Below are our picks for the best home and auto insurance bundling companies in Michigan:
Best Home and Auto Insurance in Michigan
Updated: April 4, 2025
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Key Takeaways
In Michigan, USAA, Auto-Owners and Progressive are the top home and auto insurance providers.
Auto-Owners offers the best home and auto insurance discount, with savings of 10% on auto and 11% on home insurance.
Michigan residents pay an average of $5,788 annually for home and auto insurance, 87% above the national average.
Who Offers the Best Home and Auto Insurance Bundles in Michigan?
| USAA | 97 | $2,511 | $206 |
| Auto-Owners | 96 | $2,731 | $309 |
| State Farm | 80 | $5,989 | $1,625 |
| Progressive | 72 | $3,718 | $131 |
| Farmers | 67 | $11,240 | $2,800 |
| Allstate | No Data | $8,540 | $1,328 |
Auto-Owners: Best Cheap Home and Auto Insurance in Michigan
Auto-Owners offers the most affordable home and car insurance bundles in Michigan for nonmilitary customers. Policyholders can save 10% on auto and 11% on home insurance, with additional discounts available for young drivers. Auto-Owners provides many coverage options, making it both affordable and comprehensive.
| Auto | $2,393 | $266 | 10% |
| Home | $338 | $43 | 11% |
USAA: Best Home and Auto Insurance in Michigan for Military
USAA is the best choice for military members and their families seeking home and auto insurance, offering the lowest rates in the state. It provides various discounts, including the SafePilot program, which rewards safe drivers with up to 30% savings. USAA leads in customer satisfaction, ranking first in J.D. Power ratings for both home and auto insurance.
| Auto | $979 | $36 | 4% |
| Home | $1,532 | $170 | 10% |
Progressive: Best Home and Auto Insurance Coverage in Michigan
Progressive is the third-most affordable home and auto insurance option in Michigan and offers various additional discounts. Its Snapshot program helps customers save more than $200 yearly on car insurance. Progressive provides unique coverage options, including rideshare coverage, custom parts and equipment coverage and roadside assistance.
| Auto | $1,672 | $131 | 7% |
| Home | $2,046 | $0 | 0% |
Michigan Home and Auto Insurance Cost
Michigan's average monthly home and auto insurance cost is $482, much higher than the national average of $258. Depending on the provider, monthly rates range from $209 to $937.
| Michigan home and auto insurance bundle | $5,788 | $-2,694 | 87% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Michigan Home and Auto Insurance Quotes Without Bundling
While our research shows that bundling home and auto insurance in Michigan is pricier, your quotes may vary. Below are the average costs of all coverage combinations from our top providers without bundling, ranked from least to most expensive.
| USAA | Auto-Owners | $1,396 |
| Progressive | Auto-Owners | $2,183 |
| USAA | State Farm | $3,030 |
| USAA | Progressive | $3,061 |
| Allstate | Auto-Owners | $3,118 |
| Progressive | USAA | $3,505 |
| Progressive | State Farm | $3,818 |
| USAA | Farmers | $4,285 |
| Auto-Owners | USAA | $4,361 |
| Allstate | USAA | $4,440 |
| Auto-Owners | State Farm | $4,674 |
| Auto-Owners | Progressive | $4,705 |
| Allstate | State Farm | $4,753 |
| Allstate | Progressive | $4,783 |
| Progressive | Farmers | $5,073 |
| Auto-Owners | Farmers | $5,929 |
| State Farm | Auto-Owners | $5,979 |
| Allstate | Farmers | $6,008 |
| State Farm | USAA | $7,301 |
| State Farm | Progressive | $7,644 |
| USAA | Allstate | $8,145 |
| State Farm | Farmers | $8,869 |
| Progressive | Allstate | $8,933 |
| Auto-Owners | Allstate | $9,789 |
| Farmers | Auto-Owners | $11,151 |
| Farmers | USAA | $12,473 |
| State Farm | Allstate | $12,729 |
| Farmers | State Farm | $12,785 |
| Farmers | Progressive | $12,816 |
| Farmers | Allstate | $17,901 |
Should I Bundle Home and Auto Insurance in Michigan?
For Michigan drivers, it usually costs more to bundle home and auto insurance than to buy them separately. Evaluate your coverage needs and financial situation to determine the best option.
Individual policies cost less in Michigan
In Michigan, home and auto insurance costs $1,396 annually without bundling. With bundling, it rises to $2,511.
Bundling makes policy management convenient
Bundling insurance policies makes managing your insurance easier through a single account. This means less hassle and saves time.
It might be better not to bundle in Michigan
Purchasing nonbundle insurance saves more money and provides more flexibility in coverage options.
Best Auto and Home Insurance in Michigan: Bottom Line
In Michigan, USAA, Auto-Owners and Progressive are the best for bundling home and auto insurance. However, buying policies separately typically costs less. Compare multiple companies and get quotes to find the best deal for your situation.
Home and Auto Insurance in Michigan: FAQ
Find expert answers to common questions about Michigan home and auto insurance here:
Who has the best home and auto insurance in Michigan?
Auto-Owners is the best cheap home and auto insurance provider in Michigan. USAA is the best option for military members and their families. Progressive has the best coverage options in the state.
Who has the cheapest home and auto insurance in Michigan?
USAA offers the cheapest home and auto insurance bundle in Michigan, with an annual premium of $2,511. Customers can save $206 yearly compared to the state average. Auto-Owners has the second-most affordable bundle at $2,731, saving $309 annually.
How much does home and auto insurance in Michigan cost on average?
Michigan's average annual premium for bundling home and auto insurance is $5,788, about 87% higher than the national average. The most affordable option costs $2,511 with USAA, while the highest rate is $11,240 through Farmers.
Is bundling home and auto insurance cheaper in Michigan?
Bundling home and auto insurance typically costs more than buying separate policies in Michigan, based on our research. While looking for the cheapest option, make sure you have enough coverage for major losses.
Best Auto and Home Insurance Bundle in Michigan: Our Methodology
Bundle Scoring System
MoneyGeek used data from the Michigan Department of Insurance and Financial Services and Quadrant Information Services to calculate home and vehicle insurance rates. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual scores for home and auto insurance. We also looked at each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Michigan
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Michigan
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.