Compare the Best Homeowners Insurance in Michigan for 2026
We’ve named Allstate as the best homeowners insurance company in Michigan, thanks to its low rates and range of coverage options
- Allstate has the best home insurance in Michigan, with low rates and many coverage options.
- Homeowners insurance in Michigan averages $2,545 a year.
- Detroit home policies can cost far more than the state average, due to crime and other factors.
Best homeowners insurance in Michigan
Allstate offers the best homeowners insurance in Michigan, thanks to the cheapest rates and valuable coverage options like yard cleanup and water backup protection.
Other standouts in the Mitten State are Auto-Owners, with its affordable premiums and low customer complaint score, and Farmers Insurance, with its long list of discounts.
Best overall: Allstate
Average annual rate: $1,410
Why we chose it: Allstate has the cheapest homeowners insurance in Michigan, with an average annual rate of $1,410. Allstate’s add-ons, like yard cleanup and water backup coverage, can better cover your home against Michigan’s erratic weather. Allstate has plenty of agencies located throughout the state, but you can also manage your policy online or via mobile app.
Who it’s best for: Michiganders looking for cheap homeowners insurance from a large insurance company
PROS
- Cheapest homeowners insurance in MI
- Lots of coverage options
- Customer service available 24/7 (English and Spanish)
CONS
- No discounts for new homes
-
Higher-than-average NAIC complaints
An NAIC rating of 1.0 means the number of confirmed complaints is average for a company of that size. Ratings below 1.0 are better than average, while those above 1.0 are worse.
Best for great customer service: Auto-Owners
Average annual rate: $1,589
Why we chose it: Auto-Owners has one of the lowest NAIC customer complaint index scores
Who it’s best for: Michigan homeowners who value customer service as well as price
PROS
- Low customer complaint index score
- Local agents in tune with Michigan homeowner needs
- Low rates
CONS
- Not everyone prefers working with an agent
- Mobile app for iOS devices is poorly rated
Best for discounts and bundling: Farmers
Average annual rate: $2,875
Why we chose it: Farmers says that policyholders who bundle their home and auto insurance save an average of 20%. In general, Farmers offers more savings opportunities than most companies, including a discount for simply paying your bill on time.
Who it’s best for: Homeowners looking to bundle their home and auto or otherwise qualify for other discounts
PROS
- Easy-to-get discounts
- Coverage add-on to help you upgrade (not just replace) your roof after a claim
- Good (low) customer complaint score
CONS
- Premiums can be high, especially if you don’t qualify for discounts
- Customer service is not available 24/7 (English and Spanish)
Compare home insurance rates and ratings in Michigan
Every insurance carrier has its own way of calculating rates, so your offers can be wildly different. Comparing homeowners insurance quotes from a wide range of companies can help you find the best deal.
| Company | Average annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| Allstate | $1,410 | | 1.18 |
| Auto-Owners | $1,589 | | 0.51 |
 | State Farm | $1,665 | | 1.35 |
 | AAA | $1,717 |  | 2.04 |
 | Frankenmuth | $2,250 | NA | 0.12 |
 | Westfield | $2,473 | | 0.52 |
 | Cincinatti | $2,637 | | 0.18 |
 | PURE | $2,703 |  | 0.08 |
 | Progressive | $2,760 | | 1.79 |
| Farmers | $2,871 | | 0.71 |
LendingTree analyzed thousands of quotes from top insurers across Michigan to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is homeowners insurance in Michigan?
In Michigan, homeowners insurance costs an average of $2,545 a year, or $212 a month. That’s about 9% lower than the national average of $2,628.
But not all Michiganders pay cheap insurance premiums. How much coverage you carry and where you live within the state also has a large impact on the cost of homeowners insurance.
Average home insurance rates by dwelling coverage amount
Dwelling coverage pays for damage to your home caused by a covered claim, like fire or hail. The more coverage you have, the higher the premium.
How much dwelling coverage you need is based on your home’s replacement cost, or what it would cost to rebuild or repair your home today — not how much you paid for it. Your insurance agent or an online application will help you figure out how much coverage makes sense for you.
| Insurance company | $300,000 coverage | $400,000 coverage | $550,000 coverage | $750,000 coverage |
|---|---|---|---|---|
| Allstate | $1,095 | $1,410 | $1,853 | $2,593 |
| Auto-Owners | $1,303 | $1,589 | $1,993 | $2,471 |
| Farmers Insurance | $2,135 | $2,871 | $4,093 | $5,500 |
| State average | $1,998 | $2,545 | $3,435 | $4,603 |
Home insurance rates in Michigan by city
Residents of Northport pay the lowest homeowners premiums insurance in Michigan, at $2,337 per year on average. In Omena, average premiums are $2,359, making it the second-cheapest city.
With an average premium of $6,931, Detroit is far and away the most expensive city for homeowners insurance in Michigan. That’s 172% more than the state average. Nearby Hamtramck is just a little lower, at $6,574.
| City | Annual rate |
|---|---|
| Acme | $2,635 |
| Addison | $3,029 |
| Adrian | $2,834 |
| Afton | $2,852 |
| Ahmeek | $2,827 |
| Alanson | $2,748 |
| Alba | $2,820 |
| Albion | $3,277 |
| Alden | $2,773 |
| Alger | $3,252 |
| Algonac | $2,996 |
| Allegan | $2,801 |
| Allen Park | $3,791 |
| Allendale | $2,744 |
| Allenton | $2,966 |
| Allouez | $2,832 |
| Alma | $2,989 |
| Almont | $3,093 |
| Alpena | $2,588 |
| Alpha | $2,720 |
| Alto | $2,632 |
| Amasa | $2,713 |
| Anchorville | $2,954 |
| Ann Arbor | $2,427 |
| Applegate | $3,118 |
| Argentine | $3,144 |
| Armada | $3,120 |
| Arnold | $2,972 |
| Ashley | $2,962 |
| Athens | $3,225 |
| Atlanta | $2,857 |
| Atlantic Mine | $2,587 |
| Attica | $3,235 |
| Au Gres | $3,118 |
| Au Sable | $2,829 |
| Au Train | $2,694 |
| Auburn | $2,778 |
| Auburn Hills | $3,236 |
| Augusta | $2,969 |
| Avoca | $2,905 |
| Azalia | $3,094 |
| Bad Axe | $2,982 |
| Bailey | $2,974 |
| Baldwin | $3,021 |
| Bancroft | $3,147 |
| Bangor | $3,653 |
| Bannister | $2,979 |
| Baraga | $2,796 |
| Barbeau | $2,748 |
| Barryton | $3,018 |
| Barton City | $2,800 |
| Bath | $2,828 |
| Battle Creek | $3,239 |
| Bay City | $2,750 |
| Bay Port | $2,908 |
| Bay Shore | $2,583 |
| Beaver Island | $2,614 |
| Beaverton | $3,075 |
| Bedford | $3,451 |
| Beecher | $4,461 |
| Beechwood | $2,627 |
| Belding | $3,265 |
| Bellaire | $2,948 |
| Belleville | $3,485 |
| Belmont | $2,596 |
| Bentley | $3,113 |
| Benton Harbor | $3,943 |
| Benton Heights | $3,785 |
| Bergland | $2,827 |
| Berkley | $3,267 |
| Berrien Center | $3,352 |
| Berrien Springs | $3,182 |
| Bessemer | $3,005 |
| Beulah | $2,531 |
| Beverly Hills | $3,204 |
| Big Bay | $2,929 |
| Big Rapids | $2,977 |
| Bingham Farms | $3,256 |
| Birch Run | $3,493 |
| Birmingham | $3,031 |
| Bitely | $3,128 |
| Black River | $2,693 |
| Blanchard | $3,055 |
| Blissfield | $2,980 |
| Bloomfield Hills | $3,179 |
| Boon | $2,845 |
| Boyne City | $2,546 |
| Boyne Falls | $2,693 |
| Bradley | $3,021 |
| Branch | $2,935 |
| Breckenridge | $3,151 |
| Breedsville | $3,625 |
| Brethren | $2,867 |
| Bridgeport | $3,980 |
| Bridgman | $3,237 |
| Brighton | $2,725 |
| Brimley | $2,778 |
| Britton | $2,934 |
| Brohman | $3,111 |
| Bronson | $3,091 |
| Brooklyn | $2,889 |
| Brown City | $3,064 |
| Brownlee Park | $3,151 |
| Bruce Crossing | $3,032 |
| Brutus | $2,666 |
| Buchanan | $3,636 |
| Buckley | $2,695 |
| Buena Vista | $3,846 |
| Burnips | $2,960 |
| Burr Oak | $3,314 |
| Burt | $3,357 |
| Burt Lake | $2,685 |
| Burton | $3,678 |
| Byron | $3,218 |
| Byron Center | $2,573 |
| Cadillac | $2,649 |
| Calumet | $2,543 |
| Canadian Lakes | $2,828 |
| Cannonsburg | $2,756 |
| Capac | $3,089 |
| Carleton | $3,279 |
| Carney | $3,326 |
| Caro | $3,127 |
| Carrollton | $3,247 |
| Carson City | $2,972 |
| Carsonville | $3,106 |
| Caseville | $2,935 |
| Caspian | $2,936 |
| Cass City | $3,120 |
| Cassopolis | $3,536 |
| Cedar | $2,501 |
| Cedar Lake | $2,940 |
| Cedar Springs | $2,800 |
| Cedarville | $2,677 |
| Cement City | $3,040 |
| Center Line | $3,475 |
| Central Lake | $3,086 |
| Centreville | $3,467 |
| Ceresco | $3,205 |
| Champion | $2,934 |
| Channing | $2,802 |
| Charlevoix | $2,458 |
| Charlotte | $3,093 |
| Chatham | $2,798 |
| Cheboygan | $2,701 |
| Chelsea | $2,576 |
| Chesaning | $3,365 |
| Chippewa Lake | $2,976 |
| Clare | $3,085 |
| Clarklake | $2,853 |
| Clarkston | $2,937 |
| Clarksville | $3,193 |
| Clawson | $3,155 |
| Clayton | $3,185 |
| Clifford | $3,221 |
| Climax | $3,003 |
| Clinton | $2,798 |
| Clio | $3,333 |
| Cloverdale | $3,285 |
| Coldwater | $3,005 |
| Coleman | $3,011 |
| Coloma | $3,467 |
| Colon | $3,288 |
| Columbiaville | $3,241 |
| Comins | $2,945 |
| Comstock Northwest | $3,039 |
| Comstock Park | $2,642 |
| Conklin | $2,823 |
| Constantine | $3,347 |
| Cooks | $2,834 |
| Coopersville | $2,716 |
| Copemish | $2,921 |
| Copper City | $2,584 |
| Copper Harbor | $2,840 |
| Coral | $3,158 |
| Cornell | $2,632 |
| Corunna | $3,205 |
| Covington | $2,844 |
| Cross Village | $2,741 |
| Croswell | $3,069 |
| Crystal Falls | $2,708 |
| Curran | $2,769 |
| Curtis | $2,803 |
| Custer | $2,829 |
| Cutlerville | $2,567 |
| Daggett | $3,345 |
| Dansville | $2,954 |
| Davisburg | $3,004 |
| Davison | $3,024 |
| De Tour Village | $2,799 |
| Dearborn | $4,076 |
| Dearborn Heights | $3,998 |
| Decatur | $3,646 |
| Decker | $3,201 |
| Deckerville | $3,059 |
| Deerfield | $2,944 |
| Deerton | $2,672 |
| Deford | $3,181 |
| Delton | $3,209 |
| Detroit | $6,931 |
| Detroit Beach | $3,168 |
| DeWitt | $2,608 |
| Dexter | $2,611 |
| Dimondale | $2,951 |
| Dodgeville | $2,612 |
| Dollar Bay | $2,597 |
| Douglas | $3,132 |
| Dowagiac | $3,456 |
| Dowling | $3,222 |
| Drayton Plains | $3,442 |
| Drummond Island | $2,834 |
| Dundee | $3,092 |
| Durand | $3,315 |
| East Grand Rapids | $2,656 |
| East Jordan | $2,710 |
| East Lansing | $2,820 |
| East Leroy | $3,178 |
| East Tawas | $2,941 |
| Eastlake | $2,912 |
| Eastpointe | $3,599 |
| Eastport | $2,742 |
| Eastwood | $3,020 |
| Eaton Rapids | $3,141 |
| Eau Claire | $3,285 |
| Eben Junction | $2,736 |
| Eckerman | $2,862 |
| Ecorse | $5,226 |
| Edgemont Park | $2,908 |
| Edmore | $2,986 |
| Edwardsburg | $3,539 |
| Elberta | $2,673 |
| Elk Rapids | $2,534 |
| Elkton | $2,933 |
| Ellsworth | $2,632 |
| Elm Hall | $2,977 |
| Elmira | $2,815 |
| Elsie | $2,956 |
| Elwell | $3,033 |
| Engadine | $2,832 |
| Escanaba | $2,569 |
| Essexville | $2,822 |
| Evart | $2,892 |
| Ewen | $2,852 |
| Fair Haven | $2,923 |
| Fair Plain | $3,599 |
| Fairgrove | $3,054 |
| Fairview | $2,926 |
| Falmouth | $2,924 |
| Farmington | $3,242 |
| Farmington Hills | $3,204 |
| Farwell | $3,057 |
| Felch | $2,534 |
| Fennville | $3,078 |
| Fenton | $2,891 |
| Fenwick | $3,064 |
| Ferndale | $3,839 |
| Ferrysburg | $2,694 |
| Fife Lake | $2,840 |
| Filer City | $2,826 |
| Filion | $3,039 |
| Flat Rock | $3,309 |
| Flint | $5,333 |
| Flushing | $3,314 |
| Forest Hills | $2,610 |
| Forestville | $3,059 |
| Foster City | $2,516 |
| Fostoria | $3,256 |
| Fountain | $2,941 |
| Fowler | $2,733 |
| Fowlerville | $3,012 |
| Frankenmuth | $3,324 |
| Frankfort | $2,603 |
| Franklin | $3,278 |
| Fraser | $3,203 |
| Freeland | $2,896 |
| Freeport | $3,028 |
| Fremont | $3,140 |
| Frontier | $3,132 |
| Fruitport | $2,856 |
| Fulton | $3,052 |
| Gaastra | $2,897 |
| Gagetown | $3,137 |
| Galesburg | $2,990 |
| Galien | $3,404 |
| Garden | $2,631 |
| Garden City | $3,678 |
| Gaylord | $2,740 |
| Genesee | $3,585 |
| Germfask | $2,958 |
| Gibraltar | $3,187 |
| Gladstone | $2,566 |
| Gladwin | $3,167 |
| Glenn | $2,864 |
| Glennie | $2,813 |
| Gobles | $3,402 |
| Goetzville | $2,756 |
| Good Hart | $2,572 |
| Goodells | $2,935 |
| Goodrich | $2,901 |
| Gould City | $2,807 |
| Gowen | $2,960 |
| Grand Beach | $3,199 |
| Grand Blanc | $2,958 |
| Grand Haven | $2,508 |
| Grand Junction | $3,382 |
| Grand Ledge | $2,777 |
| Grand Marais | $2,773 |
| Grand Rapids | $2,940 |
| Grandville | $2,660 |
| Grass Lake | $2,895 |
| Grawn | $2,530 |
| Grayling | $2,905 |
| Greenville | $3,024 |
| Gregory | $2,881 |
| Greilickville | $2,481 |
| Grosse Pointe | $3,672 |
| Grosse Pointe Farms | $3,264 |
| Grosse Pointe Park | $3,403 |
| Grosse Pointe Woods | $3,309 |
| Gulliver | $2,973 |
| Gwinn | $2,921 |
| Hagar Shores | $3,708 |
| Hale | $2,960 |
| Hamilton | $2,968 |
| Hamtramck | $6,574 |
| Hancock | $2,571 |
| Hanover | $2,903 |
| Harbert | $3,128 |
| Harbor Beach | $2,944 |
| Harbor Springs | $2,561 |
| Harper Woods | $4,150 |
| Harrietta | $2,876 |
| Harrison | $3,112 |
| Harsens Island | $3,162 |
| Hart | $2,900 |
| Hartford | $3,570 |
| Haslett | $2,658 |
| Hastings | $3,237 |
| Hawks | $2,674 |
| Hazel Park | $4,243 |
| Hemlock | $3,110 |
| Henderson | $3,104 |
| Hermansville | $2,899 |
| Herron | $2,783 |
| Hesperia | $3,175 |
| Hessel | $2,853 |
| Hickory Corners | $3,114 |
| Higgins Lake | $2,945 |
| Highland Park | $5,817 |
| Hillsdale | $2,935 |
| Holland | $2,687 |
| Holly | $2,950 |
| Holt | $2,856 |
| Homer | $3,190 |
| Honor | $2,560 |
| Horton | $2,943 |
| Houghton | $2,532 |
| Houghton Lake | $2,905 |
| Houghton Lake Heights | $2,925 |
| Howard City | $3,201 |
| Howell | $2,899 |
| Hubbard Lake | $2,713 |
| Hubbardston | $3,265 |
| Hubbell | $2,716 |
| Hudson | $3,230 |
| Hudsonville | $2,600 |
| Hulbert | $2,903 |
| Huntington Woods | $3,242 |
| Idlewild | $3,068 |
| Imlay City | $3,117 |
| Indian River | $2,730 |
| Ingalls | $3,336 |
| Inkster | $4,558 |
| Interlochen | $2,553 |
| Ionia | $3,216 |
| Iron Mountain | $2,485 |
| Iron River | $2,783 |
| Irons | $2,985 |
| Ironwood | $3,025 |
| Ishpeming | $2,831 |
| Ithaca | $2,911 |
| Jackson | $3,098 |
| Jasper | $2,870 |
| Jeddo | $2,899 |
| Jenison | $2,497 |
| Jerome | $3,111 |
| Johannesburg | $2,871 |
| Jones | $3,521 |
| Jonesville | $2,910 |
| K. I. Sawyer | $2,935 |
| Kalamazoo | $3,023 |
| Kaleva | $2,907 |
| Kalkaska | $2,815 |
| Kearsarge | $2,931 |
| Keego Harbor | $3,316 |
| Kendall | $3,720 |
| Kent City | $2,969 |
| Kentwood | $2,792 |
| Kewadin | $2,553 |
| Kincheloe | $2,745 |
| Kinde | $2,932 |
| Kingsford | $2,410 |
| Kingsley | $2,539 |
| L’Anse | $2,735 |
| Lachine | $2,715 |
| Lacota | $3,631 |
| Laingsburg | $3,049 |
| Lake | $3,061 |
| Lake Angelus | $3,280 |
| Lake Ann | $2,533 |
| Lake City | $2,837 |
| Lake Fenton | $2,962 |
| Lake George | $2,924 |
| Lake Isabella | $2,830 |
| Lake Leelanau | $2,486 |
| Lake Linden | $2,697 |
| Lake Michigan Beach | $3,382 |
| Lake Odessa | $3,240 |
| Lake Orion | $2,992 |
| Lakeland | $2,745 |
| Lakes of the North | $2,805 |
| Lakeside | $3,136 |
| Lakeview | $3,019 |
| Lakeville | $2,934 |
| Lakewood Club | $2,938 |
| Lambertville | $2,859 |
| Lamont | $2,581 |
| Lansing | $2,929 |
| Lapeer | $3,019 |
| Lathrup Village | $4,003 |
| Laurium | $2,701 |
| Lawrence | $3,535 |
| Lawton | $3,402 |
| Lennon | $3,233 |
| Leonard | $2,961 |
| Leroy | $2,795 |
| Leslie | $3,004 |
| Level Park-Oak Park | $3,235 |
| Levering | $2,642 |
| Lewiston | $2,925 |
| Lexington | $2,968 |
| Limestone | $2,798 |
| Lincoln | $2,786 |
| Lincoln Park | $4,164 |
| Linden | $3,082 |
| Linwood | $2,964 |
| Litchfield | $3,109 |
| Little Lake | $2,955 |
| Livonia | $3,170 |
| Long Lake | $2,891 |
| Loomis | $3,167 |
| Loretto | $2,560 |
| Lowell | $2,662 |
| Ludington | $2,674 |
| Luna Pier | $3,212 |
| Lupton | $3,062 |
| Luther | $2,958 |
| Luzerne | $2,963 |
| Macatawa | $2,594 |
| Mackinac Island | $2,746 |
| Mackinaw City | $2,729 |
| Madison Heights | $3,492 |
| Mancelona | $2,794 |
| Manchester | $2,606 |
| Manistee | $2,784 |
| Manistee Lake | $2,767 |
| Manistique | $2,909 |
| Manitou Beach-Devils Lake | $3,167 |
| Manton | $2,910 |
| Maple City | $2,374 |
| Maple Rapids | $2,854 |
| Marcellus | $3,465 |
| Marine City | $2,976 |
| Marlette | $3,233 |
| Marne | $2,714 |
| Marquette | $2,592 |
| Marshall | $3,173 |
| Marysville | $2,792 |
| Mason | $2,918 |
| Mass City | $2,814 |
| Mattawan | $3,063 |
| Maybee | $3,229 |
| Mayville | $3,270 |
| McBain | $2,817 |
| McBride | $3,009 |
| Mcbrides | $3,009 |
| McMillan | $2,984 |
| Mears | $3,127 |
| Mecosta | $2,870 |
| Melvin | $3,043 |
| Melvindale | $4,312 |
| Memphis | $2,907 |
| Mendon | $3,318 |
| Menominee | $2,735 |
| Merrill | $3,123 |
| Merritt | $2,946 |
| Mesick | $2,831 |
| Metamora | $2,955 |
| Michigamme | $2,965 |
| Michigan Center | $3,116 |
| Middleton | $2,978 |
| Middletown | $3,157 |
| Middleville | $2,949 |
| Midland | $2,525 |
| Mikado | $2,810 |
| Milan | $2,780 |
| Milford | $2,991 |
| Millersburg | $2,683 |
| Millington | $3,317 |
| Minden City | $3,018 |
| Mio | $3,034 |
| Mohawk | $2,840 |
| Moline | $2,890 |
| Monroe | $3,039 |
| Montague | $2,892 |
| Montgomery | $3,106 |
| Montrose | $3,454 |
| Moran | $2,728 |
| Morenci | $3,172 |
| Morley | $3,024 |
| Morrice | $3,113 |
| Mosherville | $3,085 |
| Mount Clemens | $3,133 |
| Mount Morris | $3,901 |
| Mount Pleasant | $2,844 |
| Muir | $3,103 |
| Mullett Lake | $2,801 |
| Mulliken | $2,988 |
| Munger | $2,982 |
| Munising | $2,740 |
| Munith | $2,957 |
| Muskegon | $3,736 |
| Muskegon Heights | $3,862 |
| Nadeau | $2,916 |
| Napoleon | $2,907 |
| Nashville | $3,243 |
| National City | $2,962 |
| National Mine | $3,001 |
| Naubinway | $2,827 |
| Nazareth | $3,080 |
| Negaunee | $2,700 |
| New Baltimore | $2,846 |
| New Boston | $3,510 |
| New Buffalo | $3,191 |
| New Era | $2,998 |
| New Haven | $2,908 |
| New Hudson | $3,022 |
| New Lothrop | $3,218 |
| New Troy | $3,303 |
| Newaygo | $3,041 |
| Newberry | $2,788 |
| Newport | $3,448 |
| Niles | $3,295 |
| Nisula | $2,729 |
| North Adams | $3,031 |
| North Branch | $3,277 |
| North Muskegon | $2,917 |
| North Street | $2,804 |
| Northport | $2,337 |
| Northview | $2,603 |
| Northville | $2,833 |
| Norton Shores | $2,958 |
| Norvell | $3,055 |
| Norway | $2,508 |
| Novi | $2,880 |
| Nunica | $2,790 |
| Oak Hill | $2,825 |
| Oak Park | $4,264 |
| Oakley | $3,283 |
| Oden | $2,812 |
| Okemos | $2,707 |
| Old Mission | $2,452 |
| Olivet | $3,238 |
| Omena | $2,359 |
| Omer | $3,290 |
| Onaway | $2,800 |
| Onsted | $2,908 |
| Ontonagon | $2,759 |
| Orchard Lake Village | $3,227 |
| Ortonville | $2,888 |
| Oscoda | $2,832 |
| Osseo | $3,182 |
| Ossineke | $2,705 |
| Otisville | $3,290 |
| Otsego | $2,940 |
| Ottawa Lake | $2,996 |
| Otter Lake | $3,217 |
| Ovid | $2,849 |
| Owendale | $2,987 |
| Owosso | $3,095 |
| Oxford | $2,879 |
| Painesdale | $2,573 |
| Palmer | $2,717 |
| Palms | $3,015 |
| Palo | $3,185 |
| Paradise | $2,821 |
| Parchment | $3,055 |
| Paris | $3,060 |
| Paw Paw | $3,087 |
| Paw Paw Lake | $3,468 |
| Pearl Beach | $3,082 |
| Peck | $3,064 |
| Pelkie | $2,704 |
| Pellston | $2,549 |
| Pentwater | $2,976 |
| Perkins | $2,770 |
| Perrinton | $2,957 |
| Perronville | $2,913 |
| Perry | $3,113 |
| Petersburg | $2,986 |
| Petoskey | $2,514 |
| Pewamo | $3,052 |
| Pigeon | $2,886 |
| Pinckney | $2,936 |
| Plainwell | $2,882 |
| Pleasant Lake | $2,932 |
| Pleasant Ridge | $3,549 |
| Plymouth | $2,830 |
| Pointe Aux Pins | $2,730 |
| Pompeii | $2,969 |
| Pontiac | $4,254 |
| Port Hope | $3,024 |
| Port Huron | $2,889 |
| Port Sanilac | $2,984 |
| Portage | $2,773 |
| Portland | $3,041 |
| Potterville | $3,088 |
| Powers | $2,959 |
| Prescott | $3,059 |
| Presque Isle Harbor | $2,653 |
| Prudenville | $2,785 |
| Pullman | $3,160 |
| Quinnesec | $2,512 |
| Ralph | $2,756 |
| Ramsay | $2,978 |
| Rapid City | $2,828 |
| Rapid River | $2,727 |
| Ravenna | $2,888 |
| Reed City | $2,868 |
| Reese | $3,150 |
| Remus | $2,876 |
| Rhodes | $3,207 |
| Richmond | $2,867 |
| Richville | $3,294 |
| Riga | $2,949 |
| River Rouge | $4,978 |
| Riverdale | $3,096 |
| Riverview | $3,209 |
| Rives Junction | $2,982 |
| Robin Glen-Indiantown | $3,734 |
| Rochester | $2,743 |
| Rochester Hills | $2,794 |
| Rock | $2,761 |
| Rockford | $2,587 |
| Rockland | $2,801 |
| Rockwood | $3,450 |
| Rodney | $2,857 |
| Rogers City | $2,633 |
| Romeo | $2,876 |
| Romulus | $3,945 |
| Roosevelt Park | $3,202 |
| Roscommon | $2,932 |
| Rose City | $3,044 |
| Rosebush | $2,857 |
| Roseville | $3,573 |
| Rothbury | $3,012 |
| Royal Oak | $3,124 |
| Rumely | $2,773 |
| Ruth | $2,972 |
| Saginaw | $4,318 |
| Salem | $2,827 |
| Saline | $2,496 |
| Samaria | $2,807 |
| Sand Creek | $2,873 |
| Sand Lake | $2,942 |
| Sandusky | $3,057 |
| Sanford | $2,981 |
| Saranac | $3,317 |
| Sault Ste. Marie | $2,539 |
| Sawyer | $3,258 |
| Schoolcraft | $2,965 |
| Scotts | $2,990 |
| Scottville | $2,704 |
| Sears | $2,840 |
| Sebewaing | $2,953 |
| Seney | $2,913 |
| Shaftsburg | $3,009 |
| Shelby | $2,960 |
| Shelbyville | $3,115 |
| Shepherd | $3,089 |
| Sheridan | $3,039 |
| Shingleton | $2,730 |
| Shoreham | $3,009 |
| Sidnaw | $2,767 |
| Silverwood | $3,237 |
| Six Lakes | $3,042 |
| Skanee | $2,777 |
| Smiths Creek | $2,865 |
| Smyrna | $3,560 |
| Snover | $3,169 |
| Somerset Center | $3,061 |
| South Boardman | $2,838 |
| South Branch | $2,990 |
| South Gull Lake | $2,952 |
| South Haven | $3,284 |
| South Lyon | $2,898 |
| South Monroe | $3,002 |
| South Range | $2,575 |
| South Rockwood | $3,370 |
| Southfield | $4,673 |
| Southgate | $3,683 |
| Spalding | $3,050 |
| Sparta | $2,926 |
| Spring Arbor | $2,996 |
| Spring Lake | $2,667 |
| Springfield | $3,264 |
| Springport | $2,988 |
| Spruce | $2,646 |
| St. Charles | $3,325 |
| St. Clair | $2,759 |
| St. Clair Shores | $3,277 |
| St. Helen | $3,164 |
| St. Ignace | $2,651 |
| St. Johns | $2,724 |
| St. Joseph | $3,024 |
| St. Louis | $2,972 |
| Standish | $3,226 |
| Stanton | $3,088 |
| Stanwood | $2,972 |
| Stephenson | $3,335 |
| Sterling | $3,344 |
| Sterling Heights | $3,259 |
| Stevensville | $2,954 |
| Stockbridge | $2,984 |
| Sturgis | $3,259 |
| Sumner | $3,048 |
| Swartz Creek | $3,155 |
| Sylvan Beach | $3,055 |
| Sylvan Lake | $3,317 |
| Tawas City | $2,967 |
| Taylor | $3,983 |
| Tecumseh | $2,776 |
| Tekonsha | $3,162 |
| Temperance | $2,818 |
| Thompsonville | $2,696 |
| Three Oaks | $3,141 |
| Three Rivers | $3,301 |
| Tipton | $2,876 |
| Toivola | $2,561 |
| Topinabee | $2,632 |
| Tower | $2,640 |
| Traverse City | $2,437 |
| Trenary | $2,767 |
| Trenton | $3,043 |
| Trout Creek | $2,891 |
| Trout Lake | $2,794 |
| Trowbridge Park | $2,556 |
| Troy | $2,924 |
| Trufant | $3,190 |
| Tustin | $2,765 |
| Twin Lake | $2,943 |
| Twining | $3,258 |
| Ubly | $2,966 |
| Union | $3,567 |
| Union City | $3,150 |
| Union Lake | $3,154 |
| Union Pier | $3,257 |
| Unionville | $3,144 |
| University Center | $2,905 |
| Utica | $3,018 |
| Vandalia | $3,520 |
| Vanderbilt | $2,739 |
| Vandercook Lake | $3,109 |
| Vassar | $3,167 |
| Vermontville | $3,106 |
| Vernon | $3,227 |
| Vestaburg | $2,986 |
| Vicksburg | $3,242 |
| Vulcan | $2,539 |
| Wacousta | $2,743 |
| Wakefield | $3,021 |
| Waldron | $3,245 |
| Walhalla | $2,843 |
| Walker | $2,676 |
| Walkerville | $3,173 |
| Wallace | $2,813 |
| Walled Lake | $3,162 |
| Walloon Lake | $2,547 |
| Warren | $3,709 |
| Waters | $2,751 |
| Watervliet | $3,465 |
| Watton | $2,852 |
| Waverly | $2,774 |
| Wayland | $3,024 |
| Wayne | $3,937 |
| Webberville | $2,920 |
| Weidman | $2,846 |
| Wells | $2,556 |
| Wellston | $2,867 |
| West Branch | $3,038 |
| West Ishpeming | $2,834 |
| West Monroe | $3,008 |
| West Olive | $2,641 |
| Westland | $3,503 |
| Weston | $2,871 |
| Westphalia | $2,805 |
| Westwood | $3,015 |
| Wetmore | $2,771 |
| White Cloud | $3,242 |
| White Pine | $2,830 |
| Whitehall | $2,935 |
| Whitmore Lake | $2,836 |
| Whittaker | $2,808 |
| Whittemore | $2,972 |
| Williamsburg | $2,559 |
| Williamston | $2,879 |
| Willis | $2,829 |
| Wilson | $3,073 |
| Winn | $2,938 |
| Wixom | $3,087 |
| Wolf Lake | $3,073 |
| Wolverine | $2,880 |
| Wolverine Lake | $3,064 |
| Woodhaven | $3,048 |
| Woodland Beach | $3,165 |
| Wyandotte | $3,533 |
| Wyoming | $2,969 |
| Yale | $2,920 |
| Ypsilanti | $3,103 |
| Zeeland | $2,584 |
The current state of home insurance in Michigan
Michigan has a slightly higher rate of uninsured homes compared to the rest of the country. According to a LendingTree study, about 15% of Michigan homes are uninsured, while 14% are uninsured nationally.
What homeowners should know in the Detroit metro area
Homeowners in and around Detroit pay much higher premiums than the rest of the state, at $578 a month on average. While this amount varies based on ZIP code, all homeowners in the metro area should expect hefty premiums.
Higher home insurance rates in the Detroit metro area may be tied to aging homes and higher concentrations of vacant or abandoned properties. Insurers can associate these with greater risks for fire, vandalism and property crime.
How Michiganders can cut insurance costs
| Cost-cutting idea | How it works |
|---|---|
| Install a security system and sprinklers | Safety and preventive measures can lead to homeowners insurance discounts with some carriers. |
| Update your home | Replacing outdated wiring, plumbing and/or your roof can help reduce your risk for fire and water damage and, in turn, your insurance premium. |
| Maintain good credit | Insurance companies in Michigan can use your credit as a factor when calculating your premium. Lower credit scores mean higher premiums, so improving your credit can help you save. |
Protection for all Michigan homeowners to consider
- Flood insurance: Standard homeowners insurance doesn’t cover flood damage, so you’ll need a separate flood insurance policy. Check whether you live in a flood zone with FEMA’s flood map tool.
- Water backup: Unless you include water backup as an add-on, your homeowners insurance policy probably will not cover damage if your sewer backs up or your sump pump breaks.
- Pipe insulation: Standard homeowners insurance usually covers damage from frozen pipes, unless you turn your heat down and leave your house unoccupied. Still, staying claim-free is key to affordable premiums.
In April 2026, many parts of Michigan saw major flooding from heavy rains and early snow melt. Michigan’s dam infrastructure is also aging, further increasing flood risk.
Even if you don’t live in a flood zone, a flood insurance policy can provide peace of mind against unpredictability.
Compare homeowners insurance companies in Michigan
Affordable coverage is important, but it’s not the only thing you should compare when you’re shopping for homeowners insurance.
Coverage options
Always make sure you’re making an apples-to-apples comparison. Other than company-specific add-ons, the coverage options and limits you choose should match across quotes.
Also, not all the companies offer the same coverage add-ons, technically called policy endorsements. If you want a specific add-on (like water backup), only shop with companies that have it.
Want to learn more about how homeowners insurance works? See our breakdown of homeowners insurance coverage types.
Deductibles
An insurance deductible is an amount of money you must pay out of pocket before your insurance policy will kick in. Higher deductibles generally result in lower premiums. Your deductible should be low enough that you could comfortably pay it with no notice.
Discounts and bundling
Discounts vary by company and can lower your premium significantly. That’s why it’s worthwhile to request a quote even if a company’s rate might initially seem high.
You may also want to get a quote for new auto insurance while you’re shopping for home insurance. A lot of companies offer generous insurance bundling discounts. Don’t forget to check with your current auto insurer for any bundling opportunities, too.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially in states where availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
No, homeowners insurance is not legally required in Michigan. But if you are still making payments on your house, your mortgage company will almost certainly make you have homeowners insurance.
Even if you aren’t required to have homeowners insurance, consider it anyway. Your home may be the largest investment you’ll make in your life, and homeowners insurance protects that investment. Be sure to shop around with multiple companies to find the cheapest homeowners insurance for you.
No, standard homeowners insurance doesn’t cover flooding. If you want coverage against floods, you’ll need to buy a separate policy from a private flood insurance company or FEMA through its National Flood Insurance Program (NFIP).
Yes, standard homeowners insurance does provide some coverage for ice dams. Water and structural damage caused by ice dams are typically covered. However, your personal property (furniture, electronics, etc.) is usually not. You’ll also probably have to pay to get the ice dam removed yourself.
Methodology
How we chose the best homeowner insurance companies in Michigan
The rates shown in this article are based on an analysis of non-binding quotes obtained in 2026 from Quadrant Information Services for sample homes in every Michigan ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our full editorial guidelines for further details.