Best Homeowners Insurance in Michigan
Michigan homeowners get the best overall rate for home insurance with Citizens Insurance Group of the Midwest, at an average of $1,004 a year.
Michigan’s cheapest home insurance companies
Citizens Insurance Group of the Midwest (CIGM) has the cheapest homeowners insurance rate in Michigan, with an average of $1,004 a year. AAA is next at $1,904 a year.
To compare, the average home insurance rate in Michigan is $2,467 a year.
Cheapest home insurance companies in Michigan
| Company | Average annual rate |
|---|---|
| CIGM | $1,004 |
| AAA | $1,904 |
| USAA* | $2,156 |
| State Farm | $2,259 |
| Great Northern | $2,464 |
| Frankenmuth | $2,676 |
| Farmers | $4,803 |
Best homeowners insurance companies in Michigan
CIGM, State Farm, Frankenmuth and USAA are the best home insurance companies in Michigan based on cost, customer satisfaction and other factors.
| Company | Average annual rate | Overall satisfaction (higher is better) | Complaint index (lower is better) |
|---|---|---|---|
| Best overall: CIGM | $1,004 | NA | 0.83 (below average) |
| Most popular: State Farm | $2,259 | 873 (above average) | 1.69 (above average) |
| Lowest complaint rating: Frankenmuth | $2,676 | NA | 0.18 (below average) |
| Best for military families: USAA | $2,156 | 899 (above average) | 2.26 (poor) |
Sources: J.D. Power’s 2024 Property Claims Satisfaction Study and 2022 complaint data from the National Association of Insurance Commissioners (NAIC).
Best overall: CIGM
CIGM provides the best combination of cost and customer satisfaction in Michigan. Its average home insurance rate of $1,004 a year is less than half the state average rate of $2,467.
CIGM’s NAIC Complaint Index of 0.83, which reflects its claim-based complaints compared to similar-sized insurers, is well under the national average rating of 1.0.
| Pros | Cons |
|---|---|
Lowest average rate in Michigan Below-average complaint index Easy claim filing | No local offices |
Most popular: State Farm
State Farm has a 9.2% market share for property and casualty insurance in the U.S., according to the National Association of Insurance Commissioners (NAIC). This is the highest share of the insurers we surveyed in Michigan.
J.D. Power gave State Farm an above-average rating of 873 out of 1,000 for overall customer satisfaction in its 2024 Property Claims Satisfaction Study. The average satisfaction rating is 869.
| Pros | Cons |
|---|---|
Average rate below state average High customer satisfaction rating Good discounts | High complaint rating |
Best complaint rate: Frankenmuth
Frankenmuth has the lowest complaint rate of the Michigan insurance companies we surveyed, at 0.18. This is well below the average NAIC Complaint Index of 1.0.
| Pros | Cons |
|---|---|
Good complaint resolution | Average home insurance rate higher than state average No online insurance quotes |
Best for military members: USAA
USAA offers home insurance perks tailor-made for military members. This includes coverage of personal property damaged by an act of war and coverage of military uniforms with no deductible.
| Pros | Cons |
|---|---|
Coverage especially for Armed Forces members Below-average home insurance rate Excellent customer satisfaction and complaint ratings | Only available to active duty and retired military, as well as their families No assigned agents |
Cost of home insurance in Michigan
The average cost of homeowners insurance in Michigan is $2,467 a year. This is 12% less than the national average of $2,801.
Home insurers use many different factors when calculating your quote, including:
- Your ZIP code
- Construction materials used to build your home
- Age of home
- Your claim history
- Policy coverage limits and deductibles
- Discounts
While home insurance policy offerings tend to be similar from company to company, they rarely cost the same. This is because home insurance companies weigh rate and risk factors differently. One company may see the age of your home as a higher risk than another company, for example.
To get the best home insurance coverage for your needs at the cheapest price, compare home insurance quotes from several companies.
Home insurance rates by coverage amounts
The dwelling coverage limit you choose affects your home insurance quote. For example, there’s a $618 cost difference between a $350,000 and a $450,000 home insurance policy in Michigan.
Home insurance cost by dwelling coverage limit
| Coverage amount | Average annual rate |
|---|---|
| $350,000 | $2,146 |
| $400,000 | $2,467 |
| $450,000 | $2,764 |
When choosing your dwelling coverage limit, make sure it equals the replacement value of your home in the event of a total loss. This is usually less than your home’s market value.
Michigan home insurance rates by city
Ann Arbor has the lowest average home insurance rate of $1,747 in Michigan. Highland Park has the state’s highest average rate of $5,403 a year.
Home insurance rates by city
| City | Average annual rate |
|---|---|
| Acme | $2,161 |
| Addison | $2,186 |
| Adrian | $1,993 |
| Afton | $2,051 |
| Ahmeek | $1,922 |
| Alanson | $1,900 |
| Alba | $2,006 |
| Albion | $2,296 |
| Alden | $1,931 |
| Alger | $2,063 |
| Algonac | $2,189 |
| Allegan | $2,090 |
| Allen Park | $2,765 |
| Allendale | $1,829 |
| Allenton | $2,245 |
| Allouez | $1,834 |
| Alma | $2,213 |
| Almont | $2,141 |
| Alpena | $1,933 |
| Alpha | $1,991 |
| Alto | $1,944 |
| Amasa | $1,960 |
| Anchorville | $2,207 |
| Ann Arbor | $1,747 |
| Applegate | $2,272 |
| Argentine | $2,237 |
| Armada | $2,309 |
| Arnold | $2,129 |
| Ashley | $2,106 |
| Athens | $2,207 |
| Atlanta | $1,954 |
| Atlantic Mine | $1,821 |
| Attica | $2,283 |
| Au Gres | $2,125 |
| Au Sable | $2,002 |
| Au Train | $1,934 |
| Auburn | $1,973 |
| Auburn Hills | $2,248 |
| Augusta | $2,036 |
| Avoca | $2,150 |
| Azalia | $2,105 |
| Bad Axe | $2,042 |
| Bailey | $2,075 |
| Baldwin | $1,992 |
| Bancroft | $2,157 |
| Bangor | $2,463 |
| Bannister | $2,119 |
| Baraga | $2,030 |
| Barbeau | $2,095 |
| Barryton | $2,140 |
| Barton City | $2,003 |
| Bath | $1,895 |
| Battle Creek | $2,146 |
| Bay City | $1,979 |
| Bay Port | $2,030 |
| Bay Shore | $2,104 |
| Beaver Island | $1,882 |
| Beaverton | $2,090 |
| Bedford | $2,464 |
| Beecher | $4,043 |
| Beechwood | $1,958 |
| Belding | $2,135 |
| Bellaire | $1,946 |
| Belleville | $2,915 |
| Belmont | $2,022 |
| Bentley | $2,096 |
| Benton Harbor | $2,415 |
| Benton Heights | $2,422 |
| Bergland | $1,986 |
| Berkley | $2,350 |
| Berrien Center | $2,498 |
| Berrien Springs | $2,353 |
| Bessemer | $1,959 |
| Beulah | $1,905 |
| Beverly Hills | $2,452 |
| Big Bay | $2,083 |
| Big Rapids | $2,019 |
| Bingham Farms | $2,483 |
| Birch Run | $2,471 |
| Birmingham | $2,290 |
| Bitely | $2,167 |
| Black River | $1,908 |
| Blanchard | $2,250 |
| Blissfield | $2,183 |
| Bloomfield Hills | $2,356 |
| Boon | $1,923 |
| Boyne City | $1,917 |
| Boyne Falls | $1,915 |
| Bradley | $2,541 |
| Branch | $2,021 |
| Breckenridge | $2,063 |
| Breedsville | $2,428 |
| Brethren | $1,936 |
| Bridgeport | $3,052 |
| Bridgman | $2,284 |
| Brighton | $2,027 |
| Brimley | $2,066 |
| Britton | $2,185 |
| Brohman | $2,114 |
| Bronson | $2,289 |
| Brooklyn | $2,146 |
| Brown City | $2,151 |
| Brownlee Park | $2,156 |
| Bruce Crossing | $2,067 |
| Brutus | $1,940 |
| Buchanan | $2,426 |
| Buckley | $1,853 |
| Buena Vista | $3,256 |
| Burnips | $2,460 |
| Burr Oak | $2,379 |
| Burt | $2,452 |
| Burt Lake | $2,140 |
| Burton | $2,875 |
| Byron | $2,252 |
| Byron Center | $1,799 |
| Cadillac | $1,964 |
| Calumet | $1,805 |
| Canadian Lakes | $1,990 |
| Cannonsburg | $2,393 |
| Capac | $2,356 |
| Carleton | $2,513 |
| Carney | $1,985 |
| Caro | $2,165 |
| Carrollton | $2,202 |
| Carson City | $1,904 |
| Carsonville | $2,203 |
| Caseville | $2,031 |
| Caspian | $1,983 |
| Cass City | $2,127 |
| Cassopolis | $2,596 |
| Cedar | $1,832 |
| Cedar Lake | $2,053 |
| Cedar Springs | $1,999 |
| Cedarville | $1,947 |
| Cement City | $2,243 |
| Center Line | $2,519 |
| Central Lake | $1,945 |
| Centreville | $2,255 |
| Ceresco | $2,248 |
| Champion | $2,015 |
| Channing | $1,927 |
| Charlevoix | $1,880 |
| Charlotte | $2,145 |
| Chatham | $1,998 |
| Cheboygan | $1,853 |
| Chelsea | $1,882 |
| Chesaning | $2,357 |
| Chippewa Lake | $2,033 |
| Clare | $2,282 |
| Clarklake | $2,118 |
| Clarkston | $2,222 |
| Clarksville | $2,025 |
| Clawson | $2,186 |
| Clayton | $2,327 |
| Clifford | $2,213 |
| Climax | $2,148 |
| Clinton | $2,033 |
| Clio | $2,520 |
| Cloverdale | $2,154 |
| Coldwater | $2,288 |
| Coleman | $2,227 |
| Coloma | $2,507 |
| Colon | $2,384 |
| Columbiaville | $2,312 |
| Comins | $2,126 |
| Comstock Northwest | $2,145 |
| Comstock Park | $1,944 |
| Conklin | $2,011 |
| Constantine | $2,353 |
| Cooks | $1,932 |
| Coopersville | $1,931 |
| Copemish | $2,128 |
| Copper City | $1,941 |
| Copper Harbor | $1,909 |
| Coral | $2,181 |
| Cornell | $1,947 |
| Corunna | $2,104 |
| Covington | $2,055 |
| Cross Village | $1,862 |
| Croswell | $2,270 |
| Crystal Falls | $1,948 |
| Curran | $1,957 |
| Curtis | $2,154 |
| Custer | $2,028 |
| Cutlerville | $1,780 |
| Daggett | $2,014 |
| Dansville | $2,050 |
| Davisburg | $2,210 |
| Davison | $2,241 |
| De Tour Village | $2,098 |
| Dearborn | $3,304 |
| Dearborn Heights | $3,190 |
| Decatur | $2,487 |
| Decker | $2,246 |
| Deckerville | $2,108 |
| Deerfield | $2,093 |
| Deerton | $1,955 |
| Deford | $2,148 |
| Delton | $2,064 |
| Detroit | $5,038 |
| Detroit Beach | $2,306 |
| DeWitt | $2,047 |
| Dexter | $1,982 |
| Dimondale | $1,939 |
| Dodgeville | $1,853 |
| Dollar Bay | $1,879 |
| Douglas | $1,982 |
| Dowagiac | $2,399 |
| Dowling | $2,084 |
| Drayton Plains | $2,546 |
| Drummond Island | $2,186 |
| Dundee | $2,349 |
| Durand | $2,419 |
| East Grand Rapids | $1,997 |
| East Jordan | $1,894 |
| East Lansing | $1,979 |
| East Leroy | $2,198 |
| East Tawas | $1,989 |
| Eastlake | $2,103 |
| Eastpointe | $2,721 |
| Eastport | $2,025 |
| Eastwood | $2,003 |
| Eaton Rapids | $2,092 |
| Eau Claire | $2,373 |
| Eben Junction | $2,017 |
| Eckerman | $2,138 |
| Ecorse | $4,804 |
| Edgemont Park | $1,911 |
| Edmore | $2,150 |
| Edwardsburg | $2,597 |
| Elberta | $2,057 |
| Elk Rapids | $1,927 |
| Elkton | $2,010 |
| Ellsworth | $1,954 |
| Elm Hall | $2,152 |
| Elmira | $2,134 |
| Elsie | $2,005 |
| Elwell | $2,110 |
| Engadine | $2,198 |
| Escanaba | $1,894 |
| Essexville | $2,029 |
| Evart | $2,141 |
| Ewen | $2,063 |
| Fair Haven | $2,179 |
| Fair Plain | $2,433 |
| Fairgrove | $1,993 |
| Fairview | $2,028 |
| Falmouth | $2,042 |
| Farmington | $2,358 |
| Farmington Hills | $2,436 |
| Farwell | $2,242 |
| Felch | $1,920 |
| Fennville | $1,993 |
| Fenton | $2,130 |
| Fenwick | $2,064 |
| Ferndale | $2,574 |
| Ferrysburg | $2,039 |
| Fife Lake | $2,003 |
| Filer City | $1,974 |
| Filion | $2,032 |
| Flat Rock | $2,581 |
| Flint | $3,826 |
| Flushing | $2,521 |
| Forest Hills | $1,927 |
| Forestville | $2,082 |
| Foster City | $1,911 |
| Fostoria | $2,324 |
| Fountain | $2,011 |
| Fowler | $1,915 |
| Fowlerville | $2,155 |
| Frankenmuth | $2,300 |
| Frankfort | $1,942 |
| Franklin | $2,498 |
| Fraser | $2,325 |
| Freeland | $2,111 |
| Freeport | $1,958 |
| Fremont | $2,137 |
| Frontier | $2,344 |
| Fruitport | $2,050 |
| Fulton | $2,166 |
| Gaastra | $1,959 |
| Gagetown | $2,116 |
| Galesburg | $2,101 |
| Galien | $2,314 |
| Garden | $1,964 |
| Garden City | $2,493 |
| Gaylord | $1,980 |
| Genesee | $2,593 |
| Germfask | $1,943 |
| Gibraltar | $2,725 |
| Gladstone | $1,916 |
| Gladwin | $2,110 |
| Glenn | $2,119 |
| Glennie | $2,026 |
| Gobles | $2,327 |
| Goetzville | $2,113 |
| Good Hart | $1,899 |
| Goodells | $2,128 |
| Goodrich | $2,246 |
| Gould City | $2,174 |
| Gowen | $2,079 |
| Grand Beach | $2,395 |
| Grand Blanc | $2,298 |
| Grand Haven | $1,868 |
| Grand Junction | $2,268 |
| Grand Ledge | $1,984 |
| Grand Marais | $2,070 |
| Grand Rapids | $1,972 |
| Grandville | $1,789 |
| Grass Lake | $2,029 |
| Grawn | $1,909 |
| Grayling | $1,975 |
| Greenville | $2,024 |
| Gregory | $2,046 |
| Greilickville | $1,762 |
| Grosse Pointe | $2,749 |
| Grosse Pointe Farms | $2,719 |
| Grosse Pointe Park | $2,799 |
| Grosse Pointe Woods | $2,683 |
| Gulliver | $2,132 |
| Gwinn | $2,143 |
| Hagar Shores | $3,327 |
| Hale | $2,074 |
| Hamilton | $2,033 |
| Hamtramck | $5,307 |
| Hancock | $1,782 |
| Hanover | $2,115 |
| Harbert | $2,327 |
| Harbor Beach | $1,974 |
| Harbor Springs | $1,953 |
| Harper Woods | $3,528 |
| Harrietta | $2,001 |
| Harrison | $2,218 |
| Harsens Island | $2,294 |
| Hart | $2,078 |
| Hartford | $2,424 |
| Haslett | $1,948 |
| Hastings | $2,074 |
| Hawks | $1,881 |
| Hazel Park | $2,962 |
| Hemlock | $2,108 |
| Henderson | $2,018 |
| Hermansville | $1,962 |
| Herron | $2,124 |
| Hesperia | $2,100 |
| Hessel | $2,363 |
| Hickory Corners | $2,087 |
| Higgins Lake | $2,090 |
| Highland Park | $5,403 |
| Hillsdale | $2,175 |
| Holland | $1,932 |
| Holly | $2,154 |
| Holt | $1,967 |
| Homer | $2,371 |
| Honor | $1,957 |
| Horton | $2,055 |
| Houghton | $1,811 |
| Houghton Lake | $2,078 |
| Houghton Lake Heights | $2,090 |
| Howard City | $2,134 |
| Howell | $2,138 |
| Hubbard Lake | $1,943 |
| Hubbardston | $2,048 |
| Hubbell | $1,922 |
| Hudson | $2,215 |
| Hudsonville | $1,891 |
| Hulbert | $2,127 |
| Huntington Woods | $2,432 |
| Idlewild | $2,001 |
| Imlay City | $2,332 |
| Indian River | $1,987 |
| Ingalls | $2,038 |
| Inkster | $3,238 |
| Interlochen | $1,962 |
| Ionia | $2,147 |
| Iron Mountain | $1,893 |
| Iron River | $1,886 |
| Irons | $1,993 |
| Ironwood | $2,049 |
| Ishpeming | $1,937 |
| Ithaca | $2,123 |
| Jackson | $2,150 |
| Jasper | $2,160 |
| Jeddo | $2,146 |
| Jenison | $1,809 |
| Jerome | $2,265 |
| Johannesburg | $1,960 |
| Jones | $2,461 |
| Jonesville | $2,257 |
| K. I. Sawyer | $2,131 |
| Kalamazoo | $2,057 |
| Kaleva | $2,104 |
| Kalkaska | $1,972 |
| Kearsarge | $2,543 |
| Keego Harbor | $2,449 |
| Kendall | $3,032 |
| Kent City | $2,054 |
| Kentwood | $2,002 |
| Kewadin | $1,839 |
| Kincheloe | $2,076 |
| Kinde | $2,021 |
| Kingsford | $1,882 |
| Kingsley | $1,931 |
| L'Anse | $1,905 |
| Lachine | $2,002 |
| Lacota | $2,501 |
| Laingsburg | $1,992 |
| Lake | $2,202 |
| Lake Angelus | $2,275 |
| Lake Ann | $1,912 |
| Lake City | $2,016 |
| Lake Fenton | $2,107 |
| Lake George | $2,093 |
| Lake Isabella | $2,211 |
| Lake Leelanau | $1,785 |
| Lake Linden | $1,800 |
| Lake Michigan Beach | $2,516 |
| Lake Odessa | $2,168 |
| Lake Orion | $2,348 |
| Lakeland | $2,125 |
| Lakes of the North | $1,960 |
| Lakeside | $2,349 |
| Lakeview | $2,177 |
| Lakeville | $2,188 |
| Lakewood Club | $2,202 |
| Lambertville | $2,119 |
| Lamont | $2,035 |
| Lansing | $1,944 |
| Lapeer | $2,113 |
| Lathrup Village | $2,894 |
| Laurium | $1,802 |
| Lawrence | $2,511 |
| Lawton | $2,365 |
| Lennon | $2,333 |
| Leonard | $2,283 |
| Leroy | $2,005 |
| Leslie | $1,974 |
| Level Park-Oak Park | $2,177 |
| Levering | $1,939 |
| Lewiston | $2,018 |
| Lexington | $2,163 |
| Limestone | $1,998 |
| Lincoln | $1,951 |
| Lincoln Park | $2,997 |
| Linden | $2,239 |
| Linwood | $1,978 |
| Litchfield | $2,326 |
| Little Lake | $2,052 |
| Livonia | $2,375 |
| Long Lake | $2,077 |
| Loomis | $2,255 |
| Loretto | $1,934 |
| Lowell | $1,905 |
| Ludington | $1,970 |
| Luna Pier | $2,209 |
| Lupton | $2,038 |
| Luther | $1,988 |
| Luzerne | $2,035 |
| Macatawa | $1,941 |
| Mackinac Island | $1,991 |
| Mackinaw City | $1,873 |
| Madison Heights | $2,464 |
| Mancelona | $1,941 |
| Manchester | $1,929 |
| Manistee | $1,970 |
| Manistee Lake | $2,047 |
| Manistique | $2,001 |
| Manitou Beach-Devils Lake | $2,240 |
| Manton | $1,875 |
| Maple City | $1,784 |
| Maple Rapids | $1,943 |
| Marcellus | $2,409 |
| Marine City | $2,120 |
| Marlette | $2,221 |
| Marne | $1,966 |
| Marquette | $1,832 |
| Marshall | $2,395 |
| Marysville | $2,263 |
| Mason | $1,998 |
| Mass City | $2,088 |
| Mattawan | $2,294 |
| Maybee | $2,285 |
| Mayville | $2,245 |
| McBain | $2,079 |
| McBride | $2,200 |
| Mcbrides | $2,200 |
| McMillan | $2,128 |
| Mears | $2,217 |
| Mecosta | $2,118 |
| Melvin | $2,117 |
| Melvindale | $3,103 |
| Memphis | $2,074 |
| Mendon | $2,404 |
| Menominee | $2,064 |
| Merrill | $2,098 |
| Merritt | $2,080 |
| Mesick | $1,857 |
| Metamora | $2,052 |
| Michigamme | $2,018 |
| Michigan Center | $2,195 |
| Middleton | $2,027 |
| Middletown | $2,110 |
| Middleville | $1,953 |
| Midland | $1,942 |
| Mikado | $1,979 |
| Milan | $2,056 |
| Milford | $2,208 |
| Millersburg | $1,863 |
| Millington | $2,330 |
| Minden City | $2,090 |
| Mio | $2,055 |
| Mohawk | $1,878 |
| Moline | $2,032 |
| Monroe | $2,304 |
| Montague | $2,208 |
| Montgomery | $2,357 |
| Montrose | $2,594 |
| Moran | $1,960 |
| Morenci | $2,325 |
| Morley | $2,136 |
| Morrice | $2,119 |
| Mosherville | $2,245 |
| Mount Clemens | $2,187 |
| Mount Morris | $3,007 |
| Mount Pleasant | $2,111 |
| Muir | $2,159 |
| Mullett Lake | $1,897 |
| Mulliken | $2,053 |
| Munger | $2,014 |
| Munising | $2,017 |
| Munith | $2,084 |
| Muskegon | $2,280 |
| Muskegon Heights | $2,352 |
| Nadeau | $1,839 |
| Napoleon | $2,106 |
| Nashville | $2,134 |
| National City | $2,127 |
| National Mine | $2,261 |
| Naubinway | $2,152 |
| Nazareth | $2,490 |
| Negaunee | $1,922 |
| New Baltimore | $2,172 |
| New Boston | $2,697 |
| New Buffalo | $2,376 |
| New Era | $2,064 |
| New Haven | $2,177 |
| New Hudson | $2,229 |
| New Lothrop | $2,184 |
| New Troy | $2,334 |
| Newaygo | $2,119 |
| Newberry | $2,233 |
| Newport | $2,398 |
| Niles | $2,452 |
| Nisula | $1,973 |
| North Adams | $2,116 |
| North Branch | $2,328 |
| North Muskegon | $2,307 |
| North Street | $2,095 |
| Northport | $1,807 |
| Northview | $1,962 |
| Northville | $2,140 |
| Norton Shores | $2,264 |
| Norvell | $2,141 |
| Norway | $1,901 |
| Novi | $2,201 |
| Nunica | $2,074 |
| Oak Hill | $2,001 |
| Oak Park | $3,124 |
| Oakley | $2,201 |
| Oden | $1,966 |
| Okemos | $1,877 |
| Old Mission | $1,792 |
| Olivet | $2,058 |
| Omena | $1,848 |
| Omer | $2,191 |
| Onaway | $1,823 |
| Onsted | $2,111 |
| Ontonagon | $1,921 |
| Orchard Lake Village | $2,435 |
| Ortonville | $2,173 |
| Oscoda | $2,002 |
| Osseo | $2,360 |
| Ossineke | $2,077 |
| Otisville | $2,323 |
| Otsego | $2,155 |
| Ottawa Lake | $2,080 |
| Otter Lake | $2,292 |
| Ovid | $1,944 |
| Owendale | $2,017 |
| Owosso | $2,067 |
| Oxford | $2,238 |
| Painesdale | $1,929 |
| Palmer | $2,063 |
| Palms | $2,111 |
| Palo | $2,133 |
| Paradise | $1,981 |
| Parchment | $2,107 |
| Paris | $2,177 |
| Paw Paw | $2,348 |
| Paw Paw Lake | $2,517 |
| Pearl Beach | $2,217 |
| Peck | $2,216 |
| Pelkie | $1,940 |
| Pellston | $1,836 |
| Pentwater | $2,054 |
| Perkins | $2,031 |
| Perrinton | $2,035 |
| Perronville | $2,000 |
| Perry | $2,002 |
| Petersburg | $2,093 |
| Petoskey | $1,871 |
| Pewamo | $1,967 |
| Pigeon | $2,046 |
| Pinckney | $2,152 |
| Plainwell | $2,150 |
| Pleasant Lake | $2,063 |
| Pleasant Ridge | $2,410 |
| Plymouth | $2,014 |
| Pointe Aux Pins | $1,871 |
| Pompeii | $2,060 |
| Pontiac | $3,082 |
| Port Hope | $2,022 |
| Port Huron | $2,095 |
| Port Sanilac | $2,239 |
| Portage | $1,958 |
| Portland | $2,057 |
| Potterville | $2,165 |
| Powers | $1,883 |
| Prescott | $2,144 |
| Presque Isle Harbor | $1,886 |
| Prudenville | $2,061 |
| Pullman | $2,064 |
| Quinnesec | $1,924 |
| Ralph | $1,861 |
| Ramsay | $1,939 |
| Rapid City | $2,022 |
| Rapid River | $1,943 |
| Ravenna | $1,986 |
| Reed City | $2,088 |
| Reese | $2,083 |
| Remus | $2,162 |
| Rhodes | $2,059 |
| Richmond | $2,118 |
| Richville | $2,463 |
| Riga | $2,135 |
| River Rouge | $3,986 |
| Riverdale | $2,258 |
| Riverview | $3,176 |
| Rives Junction | $2,121 |
| Robin Glen-Indiantown | $3,262 |
| Rochester | $2,179 |
| Rochester Hills | $2,182 |
| Rock | $1,979 |
| Rockford | $1,912 |
| Rockland | $1,879 |
| Rockwood | $2,712 |
| Rodney | $2,055 |
| Rogers City | $1,795 |
| Romeo | $2,112 |
| Romulus | $3,068 |
| Roosevelt Park | $2,196 |
| Roscommon | $1,997 |
| Rose City | $2,042 |
| Rosebush | $2,019 |
| Roseville | $2,613 |
| Rothbury | $2,115 |
| Royal Oak | $2,245 |
| Rumely | $2,016 |
| Ruth | $1,994 |
| Saginaw | $2,813 |
| Salem | $2,032 |
| Saline | $1,837 |
| Samaria | $2,032 |
| Sand Creek | $2,117 |
| Sand Lake | $2,105 |
| Sandusky | $2,190 |
| Sanford | $2,286 |
| Saranac | $2,068 |
| Sault Ste. Marie | $2,030 |
| Sawyer | $2,311 |
| Schoolcraft | $2,142 |
| Scotts | $2,101 |
| Scottville | $1,898 |
| Sears | $2,075 |
| Sebewaing | $1,994 |
| Seney | $2,016 |
| Shaftsburg | $2,016 |
| Shelby | $2,045 |
| Shelbyville | $2,036 |
| Shepherd | $2,331 |
| Sheridan | $2,042 |
| Shingleton | $1,927 |
| Shoreham | $2,194 |
| Sidnaw | $2,014 |
| Silverwood | $2,226 |
| Six Lakes | $2,196 |
| Skanee | $2,004 |
| Smiths Creek | $2,183 |
| Smyrna | $2,755 |
| Snover | $2,209 |
| Somerset Center | $2,234 |
| South Boardman | $1,998 |
| South Branch | $2,025 |
| South Gull Lake | $2,022 |
| South Haven | $2,455 |
| South Lyon | $2,177 |
| South Monroe | $2,307 |
| South Range | $1,893 |
| South Rockwood | $2,291 |
| Southfield | $3,015 |
| Southgate | $2,947 |
| Spalding | $2,031 |
| Sparta | $2,050 |
| Spring Arbor | $2,205 |
| Spring Lake | $2,041 |
| Springfield | $2,158 |
| Springport | $2,107 |
| Spruce | $1,949 |
| St. Charles | $2,277 |
| St. Clair | $2,104 |
| St. Clair Shores | $2,508 |
| St. Helen | $2,123 |
| St. Ignace | $1,943 |
| St. Johns | $1,910 |
| St. Joseph | $2,155 |
| St. Louis | $2,095 |
| Standish | $2,073 |
| Stanton | $2,147 |
| Stanwood | $2,010 |
| Stephenson | $2,023 |
| Sterling | $2,206 |
| Sterling Heights | $2,451 |
| Stevensville | $2,194 |
| Stockbridge | $2,165 |
| Sturgis | $2,311 |
| Sumner | $2,182 |
| Swartz Creek | $2,350 |
| Sylvan Beach | $2,593 |
| Sylvan Lake | $2,377 |
| Tawas City | $2,063 |
| Taylor | $2,875 |
| Tecumseh | $2,084 |
| Tekonsha | $2,332 |
| Temperance | $2,035 |
| Thompsonville | $1,951 |
| Three Oaks | $2,329 |
| Three Rivers | $2,243 |
| Tipton | $2,049 |
| Toivola | $1,858 |
| Topinabee | $1,976 |
| Tower | $1,893 |
| Traverse City | $1,775 |
| Trenary | $1,933 |
| Trenton | $2,423 |
| Trout Creek | $2,038 |
| Trout Lake | $2,089 |
| Trowbridge Park | $1,838 |
| Troy | $2,191 |
| Trufant | $2,118 |
| Tustin | $2,033 |
| Twin Lake | $2,213 |
| Twining | $2,181 |
| Ubly | $2,068 |
| Union | $2,529 |
| Union City | $2,445 |
| Union Lake | $2,612 |
| Union Pier | $2,358 |
| Unionville | $2,077 |
| University Center | $2,305 |
| Utica | $2,266 |
| Vandalia | $2,522 |
| Vanderbilt | $1,977 |
| Vandercook Lake | $2,200 |
| Vassar | $2,178 |
| Vermontville | $2,108 |
| Vernon | $2,252 |
| Vestaburg | $2,142 |
| Vicksburg | $2,166 |
| Vulcan | $1,927 |
| Wacousta | $2,032 |
| Wakefield | $2,000 |
| Waldron | $2,426 |
| Walhalla | $2,134 |
| Walker | $1,957 |
| Walkerville | $2,052 |
| Wallace | $1,984 |
| Walled Lake | $2,467 |
| Walloon Lake | $1,930 |
| Warren | $3,280 |
| Waters | $1,945 |
| Watervliet | $2,534 |
| Watton | $2,039 |
| Waverly | $1,994 |
| Wayland | $2,045 |
| Wayne | $2,997 |
| Webberville | $1,944 |
| Weidman | $2,224 |
| Wells | $1,916 |
| Wellston | $1,984 |
| West Branch | $2,143 |
| West Ishpeming | $1,957 |
| West Monroe | $2,305 |
| West Olive | $1,917 |
| Westland | $2,852 |
| Weston | $2,161 |
| Westphalia | $1,964 |
| Westwood | $2,060 |
| Wetmore | $1,997 |
| White Cloud | $2,157 |
| White Pine | $2,028 |
| Whitehall | $2,125 |
| Whitmore Lake | $2,041 |
| Whittaker | $2,130 |
| Whittemore | $2,005 |
| Williamsburg | $1,910 |
| Williamston | $1,936 |
| Willis | $2,097 |
| Wilson | $2,065 |
| Winn | $2,087 |
| Wixom | $2,250 |
| Wolf Lake | $2,326 |
| Wolverine | $2,066 |
| Wolverine Lake | $2,465 |
| Woodhaven | $2,412 |
| Woodland Beach | $2,306 |
| Wyandotte | $3,158 |
| Wyoming | $1,952 |
| Yale | $2,196 |
| Ypsilanti | $2,210 |
| Zeeland | $1,858 |
Methodology
The rates shown in this article are based on non-binding quotes collected from Quadrant Information Services. Your rates may vary. Average rates were compiled from rates in Michigan. The following coverages and deductible were used unless otherwise noted:
- $400,000 dwelling coverage
- $40,000 other structures
- $200,000 personal property
- $80,000 loss of use coverage
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible
*USAA is only available to active duty and veteran military members and their families.