- How much is homeowners insurance in Michigan?
- What are the cheapest homeowners insurance companies in Michigan?
- What are the best home insurance companies in Michigan?
- Michigan homeowners insurance rates by ZIP code: Most and least expensive
- Michigan homeowners insurance calculator: Estimate your rates
- Michigan homeowners insurance rates by county
- Homeowners insurance rates in Michigan by city
- Homeowners insurance rates in Michigan by coverage level
- Homeowners insurance discounts in Michigan: How to save on home insurance
- Is homeowners insurance mandatory in Michigan?
- Methodology
- FAQ: Michigan homeowners insurance
- Compare Michigan homeowners insurance rates with other states
How much is homeowners insurance in Michigan?
Homeowners insurance in Michigan costs an average of $2,924 a year for the following coverage:
- $300,000 in dwelling coverage
- $300,000 in liability
- $1,000 deductible
Home insurance rates will vary widely depending on the coverage you need and where you live in Michigan. The insurance company you choose will also impact your rates.
An S&P Global study found Michigan home insurance rates have increased 32.4% since 2019, so shopping around is vital.
What are the cheapest homeowners insurance companies in Michigan?
On average, Auto Club Group - ACG (AAA) is the cheapest home insurance companies in Michigan by a wide margin at all coverage levels, ranging from $1,448 a year at $200,000 in coverage to $4,510 at $1,000,000.
As you can see from the chart below, shopping around to compare home insurance rates can save you hundreds of dollars a year.
Below are average home insurance rates by company at several dwelling coverage levels for a policy with $300,000 in liability coverage with a $1,000 deductible.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| State Farm | $3,911 | $4,909 | $5,803 | $7,306 | $9,375 |
| Farmers | $2,065 | $2,884 | $4,049 | $5,385 | $8,030 |
| Auto-Owners | $1,859 | $2,367 | $2,787 | $3,323 | $4,191 |
| Auto Club Group - ACG (AAA) | $1,448 | $1,726 | $2,178 | $3,096 | $4,510 |
| Frankenmuth Insurance | $1,468 | $1,948 | $2,578 | $4,229 | $7,474 |
| Michigan Farm Bureau | $6,800 | $9,311 | $12,071 | $16,504 | $22,849 |
| The Hanover | $3,300 | $4,571 | $5,814 | $8,239 | $11,808 |
| USAA | $1,652 | $2,140 | $2,559 | $3,310 | $4,257 |
What are the best home insurance companies in Michigan?
The best home insurance company in Michigan is Auto-Owners at a score of 4.75 out of five, followed by Auto Club Group - ACG (AAA) at 4.58. Frankenmuth Insurance, Farmers and State Farm round out the top five.
To help you choose, we’ve ranked Michigan insurers based on AM Best financial stability scores, average annual home insurance rates and NAIC complaint ratios.
Insurance.com scores are given out of five based on these three factors.
*USAA only writes insurance for military members and their families.
Auto-Owners
With affordable rates, a low complaint volume and the best possible rating for financial security from AM Best, Auto-Owners earned the No. 1 spot for home insurance in Michigan. Auto-Owners is committed to personal service, so they don't offer online quotes, which may be a downside for some, but it has plenty of upsides to make up for it.
Auto Club Group (AAA)
Our second pick for home insurance in Michigan is Auto Club Group, a AAA-branded regional carrier that offers the lowest rates and excellent customer satisfaction scores. Complaints are minimal and the carrier has a solid A with AM Best.
Frankenmuth Insurance
Regional carrier Frankenmuth is the third place company for homeowners insurance in Michigan, making both of the top two smaller companies. It boasts low average rates and the lowest complaint volume of all the companies we ranked.
Michigan homeowners insurance rates by ZIP code: Most and least expensive
Michigan's most expensive ZIP codes for home insurance are all in Detroit and are about $3,000 more than the state average of $2,924. These include the neighborhoods in ZIP codes:
- 48238 ($5,924)
- 48205 ($5,728)
- 48226 ($5,693)
- 48213 ($5,534)
The least expensive ZIP codes are about $729 less than the state average and are in:
- Manistee (49660)
- Leland (49654)
- Calumet (49913)
Many factors affect home insurance rates. Chief among them is where you live, which is why rates vary a great deal depending on your ZIP code. In addition to location, what you pay is also influenced by the following:
- Your home's square footage
- Building costs in your area and your own home's construction, materials and features
- Local crime rates
- Weather and natural disasters
Michigan homeowners insurance calculator: Estimate your rates
Enter your ZIP code in the search box to see that area's average home insurance rate and the highest and lowest premiums fielded from major insurers. This will give you an idea of how much you can save by comparing Michigan home insurance rates. The difference between the highest and lowest rates is how much you could save by switching insurance companies.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
Michigan homeowners insurance rates by county
Montmorency County has the cheapest rates at $2,406 a year, while the most expensive county is Wayne, at $4,106.
Take a look at the average rates by county in Michigan below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Alcona | $2,553 | $213 |
| Alger | $2,851 | $238 |
| Allegan | $2,943 | $245 |
| Alpena | $2,460 | $205 |
| Antrim | $2,636 | $220 |
| Arenac | $2,638 | $220 |
| Baraga | $2,444 | $204 |
| Barry | $2,872 | $239 |
| Bay | $3,007 | $251 |
| Benzie | $2,546 | $212 |
| Berrien | $2,938 | $245 |
| Branch | $2,835 | $236 |
| Calhoun | $3,020 | $252 |
| Cass | $3,043 | $254 |
| Charlevoix | $2,703 | $225 |
| Cheboygan | $2,956 | $246 |
| Chippewa | $2,553 | $213 |
| Clare | $2,920 | $243 |
| Clinton | $2,868 | $239 |
| Crawford | $2,442 | $203 |
| Delta | $2,700 | $225 |
| Dickinson | $2,621 | $218 |
| Eaton | $2,822 | $235 |
| Emmet | $2,425 | $202 |
| Genesee | $3,356 | $280 |
| Gladwin | $2,814 | $235 |
| Gogebic | $2,469 | $206 |
| Grand Traverse | $2,719 | $227 |
| Gratiot | $2,649 | $221 |
| Hillsdale | $2,825 | $235 |
| Houghton | $2,825 | $235 |
| Huron | $2,598 | $216 |
| Ingham | $2,767 | $231 |
| Ionia | $2,854 | $238 |
| Iosco | $2,634 | $220 |
| Iron | $2,886 | $240 |
| Isabella | $3,073 | $256 |
| Jackson | $2,757 | $230 |
| Kalamazoo | $2,605 | $217 |
| Kalkaska | $2,574 | $214 |
| Kent | $2,583 | $215 |
| Keweenaw | $2,752 | $229 |
| Lake | $2,541 | $212 |
| Lapeer | $2,782 | $232 |
| Leelanau | $2,465 | $205 |
| Lenawee | $2,759 | $230 |
| Livingston | $3,156 | $263 |
| Luce | $2,511 | $209 |
| Mackinac | $2,663 | $222 |
| Macomb | $3,275 | $273 |
| Manistee | $2,478 | $207 |
| Marquette | $2,694 | $225 |
| Mason | $2,625 | $219 |
| Mecosta | $2,974 | $248 |
| Menominee | $2,530 | $211 |
| Midland | $2,937 | $245 |
| Missaukee | $2,514 | $210 |
| Monroe | $2,850 | $237 |
| Montcalm | $2,807 | $234 |
| Montmorency | $2,406 | $200 |
| Muskegon | $2,729 | $227 |
| Newaygo | $2,893 | $241 |
| Oakland | $3,198 | $266 |
| Oceana | $2,654 | $221 |
| Ogemaw | $2,595 | $216 |
| Ontonagon | $2,921 | $243 |
| Osceola | $2,556 | $213 |
| Oscoda | $2,555 | $213 |
| Otsego | $2,783 | $232 |
| Ottawa | $2,825 | $235 |
| Presque Isle | $2,428 | $202 |
| Roscommon | $2,851 | $238 |
| Saginaw | $3,146 | $262 |
| Sanilac | $2,958 | $246 |
| Schoolcraft | $2,465 | $205 |
| Shiawassee | $2,893 | $241 |
| St. Clair | $2,932 | $244 |
| St. Joseph | $2,901 | $242 |
| Tuscola | $2,779 | $232 |
| Van Buren | $2,938 | $245 |
| Washtenaw | $2,971 | $248 |
| Wayne | $4,106 | $342 |
| Wexford | $2,411 | $201 |
The Michigan Department of Insurance and Financial Services says...
Companies add new discounts frequently. Be sure to ask for a list of discounts that are offered from each company you are considering for the purchase of homeowners insurance. Most companies have a cap on the total amount of discounts that a person can use to reduce their premiums. For example, if you qualify for several discounts that amount to over 90% of the premium, the company may limit the total amount of discounts you can claim to 50% of the premium.
- The Michigan Department of Insurance and Financial ServicesHomeowners insurance rates in Michigan by city
Among major cities, Detroit has the most expensive rates at $5,100, while the cheapest is Grand Rapids at $2,540.
Though you can see how much coverage costs for your neighborhood by using our average rates tool above, you may want to know the cost of a policy in your city and how it compares to others. Below, we provide rates for the largest cities in Michigan.
| City | Average annual premium |
|---|---|
| Grand Rapids | $2,540 |
| Lansing | $2,776 |
| Ann Arbor | $2,807 |
| Troy | $2,899 |
| Livonia | $3,006 |
| Sterling Heights | $3,071 |
| Westland | $3,303 |
| Warren | $3,430 |
| Dearborn | $3,782 |
| Detroit | $5,100 |
Homeowners insurance rates in Michigan by coverage level
Below are the average Michigan homeowners insurance rates for 10 coverage levels, all with a $1,000 deductible. As you can see, the difference in price between low liability limits and the recommended higher amount is less than $20 a year.
| Coverage level | Average annual premium | Average monthly premium |
|---|---|---|
| $200,000 with $1,000 deductible and $100,000 liability | $2,229 | $186 |
| $200,000 with $1,000 deductible and $300,000 liability | $2,249 | $187 |
| $300,000 with $1,000 deductible and $100,000 liability | $2,896 | $241 |
| $300,000 with $1,000 deductible and $300,000 liability | $2,924 | $244 |
| $400,000 with $1,000 deductible and $100,000 liability | $3,661 | $305 |
| $400,000 with $1,000 deductible and $300,000 liability | $3,692 | $308 |
| $600,000 with $1,000 deductible and $100,000 liability | $4,868 | $406 |
| $600,000 with $1,000 deductible and $300,000 liability | $4,901 | $408 |
| $1,000,000 with $2,500 deductible and $100,000 liability | $6,927 | $577 |
| $1,000,000 with $2,500 deductible and $300,000 liability | $6,959 | $580 |
Homeowners insurance discounts in Michigan: How to save on home insurance
There are several ways to reduce home insurance rates. Many insurers will lower your bill by as much as 37% if you bundle your auto and home.
You can also cut your costs by making your home more disaster-resistant.
Other possible home insurance discounts include:
- Installing smoke detectors, a burglar alarm or dead-bolt locks:2% to 4%
- Installing a sprinkler system and a fire and burglar alarm: 4% to 5%
- Loyalty discounts: about 5% on average
Home and auto bundling discount in Michigan
Michigan homeowners who buy coverage for both home and auto from the same company can save an average of $356 a year, or 19%. Below, you’ll see how major carriers in Michigan compare for the home and auto multi-policy discount.
| Company | $ bundle average savings | % bundle average savings |
|---|---|---|
| Auto-Owners | $37 | 11% |
| USAA | $167 | 9% |
| Michigan Farm Bureau | $200 | 11% |
| Pioneer State Mutual | $218 | 15% |
| Frankenmuth Insurance | $222 | 15% |
| Farmers Insurance | $291 | 20% |
| Automobile Club MI | $293 | 19% |
| Allstate | $413 | 30% |
| State Farm | $623 | 32% |
| The Hanover | $1,096 | 27% |
Is homeowners insurance mandatory in Michigan?
Home insurance is not required by law in Michigan. Mortgage companies, however, require homeowners insurance as a part of the loan contract. Your mortgage company will inform you of the insurance requirement before the loan closes; you're required to keep insurance in place for the duration of the loan.
That doesn't mean you can't change insurance companies; you can shop around for the best rate at any time. Just make sure you don't have a lapse in coverage.
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
FAQ: Michigan homeowners insurance
How do I find a good Michigan insurance company?
The Michigan Department of Insurance and Financial Services (DIFS) publishes a list of insurers offering coverage in the state.
Our ranking of the best home insurance companies nationwide can also help, as many of them offer coverage in Michigan.
What if I can't get homeowners insurance in Michigan?
Michigan law does not require you to purchase homeowners insurance. However, if you have a mortgage, your lender will require it.
If you are unable to purchase a policy directly from an insurance company for any reason, contact an insurance agent and ask to apply to the Michigan Basic Property Insurance Association.
Where do I file a complaint against a Michigan insurance company?
If you have a dispute with your insurer, the Michigan Department of Insurance and Financial Services can help. The Office of Consumer Services can investigate your complaint and try to help resolve it or at least explain your options.
The department encourages you to try to resolve any complaint with the insurance company first. If such efforts fail, visit the DFIS website and fill out an insurance complaint form.
How much is flood insurance in Michigan?
The average cost of a National Flood Insurance Program (NFIP) flood insurance policy in Michigan is $975 a year. Private flood insurance costs vary.
Homeowners insurance does not cover flood damage. To be covered, you need to purchase a flood insurance policy through the National Flood Insurance Program.