The Wolverine State has high insurance rates, so finding great auto insurance in Battle Creek, Michigan, is important to most local drivers. Named after the nearby river, Battle Creek has more than 52,000 residents and is a relatively safe place to drive compared to other parts of the country.
Our review team conducted extensive research to find the best car insurance companies in the nation. In this guide, we’ll discuss which of these top providers is the best for Battle Creek auto insurance.
We always recommend getting several auto insurance quotes before you make your final decision. To get started, use the free tool above or call (844) 246-8209 to see what’s available in your area.
Best Auto Insurance In Battle Creek, Michigan
After performing in-depth research, we have determined that MetLife, USAA, Geico, Progressive, Auto-Owners Insurance, and Allstate are the best choices for car insurance in Battle Creek, Michigan. Our research team looked at coverage, costs, the claims process, and overall customer experience to identify the area’s top providers.
On average, Michiganders already pay significantly more for coverage, so finding the best policy for the lowest price should be every driver’s goal. Here are five companies that offer cheap car insurance in Battle Creek.
|Best Auto Insurance For Battle Creek, Michigan||Our Overall Rating||Customer Service Rating||Affordability Rating||Coverage Rating|
|1. MetLife Car Insurance||3.9||4.1||3.7||4|
|2. USAA Car Insurance||4.8||4.7||5||4.8|
|3. Geico Car Insurance||4.6||4.5||4.7||4.3|
|4. Progressive Car Insurance||4.6||4.1||4.7||4.5|
|5. Auto-Owners Car Insurance||4.4||4.5||4.9||4.3|
|6. Allstate Car Insurance||4.2||4.2||3.3||4.5|
*You may notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for auto insurance in Battle Creek, Michigan.
#1 MetLife Insurance: Best Overall For Battle Creek, Michigan
With over 145 years of experience, MetLife isn’t just an industry leader within the United States, but around the world, operating in 50 countries and expanding yearly. In addition to auto insurance, MetLife offers health, life, and homeowners insurance, plus retirement and savings products. The company boasts over 100 million customers and directly serves 90 of the top 100 Fortune 500 companies in the U.S.
MetLife auto insurance has low rates, even in several of the state’s most metropolitan areas, like Detroit, Grand Rapids, Lansing, and Ann Arbor. In addition to standard Michigan car insurance coverages, MetLife offers these benefits:
- New car replacement
- Major parts replacement
- Glass repairs without a deductible
- Roadside assistance and towing coverage
- Legal defense coverage
- Lease or loan guaranteed asset protection (GAP) coverage
To learn more about the car insurance provider, check out our MetLife auto insurance review.
#2 USAA Insurance: Best For Military
For current and former military members and their immediate family members, USAA is an outstanding option for auto insurance in Battle Creek, Michigan.
USAA has the highest financial strength rating given by AM Best and has topped the charts in many J.D. Power studies, including the 2021 U.S. Auto Insurance Satisfaction StudySM for the North Central region (which includes Michigan). USAA also received a 4.8-star rating from our review team for its excellent claims servicing, availability, and low costs.
Along with standard coverage, you can get roadside assistance, rental car reimbursement, and more with USAA.
To learn more about the car insurance provider, check out our USAA car insurance review.
#3 Geico Insurance: 4.6 Stars
Like USAA, Geico maintains the highest financial strength rating given by AM Best and does well in many J.D. Power studies. It scored 837 out of 1,000 points in the 2021 Satisfaction Study for the North Central region, putting it in first place overall.
Geico is the second-largest car insurance company in the U.S., and we named it the best overall provider in our industry-wide auto insurer review. It’s a good choice for drivers in any state because of its quick claims process, wide range of coverage options, high industry standing, and strong customer satisfaction scores.
To learn more about the car insurance provider, check out our Geico car insurance review.
#4 Progressive Insurance: Best For High-Risk Drivers
Progressive is one of the biggest auto insurance providers in the U.S. It has thousands of positive reviews from satisfied customers and high ratings from the BBB and AM Best. Because of its outstanding reputation and affordable cost, Progressive is among our top picks for auto insurance in Battle Creek, Michigan.
When you buy insurance from Progressive, your options include standard coverages like comprehensive car insurance, collision insurance, and liability car insurance, as well as add-ons like custom parts and equipment coverage. Progressive also offers a usage-based insurance plan called Snapshot®, which can save safe drivers considerable amounts of money.
To learn more about the car insurance provider, check out our Progressive car insurance review.
#5 Auto-Owners Insurance: Best For Local Service
Auto-Owners Insurance is only available in a handful of states, but where it’s offered, it often ranks well in J.D. Power surveys. In the 2021 Satisfaction Study for the North Central region, Auto-Owners scored a total of 842 out of 1,000 points, placing it above the regional average of 839 and in sixth place overall.
Auto-Owners is based in Lansing, Michigan, and operates through local licensed agents. This means that a knowledgeable expert on Michigan car insurance can help you find the best coverage for your vehicle.
Policies with Auto-Owners can be inexpensive for those able to take advantage of the insurer’s many discounts, such as those for insuring multiple cars, having multiple policies, paying your premium in full, being a good student, having vehicle safety features, and more.
While it may not have the same level of national recognition as the other providers on this list, Auto-Owners Insurance is a highly-regarded insurer. It has an A+ rating and accreditation from the BBB.
#6 Allstate: 4.2 Stars
Allstate is another choice for auto insurance in Battle Creek, Michigan, that can be purchased through knowledgeable local agents. While some drivers report that Allstate policies are more costly than competitors’ coverage, it remains a high-value option. The insurer has a superior financial strength rating from AM Best and an A+ rating from the BBB.
Coverage options from Allstate include every standard type of car insurance as well as non-standard policy options such as rideshare insurance, classic car insurance, Mexico car insurance coverage, and custom parts coverage.
In the 2021 J.D. Power Satisfaction Study for the North Central region, Allstate scored 827 out of 1,000 points. While companies like Geico, USAA, and Auto-Owners scored higher, Allstate’s score in this survey still indicates an overall positive customer experience.
Minimum Requirements For Auto Insurance: Battle Creek, M.I.
Before you buy auto insurance in Battle Creek, Michigan, it is helpful to know the minimum required level of coverage. Each state in the country regulates its own auto insurance industry through state laws. Here are the minimum requirements for car insurance in Michigan:
|Insurance Type||Required Coverage Amount|
|Bodily injury liability coverage||$20,000 per person and $40,000 per accident|
|Property damage liability coverage||$10,000|
|Personal injury protection||Depends on the individual|
|Property protection insurance||$1,000,000|
Is Michigan A No-Fault State?
Michigan is one of only 12 “no-fault” insurance states, which means that your own car insurance company will pay out some or all of your medical claims after an accident, regardless of who is at fault. In most states, medical claims are paid by the at-fault driver’s insurance company.
No-fault car insurance applies only to car accident injuries. For vehicle damage or property damage resulting from a car accident, you’re typically free to pursue a claim against the at-fault driver. The cost of auto insurance in no-fault states is generally higher for the average citizen because insurance companies cannot base rates on an individual driver’s risk level as easily.
What Is Personal Injury Protection Coverage?
Personal injury protection (PIP) coverage is a type of no-fault car insurance that covers your medical expenses and, in some cases, lost wages and funeral expenses. Regardless of fault, this type of coverage will pay these expenses for you.
Before July 2020, Michigan residents were required to purchase unlimited PIP. Now, certain residents are required to have different levels of coverage. For most, the minimum coverage limit is $250,000. Residents who are on Medicaid, Medicare Part A & B, or have health/accident coverage with a relatively low deductible will be eligible for an even lower PIP limit.
How Much Auto Insurance Should You Purchase?
We’ve gone over state requirements for car insurance in Battle Creek, Michigan, but it’s wise to carry more than the minimum coverage. No matter where you are in the U.S., we recommend purchasing full coverage car insurance for maximum protection of your financial assets. Full coverage consists of liability, comprehensive, and collision insurance.
It is also smart to purchase uninsured motorist coverage in Battle Creek. According to the Insurance Information Institute, over 20 percent of Michigan residents are uninsured – the fourth-highest percentage of uninsured residents in the nation. Even in a no-fault state, the other driver’s auto insurance company is responsible for paying some of your bills. If the driver who hit you is uninsured, you may not receive the amount of money owed to you.
What Is The Average Cost Of Auto Insurance In Michigan?
According to the National Association of Insurance Commissioners (NAIC), the average cost of Michigan car insurance in 2017 was $1,358.62 per year. This is significantly higher than the national average of $1,004.68, making Michigan the second most expensive state in the nation for automobile insurance.
Here’s a closer look at how much drivers spent on liability, collision, and comprehensive coverage in 2017. Not all drivers purchased the same types of coverage or the same limits. Keep in mind that the cost of your own auto insurance in Battle Creek, Michigan, will depend on several factors, including your age, vehicle, gender, and driving experience.
|Type Of Coverage||Average Annual Expenditure in 2017|
*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.
Final Thoughts On Auto Insurance: Battle Creek, Michigan
We reviewed more than 12 top providers to determine that Metlife, USAA, Geico, Progressive, Auto-Owners Insurance, and Allstate are the best choices for auto insurance in Battle Creek, Michigan.
Any time you shop for car insurance, we recommend getting quotes from multiple providers so you can compare auto insurance coverage and rates. In addition to the insurance company you choose, factors such as your age and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
Use the tool below or call (844) 246-8209 to start comparing free, personalized car insurance quotes:
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.