Michigan Insurance Company Review

We've looked at over 1,000 insurance companies, rating them on strength, accessibility, and service to find the best ones. Here's what people think about Michigan Insurance Company.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.


Michigan Insurance Company at a Glance

  • Founded in 1889
  • Offers personal and commercial insurance
  • Rated "A" (excellent) by AM Best
  • Rated "A+" (excellent) by the Better Business Bureau (BBB)

Michigan Insurance Company pros: High ratings through AM Best and the BBB. Several types of coverage available. Offers personal and business coverages. Offers 24/7 phone claims reporting. Discounts available.

Michigan Insurance Company cons: Some mixed customer feedback. Official website and social media pages could use an update. Not BBB accredited. 

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does Michigan Insurance Company Offer?

Here's a look at some of the insurance products offered by Michigan Insurance Company:

  • Auto insurance
  • Home insurance
  • Boat insurance
  • Business owners policy
  • Workers' comp
  • Contractors errors and omissions

Your independent insurance agent can help you find more information about the coverages offered by Michigan Insurance Company and help you decide if this insurance company is right for you.

What to Know about Michigan Insurance Company

Founded in 1889, Michigan Insurance Company has well over a century's worth of experience in the insurance industry. Michigan Insurance Company is a part of the Donegal Insurance Group, and was acquired by them in 2010. The carrier is a privately-held insurance company.

Michigan Insurance Company offers several forms of personal and commercial coverages, including home, auto, and boat insurance, workers' comp, and more. Their LinkedIn social media profile states that they have 67 employees.

Thanks to their large catalog of products and longstanding history in the industry, Michigan Insurance Company has earned a reputation over time as a reputable and financially sound insurance company. AM Best gives Michigan Insurance an overall “A” rating, indicating the carrier is an excellent choice.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. 


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What Discounts Does Michigan Insurance Company Offer?

Here are some of the discounts offered by Michigan Insurance Company on their auto 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 coverage. For more information about Michigan Insurance's discounts, work with an independent insurance agent. Independent insurance agents work hard to get you the most affordable coverage.

Michigan Insurance Company 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:

Day Hours (EST)

Monday-Friday 8 am - 6 pm

Saturday CLOSED


To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.

Michigan Insurance Company FAQ

What is Michigan Insurance Company's average claim response time frame?

Michigan Insurance Company states that a representative will follow up with customers on the next business day after a claim has been filed. 

What is Michigan Insurance Company's customer service availability?

Michigan Insurance Company allows customers to contact them at typical business hours by phone during the week, as well as 24/7 by phone for claims reporting. 

What is Michigan Insurance Company's claims process?

Michigan Insurance Company does not provide much detail about their 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. 

Does Michigan Insurance Company create a user-friendly experience for customers?

Michigan Insurance Company's official website could use a bit of an update, at least stylistically. The carrier does have a social media presence, but their LinkedIn profile is very bare, overall making for a sub-par, user-friendly experience. 

Does Michigan Insurance Company have good insurance?

Michigan Insurance Company's auto policies come with the typical coverages you'd expect, and offer the following options:

  • Collision coverage 
  • Other than collision, AKA 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.

Is Michigan Insurance Company a good insurance company?

Michigan Insurance Company is highly rated by AM Best and the BBB. Their customer feedback is a bit mixed, but mostly positive. The carrier also has a long history in the insurance industry and solid financial strength.

Michigan Insurance Company Customer Reviews

5 Stars
Very reasonably priced insurance, no hassle and very friendly agents. They helped me out when I needed to insure a new vehicle and found the best policy for my other vehicles as well.

We have had a good experience with this company. We have only had a couple of claims, and they sent a check quickly.

5 Stars
They are cheap and good. It is easy to get and start the insurance.

They seem to be a great company; however, my premium is quite high. I would like to see incentives and loyalty points. I have been with this company since 2008.

5 Stars
Michigan Insurance is a great company, they are fair and have fair prices. They tackle an issue right away when one arises and they work with you on payments. They try to find you the lowest price available with the best coverage.

TrustedChoice.com's Final Review

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 by AM Best and the BBB. They offer several forms of personal and business coverages.

The carrier's website could use a bit of an update and so could their social media accounts. Customer feedback is mostly positive overall. They also offer 24/7 claims reporting via phone.

Overall, we recommend asking your independent insurance agent about Michigan Insurance Company, and if they'd be a good choice as your next trusted carrier.

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