Local Insurance Agents in Michigan

Find the best agent for your insurance needs

AL Spearman insurance agent in michigan

Al Spearman

 ✔ verified 

“Coverage you can trust.”

Insurance Products – Business Insurance, Personal Insurance

Associated CarriersSafeCo, Progressive, Berkshire Hathaway, Hippo, Nationwide, Allstate, National General, Neptune, Wright Flood, US Assure, Hagerty, American Modern, Lemonade, JIBNA, Jewelers Mutual, Amwins, Foremost, Bristol West, and other insurance companies

📍Redford Charter Township, Michigan, 48239
Cameron insurance agent in Michigan

Cameron Robinson

 ✔ verified 

“Stay informed”

Insurance ProductsContractors Insurance, Landscaping Insurance, General Contractor Insurance, Lawyers Insurance, Accounting Insurance, Entertainment Insurance, Beauty Insurance, Food Business Insurance, Restaurant Insurance, Pet Business Insurance

Associated Carriers – Farmers Insurance, Foremost Star, Bristol West, Kraft Lake, Haggerty

📍Davison, Michigan, 48423
insurance agent in michigan

Arianna Engnell

No games. No gimmicks. Just proper protection at fair prices.

📍Michigan, Michigan, 48362
local insurance agents in michigan

Anthony Mccowin

“To help secure families legacies one home at a time!”

Associated Carriers Aetna, Molina, Humana, United Healthcare, Aetna, Transamerica, Gerber, Mutual of Omaha, Lumico, John Hancock, Breeze

📍Oak Park, Michigan, 48237
Austin Smith insurance agent

Austin Smith

“No games. No gimmicks. Just proper protection at fair prices.”

📍Orion Township, Michigan, 48362

Find Agents for Different Coverages in Michigan

Home Insurance

Auto Insurance

Business Insurance

life insurance

Life Insurance

With a population of over 10 million, Michigan is the tenth most populous state in the United States. It is also home to some of the most popular tourist destinations in the country, including Mackinac Island, Detroit, Traverse City, and the Upper Peninsula. 

However, Michigan is not without its dangers. The state has a high crime rate, and its winters are notoriously harsh. The Michigan lake frequently affects the state’s weather, especially during severe winters with a lot of snow. Similarly, crime rates in Michigan are higher than the national average, and Detroit is one of the most dangerous cities in the country. Michigan also has a problem with wildfires. In Michigan, firefighters respond to 10,000 to 12,000 wildfires each year. This makes getting insured in Michigan a must, especially if you live there. 

Despite its dangers, Michigan is a beautiful state with a lot to offer. To truly make the most of your time in Michigan, choose a local insurance agent and get insurance for you and everything you love right away. 


Why Agency Height?

Local Coverage Expertise- Explore top agents who best understand your location, local laws, and needs.   

The Power to Choose- Talk to an agent or five, the choice is yours! Get multiple quotes and pick the one you like best. 

Hassle-free process– No unwanted calls. Book free consultations with only the ones you choose. 

Popular Coverages in Michigan

Depending on your insurance requirements, there are several different insurance options available in Michigan. These are the most popular coverages in the state of Michigan: 

Home Insurance 

  • Personal property coverage 
  • Personal Liability and Medical Payment to Others 
  • Dwelling (Property damage to your home) 
  • Wind/hail 
  • Hurricane damage 
  • Additional Living Expenses/Loss of Rent 
  • Flood Insurance 
  • Personal property replacement cost 
  • Escape of Water 
  • Inflation protection 

Car Insurance

  • Collision/Comprehensive Coverage  
  • No-Fault (Personal Injury Protection) 
  • Bodily Injury Liability 
  • Property Damage Liability 
  • Uninsured/Underinsured Motorist Coverage 

Business Insurance 

  • Business Owners’ Policy (BOP) 
  • General Liability Insurance 
  • Workers’ Compensation Insurance 
  • Professional Liability Insurance 
  • Employees Practices Liability 
  • Data Breach Insurance 
  • Business Income Insurance 

Life Insurance 

  • Term Life Insurance 
  • Universal Life Insurance 
  • Whole Life Insurance 
  • Interest  
  • Variable Life Insurance 

Average Insurance Rates in Michigan

In Michigan, house insurance is subject to competitive state law regulation. In light of this, rates cannot be regarded as being too high as long as there is competition among businesses.  

However, due to the fact that Michigan is a no-fault state, and requires mandatory additional coverage, the state has a high cost of auto insurance. Find out the average annual premium rates of various types of insurance in the state. 

Type of Insurance Average Annual Premium Rates
Car Insurance $2,345 
Home Insurance $1,911 
Business Insurance $100 -$1,000 
Life Insurance $610

Frequently Asked Questions

How do I get homeowner's insurance in Michigan?

To get you started, our website offers a number of insurance dos and don’ts that might assist you in finding the best homeowner’s insurance for your requirements. If you want to get started right away, get in touch with an insurance broker or schedule a free consultation with one of our local insurance agents in Michigan.  

What is the minimum auto insurance coverage required in Michigan?

In Michigan, drivers are required to carry a 20/40/10 no-fault insurance coverage. Therefore, liability insurance with minimum limits of $20,000 per person, $40,000 per accident, and at least $10,000 in coverage for property damage is mandatory in the state.   

Personal injury protection (PIP) and property protection insurance are also mandated under Michigan’s auto insurance laws for drivers (PPI).  

How much does renters insurance cost in Michigan?

Renters insurance in Michigan typically costs $26 monthly or $316 annually.  

Is renters' insurance mandatory in Michigan?

Unlike vehicle insurance, the state of Michigan does not mandate renters insurance. Nevertheless, to live in their building, some landlords might insist on it. It’s generally a good idea to obtain at least some type of coverage, as your landlord’s insurance does not cover any harm to your personal property.  

How much does condo insurance cost in Michigan?

For insurance coverage of $40,000 in personal property, $100,000 in liability, and a $1000 deductible, condo owners in Michigan pay an average of $592 annually or $49 per month.  

What are some of the best life insurance companies in Michigan?

State Farm, Prudential, AIG, Pacific Life, and MassMutual are some of Michigan’s best life insurance companies.  

Is it advisable to get wildfire insurance in Michigan?

Most All-Risk (HO-3) homeowner insurance policies in Michigan cover fire damage. All structures on your property may be covered by basic property owner’s insurance (garage, shed, fences). However, your HO-3 insurance policy could not cover it if you live in a high-risk region where wildfires are common; therefore, it’s essential to check your homeowners insurance policy. 

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