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2024

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Best Local Car Insurance Agencies in Michigan

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Michigan Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

5675Reviewed

3412Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Grand Rapids

Expertise.com Rating

Why choose this provider?

Steenland Insurance Agency - Grand Rapids is a family-owned insurance company that has been serving Michigan for more than eight decades. As an independent agency, it represents an extensive network of insurance provider'slike Progressive, Auto-Owners, and Foremost�that offer auto insurance policies for drivers and motorists across the state. Policies protect clients from significant financial loss caused by accidents, liabilities, and uninsured drivers. Insurance policies are also available for owners of motorcycles, travel trailers, boats, and ATVs. Steenland Insurance Agency's longevity in the industry speaks to its ability to render the best financial solutions to clients' distinct concerns.

Canton

Expertise.com Rating

Review Sources

Google
4.9 (255)
Yelp
5.0 (1)

Why choose this provider?

Established in 1992, Loyalty Insurance - Canton is an independent insurance agency serving clients in Michigan. The company offers auto insurance policies to help people secure their finances, automobiles, and loved ones in the event of a car accident or collision. The auto policy also includes liability coverage, which allows clients to be held accountable for any injuries they cause to other passengers or drivers on the road. Loyalty Insurance - Canton carries Dairyland, CNA Surety, and Bristol West insurance products.

Toledo

Expertise.com Rating

Why choose this provider?

Matt Vierk is a local State Farm agent who serves various clients, including car owners looking for cheap coverage in Michigan. He helps them obtain protection from financial losses due to bodily injury liabilities and property damages caused by accidents. He also assists drivers in choosing beneficial add-ons for their car insurance, including uninsured and underinsured motorist protection, emergency road service, car rental, and travel expenses. Before launching his State Farm office in 2007, Vierk worked as an agency field specialist for State Farm.

Oxford

Expertise.com Rating

Why choose this provider?

Curtis Insurance Agency caters to clients throughout Michigan. It deals with automobile insurance and offers car owners a wide range of coverage options, like road service, personal injury, and liability coverage. The company also provides insurance solutions for antique or classic car owners. Greg Clay, a notable member of the company's staff, has over a decade of industry experience. He holds a Certified Insurance Counselor designation and serves the Oxford Chamber of Commerce as an ambassador.

Lambertville

Expertise.com Rating

Review Sources

Facebook
4.7 (28)
Google
4.7 (24)

Why choose this provider?

IOTT Insurance Agency Inc., Lambertville office, caters to clients throughout Michigan. It writes policies to protect client's valuable assets, such as cars. Its auto insurance products include coverage for collision incidents, road trouble service, additional expenses, and lease or loan gaps. Professionals at the firm guide clients in selecting the type and amount of auto coverage that best suits their needs. Clients can also combine auto insurance with home, umbrella, and life policies. IOTT Insurance Agency also has offices in Blissfield and Petersburg.

Expertise.com Rating

Review Sources

Google
4.9 (865)
Facebook
4.7 (62)
Yelp
4.5 (8)

Why choose this provider?

Signature Insurance is an independent agency that has been serving Michigan since 2006. It partners with the best carriers to provide auto insurance policies that meet a driver's needs and preferences, including Liberty Mutual, Encompass, and Berkshire Hathaway. Its team of professionals helps clients in choosing insurance coverage options by considering different factors such as their age, driving record, and the type of vehicle. The agency's founder, Zaid Zayto, started providing insurance to households by going door-to-door and establishing relationships with them.

Jackson

Expertise.com Rating

Review Sources

Google
4.9 (33)

Why choose this provider?

The Craft Agency, Inc., offers an array of personal insurance products in Michigan. It provides financial protection through its customized car insurance plans. The independent company helps clients secure reimbursements for damaged properties and medical bills due to unexpected events like collisions and theft. Its agents also process life, health, and home insurance. They work with various carriers, such as Progressive, State Auto, and Central Insurance Companies. Robert Craft, the president, has been a part of the family business since 1988.

Waterford Township

Expertise.com Rating

Why choose this provider?

Joe Fagan owns and operates a State Farm insurance firm in Michigan. He offers collision, comprehensive, and personal liability coverage in his auto insurance policy. His company sells insurance for pets, businesses, autos, real estate, and residences. Joe worked as a team member with another agent before starting his own agency in 2017. Since 2014, he has worked in the insurance industry. Joe and his wife Angie are supporters of the Waterford Youth Assistance program and Real Men Wear Pink.

Warren

Expertise.com Rating

Review Sources

Google
4.9 (163)
Facebook
5.0 (45)
Yelp
3.7 (3)

Why choose this provider?

Natalie Gajewski provides insurance products for car owners in Michigan. She also offers policies for homeowners and renters, as well as commercial insurance plans for business owners. In addition, she assists clients in navigating their finances and investments, including annuities and mutual funds. Gajewski, who has been working for State Farm since 2015, is part of the company's pool of 19,000 agents nationwide. Her team has received various recognitions, such as the State Farm Ambassador Travel and State Farm Honor Club awards.

Three Rivers

Expertise.com Rating

Why choose this provider?

The Charvat Agency, LLC, is a full-service independent insurance agency that provides financial risk protection solutions, serving individuals, families, and business owners in Michigan. It offers auto insurance to car owners focused on protecting themselves and their belongings. It also matches clients to its partner insurance carriers that provide the best possible life, health, home, and business interruption policies that cover their individual needs. Some of its partner providers include Auto-Owners Insurance and State Auto Insurance Companies.

Clinton Township

Expertise.com Rating

Review Sources

Google
4.9 (77)
Yelp
4.5 (7)

Why choose this provider?

Brian Lane Agency, a Farm Bureau Insurance subsidiary, supports individuals and businesses in Michigan with risk management needs. It sells a variety of insurance policies, including auto, house, and business insurance. The company also offers farm owners protection plans, as well as long-term care, life, and health insurance coverage. Brian Lane Agency assists clients in understanding their present goals and provides guidance tailored to their specific requirements. It also provides assistance in the process of filing claims.

Lansing

Expertise.com Rating

Review Sources

Facebook
4.8 (59)
Google
4.7 (42)
Yelp
5.0 (2)

Why choose this provider?

Since 1956, Rathbun Agency has been serving the personal and commercial insurance needs of clients in Michigan. It offers cheap auto insurance policies that cover GAP, medical payments, towing and roadside assistance, and rental reimbursements. Its other products include renters', homeowners', condo, umbrella, boat, and wedding insurance. Rathbun Agency was recognized by the Insurance Journal as one of the top six companies to work for in the United States. It has access to various providers, such as Progressive, Hagerty, Acuity Insurance, and Foremost Insurance Group.

Canton

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
5.0 (4)

Why choose this provider?

Dave Stanbury Insurance Agency provides the citizens of Michigan with various types of protection plans. It offers cheap options for car insurance that include payment for damages done to the vehicle, liability coverage for injuries made to other people and other people's property, and medical expenses for automobile accident injuries. The agency also carries insurance for life, homeowners, and landlords. It also has business insurance for hotels, churches, and retail stores. The independent agency aims to educate clients about their insurance options.

Mount Clemens

Expertise.com Rating

Review Sources

Google
4.7 (12)

Why choose this provider?

The Macomb-Gerlach Agency, Inc., offers insurance products and services throughout Michigan and its surrounding areas. For more than 150 years, the firm has been helping businesses and families with their insurance needs, such as protection plans for cars. These include coverage for car theft or damage, liability, road trouble service, additional expenses, and a lease or loan gap. The Macomb-Gerlach Agency is committed to offering the best options by representing various insurance carriers, such as Auto-Owners, Fremont, The Harford, Grange Mutual, and Safeco.

Expertise.com Rating

Review Sources

Google
4.7 (81)
Facebook
4.9 (72)

Why choose this provider?

Since 1970, family-owned and family-operated Eaton Insurance Service has been serving clients in Michigan. It offers car insurance policies that provide collision, comprehensive, property damage, and uninsured or underinsured motorist coverage options. Its insurance agents help clients in determining policies tailored to their unique needs and goals. It is an independent agency that works with multiple insurance companies such as Frankenmuth, Safeco Insurance, and Pioneer State Mutual. The agency takes a proactive approach to crafting customized insurance plans by anticipating challenges clients may face.

Grand Rapids

Expertise.com Rating

Review Sources

Google
5.0 (153)
Facebook
4.5 (47)

Why choose this provider?

West Michigan Insurance provides the best policies tailored to the specific goals of car owners. These cover property damage, uninsured and underinsured motorists, and bodily injury. Some factors that affect eligibility include age, credit, car type, and driving history. The company also offers insurance policies to businesses, including workers' compensation, general liability, and builders' risk coverage. West Michigan Insurance is an independent agency that works with multiple providers to help clients find the best option for their needs by giving them a more extensive range of products.

Plymouth

Expertise.com Rating

Review Sources

Google
4.9 (390)
Facebook
4.9 (57)
Yelp
5.0 (1)

Why choose this provider?

Finlan Insurance is an agency that has been serving residents in Michigan for more than a century. It helps individuals in exploring the best car insurance coverage options available for them. These insurance policies cover different types of cars including high-value ones, classics or collectibles, and recreational vehicles. Commercial auto insurance is also available which encompasses physical liabilities involving trucks and hired or non-owned vehicles. The agency's president, Kirkland Kohn, is a Certified Insurance Counselor.

Livonia

Expertise.com Rating

Review Sources

Google
4.6 (19)

Why choose this provider?

Randy Cagwin is the founder and owner of Cagwin Agency. Cagwin and his team serve educators in and around Michigan by offering the best auto insurance products. Through the Meemic family, which was founded by educators, the agency provides coverages for all types of cars and helps clients find the best policy suited to their needs and budget. It also provides antique auto insurance and claims and repair services. Randy has been working with Meemic for over 25 years and is also a former teacher.

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Steenland Insurance Agency - Grand Rapids
975 3 Mile Road Northwest, Grand Rapids, MI 49544
Loyalty Insurance - Canton
41575 Joy Road, Canton, MI 48187
Matt Vierk
5650 Central Avenue, Toledo, OH 43615
Curtis Insurance Agency
25 North Washington Street, Oxford, MI 48371
IOTT Insurance Agency Inc. - Lambertville
3558 West Sterns Road, Lambertville, MI 48144
Signature Insurance
3250 W Big Beaver Ste 308, Troy, MI 48084
The Craft Agency, Inc.
2533 Spring Arbor Road, Jackson, MI 49203
Joe Fagan
6909 Highland Road, Waterford Township, MI 48327
Natalie Gajewski
15192 East Thirteen Mile Road, Warren, MI 48088
Charvat Agency, LLC
180 East Michigan Avenue, Three Rivers, MI 49093
Brian Lane Agency
21250 Hall Road, Clinton Township, MI 48038
Rathbun Agency
529 West Saginaw Street, Lansing, MI 48933
Dave Stanbury Insurance Agency
7282 N Sheldon Road, Canton, MI 48187
Macomb-Gerlach Agency, Inc.
273 Cass Avenue, Mount Clemens, MI 48043
Eaton Insurance Service
11436 North Linden Road, Clio, MI 48420
West Michigan Insurance
1345 Monroe Ave NW Suite 132, Grand Rapids, MI 49505
finlan.com
47784 Halyard Drive, Plymouth, MI 48170
Randy Cagwin
37464 Five Mile Road, Livonia, MI 48154

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

  • How does car insurance work?

    Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

  • What does car insurance cover?

    Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

  • Does car insurance cover theft?

    Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

  • How does a car insurance deductible work?

    A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

  • Do you need insurance to register a car?

    Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.