Affordable Home Insurance in Michigan
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What drives home insurance rates in Michigan
Average homeowners premium, 2023
$1,110
The average homeowners policy in Michigan cost $1,110 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
90.4¢
Home insurers in Michigan paid 90.4 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
99
NOAA logged 18 tornado, 75 large-hail and 6 flash-flood event reports in Michigan in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#17
FEMA ranks Michigan #17 of 51 for expected annual loss from natural hazards; flood accounts for 53% of that loss, and flood damage needs a separate flood policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in Michigan
The ten insurer groups that wrote the most home premium in Michigan in 2025, with their share of the state total of $4.7 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 17.57% | $833 million |
| 2 | Auto Owners Group | 17.12% | $812 million |
| 3 | Automobile Club Mi Group | 13.72% | $650 million |
| 4 | The Hanover Insurance Group | 7.46% | $354 million |
| 5 | Allstate Insurance Group | 7.05% | $334 million |
| 6 | Michigan Farm Bureau Group | 5.41% | $257 million |
| 7 | American Family Insurance Group | 4.5% | $214 million |
| 8 | Liberty Mutual Group | 3.93% | $186 million |
| 9 | Farmers Insurance Group | 3.77% | $178 million |
| 10 | United Services Automobile Association Group | 3.15% | $149 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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