Michigan Insurance Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She covers topics ranging from car insurance to healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Michigan Insurance Final Score
3 Stars
Founded in 1889, Michigan Insurance has well over a century of experience in the insurance industry. Michigan Insurance Company is a privately held company that has been part of the Donegal Insurance Group since 2010.
Michigan Insurance offers several forms of personal and commercial insurance, including home, auto, and boat insurance, workers' compensation insurance, and more.
Thanks to the carrier's large product catalog and longstanding industry history, Michigan Insurance has earned a reputation as a reputable, financially sound insurance company. AM Best gives Michigan Insurance an overall “A” rating, indicating the carrier is an excellent choice.
We award Michigan Insurance Company a final rating of 3 out of 5 stars. The carrier has a long history in the industry and good ratings from AM Best and the Better Business Bureau (BBB). They offer several types of personal and business insurance products.
The carrier's online and social media presence could use a bit of an update. Michigan Insurance offers 24/7 claims reporting, and overall customer feedback is mixed.
We recommend asking your independent insurance agent if Michigan Insurance is right for your needs.
Michigan Insurance Pros and Cons
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Michigan Insurance Products
Here's a look at some of the insurance products offered by Michigan Insurance:
Personal Insurance
- Auto insurance
- Homeowners insurance
- Boat insurance
- Personal umbrella insurance
- Dwelling fire insurance
Business Insurance
- Businessowners insurance
- BOP/contractor's insurance
- Commercial package policy
- Commercial auto insurance
- Commercial umbrella insurance
- Auto dealers insurance
- Workers' compensation insurance
- Employment practices liability insurance
- Liquor liability insurance
- Contractors errors and omissions insurance
Your independent insurance agent can help you find more information about the products offered by Michigan Insurance and help you decide if this insurance company is right for you. You can also use our national insurance company directory to find the best company to meet your needs.
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Michigan Insurance Discounts
Michigan Insurance offers the following discounts on its auto insurance policies:
- Superior driver discounts
- Good student discounts
- Bundling discounts
- Driver's education course discounts
- Safety features discounts
- Carpool discounts
- Multi-vehicle discounts
Michigan Insurance Company does not provide further details about how to qualify for these discounts or how much they'll save you on your policy. For more information about the carrier's discounts, work with an independent insurance agent.
Michigan Insurance Customer Service
Here's a breakdown of Michigan Insurance Company's customer service options and availability:
- Phone
- Snail mail
- 24/7 phone claims reporting
- Contact form on website
- Customer service department has the following hours:
| Days | Hours (EST) | ||
| Monday-Friday | 8 am - 6 pm | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
To ensure a great customer service experience, work with an independent insurance agent who can help handle claims and other matters for you.
Michigan Insurance Company FAQs
Michigan Insurance Company states that a representative will follow up with customers on the next business day after a claim has been filed.
Michigan Insurance Company allows customers to contact it at typical business hours by phone during the week, as well as 24/7 by phone for claims reporting.
Michigan Insurance Company does not provide much detail about its claims process beyond how to file. However, an independent insurance agent can file claims for you and keep you updated through every step of the process.
Michigan Insurance provides a somewhat user-friendly experience for customers. The company's public website could use a bit of an update, at least stylistically. The carrier does have a social media presence on Facebook, Instagram, and LinkedIn.
Michigan Insurance Company's auto policies come with the typical coverages you'd expect, and offer the following options:
- Collision coverage
- Comprehensive coverage
- Towing and labor coverage
- Rental reimbursement coverage
An independent insurance agent can help you determine if Michigan Insurance Company's auto insurance is a good fit for you.
Michigan Insurance is a good insurance company with room to improve. It is highly rated by AM Best and the BBB. The carrier has a long history in the insurance industry and solid financial strength, but customer feedback is a bit mixed.
https://www.bbb.org/us/mi/grand-rapids/profile/insurance-companies/michigan-insurance-company-0372-22000157
https://www.michiganinsurance.com/home