damage, you may need separate flood coverage depending on your risk.
Winter weather
Michigan’s winter storms can lead to frozen pipes, roof collapses, and ice dams — and expensive repairs. Make sure your insurance covers these repairs, and take steps to protect your home.
Tornadoes
Michigan averages about 15 tornadoes each year, so homeowners should be prepared.[8] Tornadoes can strike suddenly and cause severe damage, making them an important factor in your insurance decisions.
Michigan Department of Insurance and Financial Services
The Michigan Department of Insurance and Financial Services helps residents get insurance and offers support if you experience unfair or illegal treatment from a private insurer.
You can reach the department for help by calling 1 (877) 999-6442 on weekdays from 8 a.m. to 5 p.m. You can also file a complaint online.
What Homeowners Insurance Covers in Michigan
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Here’s an in-depth look at how your homeowners insurance protects your finances and your home in Michigan.
Home structure: This includes your house’s roof, basement, and foundation, which is important in Michigan, where winter weather can cause roof damage.
Other structures: Your policy also covers things not attached to your house, such as a pool, tool shed, or detached garage.
Personal belongings: Insurance covers the items in your home, like clothing, furniture, and electronics, but some limits may apply.
Liability protection: Your policy helps if someone is injured on your property and sues you or needs medical care.
Additional living expenses: Most policies help cover extra living costs if you can’t stay in your home during repairs.
Covered risks: Standard policies cover a wide range of risks, such as fire, wind, hail, and ice.
What home insurance doesn’t cover
A standard home insurance policy covers most types of damage, but not everything. Here’s what isn’t included.
Earthquakes: Standard policies don’t cover earthquakes, but you don’t usually need coverage for these in Michigan.
Floods: You can buy private flood insurance or an NFIP policy. Check your ZIP code to see if you need this coverage.
Backed-up sewer lines and sump pumps: You need extra coverage for sewer problems.
Do You Need Flood Insurance in Michigan?
As a homeowner in Michigan, you might need a separate flood insurance policy. Standard homeowners insurance doesn’t cover floods, so you’ll need to buy this coverage. Most people get it through the NFIP, but some companies also offer private flood insurance.
Factors That Affect Home Insurance Costs in Michigan
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The value of your home is a major factor in your insurance costs, but it’s not the only thing that matters. Here are some other factors insurance companies consider when setting your rates.
The home itself: The condition and age of your home, any upgrades, and extra features like pools or trampolines can all affect your insurance rates.
Where you’re located: Your specific location also affects how much you pay. For example, you might pay less for coverage if your home is close to emergency services.
How you structure your policy: The way you set up your policy also affects your costs. Your deductible, coverage limits, and any extra options can change your rate. Adjusting these can sometimes help you save money.
Your background: Your credit is another thing insurers look at. If you have solid credit, you’re seen as less risky, so you’ll pay a lower premium.
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Michigan Home Insurance FAQs
Below, we answer some common questions to help you choose the best home insurance in Michigan.
How much is home insurance in Michigan?
Home insurance in Michigan falls in the higher-cost range for home insurance, averaging $197 per month for a policy with $300,000 in dwelling coverage, according to Compare.com data.
What’s the best home insurance company in Michigan?
The best home insurance company comes down to your budget, home, and risks in your area. That said, some of the best home insurers in Michigan include Amica, State Farm, and Chubb. Be sure to get a quote from several companies to find the best fit.
Which company has the cheapest homeowners insurance in Michigan?
Auto-Owners offers the lowest average rates in Michigan, at $95 per month, according to Compare.com data. Keep in mind that exact rates vary by homeowner.
What does home insurance cover in Michigan?
Home insurance in Michigan covers damage to your house and belongings. It also protects you if someone is injured on your property. Home insurance covers most natural disasters, but you’ll need a separate policy for floods.
What is the average cost of homeowners insurance in Detroit?
In Detroit, the average homeowners insurance cost is $226 per month, according to our research. Insurance tends to cost more here, partly because many homes are older.
What types of home insurance coverages are recommended in Michigan?
The Michigan Department of Insurance and Financial Services recommends having enough coverage, like dwelling and liability protection, to protect your home. You may also want to consider additional protections based on your risk, such as a separate flood insurance policy. Your mortgage lender may also require certain coverage types and limits.
Sources
- National Oceanic and Atmospheric Administration (NOAA). "Billion-Dollar Weather and Climate Disasters: Michigan Summary."
- J.D. Power. "2025 U.S. Property Claims Satisfaction Study."
- Jdpower.com. "2025 U.S. Home Insurance Study."
- TrustPilot. "Farmers Insurance."
- North Carolina Department of Insurance (NCDOI). "NFIP Summary of Coverage."
- Michigan Department of Insurance and Financial Services (DIFS). "Homeowners Insurance Guide."
- University of Michigan. "U-M report explores growing housing crisis in Michigan."
- Michigan State Police – MIReady. "Tornadoes."
Methodology
Compare.com data scientists analyzed rates from more than 180 home insurance companies sourced directly from Compare.com’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Compare.com’s proprietary database. Rates are updated monthly.
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Taylor Milam-SamuelInsurance Writer
Lequita WestbrooksSenior Editor
MacK KorrisLicensed P&C Insurance Agent and Expert Fact-Checker
Licensed property and casualty insurance agent
NPN: 21630969