Best Homeowners Insurance in Michigan (from $80 a month)

On average, your neighbors pay $129 a month.

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Michigan has lower average homeowners insurance rates than other parts of the country. Allstate offers the cheapest annual rate of $962 in Michigan. The average cost of homeowners insurance in the state is $1,547 a year, according to our research.

We studied Michigan's homeowners insurance market to find the best companies in the state. We compared the rates, coverages and customer satisfaction ratings of the top homeowners insurance companies in Michigan. In this article, we'll cover:

In this article

Cheapest homeowners insurance in Michigan

Your annual home insurance premium may vary significantly among companies. We found annual premiums as low as $962 in Michigan. When shopping around for homeowners insurance, compare your rate with the average rate from another insurer. Here are the cheapest insurance companies we found in Michigan:

Company Annual average rate
Allstate $962
Auto Club Insurance Association $1,814
Frankenmuth Insurance $1,232
Chubb $1,671
Pioneer State Mutual Insurance $2,212
State Farm $1,567
USAA $1,371
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

What is the average cost of home insurance in Michigan?

The average cost of insuring a home in Michigan is $1,547 a year, or $129 a month. That's $207 lower than the national average of $1,754 a year, or $146 a month.

Your rate may change based on the deductible you choose. Your home insurance deductible is the amount you pay out of pocket when you file a claim, and it affects your annual rate. In general, your premium will be higher if you have a lower deductible. In Michigan, increasing your deductible from $500 to $2,000 saves you about $300 a year.

Deductible Annual average rate
$500 $1,653
$1,000 $1,547
$1,500 $1,484
$2,000 $1,358
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Best home insurance companies in Michigan

The rates highlighted above are statewide averages, and price is only one consideration when choosing an insurer. The best home insurance company for you depends on additional factors, such as coverages and claims experience. We picked the best companies in Michigan, each for a different reason. Here are our choices:

Allstate: best value

Allstate's cheap rates, claims experience and widespread accessibility make it QuoteWizard's choice for the best value in Michigan. Allstate is one of the largest providers of home insurance policies both in Michigan and the U.S. Its size means that you should be able to find an agent close to you, which is especially important if you value face-to-face interaction.

Home insurance rates from Allstate tend to be the cheapest of the pack. We found that Allstate has an average annual rate of $962, which is $585 less than the state average. Most insurance companies offer discounts for bundling policies and making your home safer, and Allstate is no exception. You can save up to 25% when you bundle home and auto policies with Allstate.

The lower price doesn't come at the expense of customer service. Allstate has a score of 829 out of 1,000 in J.D. Power's 2021 U.S. Home Insurance Study, which is four points higher than the segment average.

The table below shows average rates for Allstate home insurance in the 10 most populous cities in Michigan.

City Annual average rate
Detroit $1,555
Grand Rapids $815
Warren $1,193
Sterling Heights $962
Ann Arbor $914
Lansing $855
Clinton township $1,020
Flint $1,407
Dearborn $1,381
Livonia $1,072
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

USAA: best for military members and their families

USAA provides home insurance to active military members, veterans and their families. It offers fair rates at an annual average of $1,371 in Michigan, which is $176 less than the state average.

Overall, USAA customers are satisfied with the company. USAA received a rating of 882 out of 1,000 in J.D. Power's 2021 U.S. Home Insurance Study. USAA's customer service and financial backing make it a logical one-stop shop for qualifying members, as the company offers a number of financial services, including bank accounts, auto insurance and personal loans.

Chubb: best for unique coverages

Chubb's Masterpiece program offers benefits that many home insurance companies don't offer, including:

  • Extended replacement cost coverage
  • Risk consulting (home appraisals)
  • Cash settlement

If your home needs to be repaired or rebuilt, Chubb's extended replacement cost coverage can pay to fix the damage, even if the cost exceeds your policy limit. With Chubb's risk consulting coverage, risk consultants will come to your home for an inspection to make sure you are fully protected. If you also decide not to rebuild your home after a covered loss, Chubb offers a cash settlement, up to your policy limit.

Additionally, Chubb offers HomeScan, which utilizes infrared cameras to find hidden issues like leaks and poor electrical wiring before they become major problems. Chubb also includes cyber insurance in the event of a computer virus.

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Home insurance rates in Michigan by city

We found that out of the 10 biggest cities in Michigan, Ann Arbor has the cheapest home insurance rate of $1,321 a year. Detroit, on the other hand, has the highest annual home insurance rate in the state, at $3,020.

City Annual average rate
Detroit $3,020
Grand Rapids $1,425
Warren $1,768
Sterling Heights $1,599
Ann Arbor $1,321
Lansing $1,610
Clinton township $1,468
Flint $2,302
Dearborn $2,134
Livonia $1,634
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Home insurance rates in Michigan by county

Out of the 10 biggest counties in Michigan, Kent has the cheapest home insurance rate of $1,377 a year. Wayne, the most populous county in Michigan, has the highest annual rate, at $2,271.

County Annual average rate
Wayne $2,271
Oakland $1,703
Macomb $1,595
Kent $1,377
Genesee $1,801
Washtenaw $1,384
Ingham $1,477
Ottawa $1,379
Kalamazoo $1,486
Saginaw $1,685
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Home insurance perils in Michigan

Homeowners rates in Michigan may be affected by weather-related and environmental risks.

  • Flooding: Standard homeowners insurance doesn't cover flood damage, but you can buy a separate flood insurance policy through the National Flood Insurance Program (NFIP) to protect your home and belongings from flooding. Although Michigan isn't a coastal state, residents who live near bodies of water could face flooding. NFIP flood insurance in Michigan has an average annual premium of $1,074.
  • Wind: Michigan residents may experience strong winds. Wind damage is usually covered by homeowners insurance. Your home insurance policy covers your roof, siding, windows, and other structures such as a fence, gazebo or shed.
  • Snow: Heavy snow can cause a roof collapse. Roof damage due to snow is usually covered by homeowners insurance.

Methodology

We obtained quotes for a standard HO-3 homeowners insurance policy on a typical home in every ZIP code in Michigan. Unless otherwise noted, standard policies included the following limits and deductibles:

  • Dwelling: $275,000
  • Other structures: $27,500
  • Personal property: $137,500
  • Loss of use: $55,000
  • Liability: $100,000
  • Medical payments: $5,000
  • Deductible: $1,000

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