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Michigan has high insurance rates, so finding great auto insurance in Battle Creek, Michigan is important to most local drivers. Named for its closeness to a river of the same name, Battle Creek has more than 52,000 residents and is a relatively safe place to drive compared to some other parts of the country.

Our review team conducted extensive research to find the best auto 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, fill out the form below or call (855) 518-0148 to see what’s available in your state.

 

In This Article:

Best Auto Insurance In Battle Creek, Michigan

After performing in-depth research into the top insurance companies, we have determined that MetLife, USAA, and Progressive are the best choices for auto insurance in Battle Creek, Michigan. Our research looked at coverage, cost, the claims process, and overall customer experience.

Since Michiganders are already paying significantly more for coverage, finding the best policy for the lowest price is on nearly everyone’s mind. We researched the best auto insurance companies in Michigan and found the following to be the best choices based on overall customer satisfaction, the ease of the claims process, and the quality of coverage.

Best Auto Insurance For Battle Creek, Michigan Our Overall Rating Customer Service Rating Affordability Rating Coverage Rating

1. MetLife Car Insurance

4.0

3.5

3.5

4.0

2. USAA Car Insurance

5.0

5.0

4.5

4.5

3. Progressive Car Insurance

4.5 3.5 3.5 4.0

*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. 

 


 

MetLife Insurance logo

#1 MetLife Insurance: Best Overall

With over 145 years of experience, MetLife isn’t just an industry leader within the United States, but around the world. The company operates in 50 countries and continues to expand. In addition to auto insurance, MetLife offers life, homeowners, and health insurance, plus retirement and savings products. MetLife boasts over 100 million customers, and the company 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 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 costs
  • Lease/loan guaranteed asset protection (GAP) coverage
Pros Cons
Low insurance rates

Average customer service experience

Generous benefits

 

Significant discounts

 

The option to either work with a local agent or do everything online

 

To learn more about the car insurance provider, check out our review of MetLife auto insurance.

 


 

USAA Insurance logo

#2 USAA Insurance: Best For Military

For those who serve or have served in the military and their immediate family members, USAA is an outstanding option. USAA has the highest financial strength rating given by AM Best and has topped the charts in many J.D. Power studies.

The car insurance company ranked first in the Consumer Reports study “The Secret Score Behind Your Rates” on the most affordable car insurance for Michigan residents with an “Excellent” or “Good” credit rating. USAA also received a 5.0-star rating from our review team for its excellent claims servicing, availability, and cost.

Along with standard coverage, you can get roadside assistance, rental car reimbursement, and more with USAA.

Pros Cons

Affordability

Only available for military families

Excellent customer service

 

High number of coverage options

 

Good for military families

 

 

To learn more about the car insurance provider, check out our review of USAA car insurance.


 

Progressive Insurance logo

#3 Progressive Insurance: Best For High-Risk Drivers

Progressive is one of the biggest auto insurance providers in the United States. It has thousands of positive reviews from satisfied customers and high ratings from top names in the auto industry like the Better Business Bureau (BBB) and AM Best.

In the Consumer Reports study “The Secret Score Behind Your Rates,” Progressive’s insurance rates for Michigan residents placed second lowest in cost for applicants with “Excellent,” “Good,” and “Poor” credit scores. USAA car insurance had a better rate for some residents, but USAA is restricted to military members and their families.

Because of its outstanding reputation and affordable cost, Progressive is our top overall pick for auto insurance in Battle Creek, Michigan.

When you buy insurance from Progressive, your insurance options include standard coverages like comprehensive car insurance, collision insurance, and liability car insurance, as well as add-ons like custom parts and equipment value. Progressive also offers a usage-based insurance plan called Snapshot, which can save safe drivers considerable amounts of money.

Pros Cons
Affordability

Does not offer military discount

Technology-savvy

 

Multiple add-on options

 

Several money-saving features

 

To learn more about the car insurance provider, check out our review of Progressive car insurance.

To get started comparing auto insurance quotes to find the cheapest Michigan car insurance, enter your zip code in the tool below or call our team at (855) 518-0148.

 

 

Minimum Requirements For Auto Insurance: Battle Creek, M.I.

Before you buy auto insurance in Battle Creek, Michigan, it is helpful to know what the minimum required level of coverage is in this city. Each state in the country regulates the 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 states with no-fault insurance, which means that your own car insurance company will pay out some or all of your medical claims for an accident, regardless of who is at fault. In most states, claims are paid solely through 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 its rates on an individual driver’s risk level as easily in these states.

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.

Until July 2020, MIchigan residents are required to purchase unlimited PIP. Starting in July 2020, Michigan residents will have more choice of coverage. For most, the minimum amount of coverage will be $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 amount of coverage.

 


 

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
Liability coverage $873.73
Collision coverage $462.80
Comprehensive coverage $157.50
Total cost $1,358.62
 

*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.

 


 

How Much Auto Insurance Do You Need In Battle Creek, M.I.?

Since auto insurance in Battle Creek, Michigan is costly, you should look for insurance companies that offer affordable coverage along with great service.

No matter where you are in the United States, we recommend that you purchase full coverage car insurance when possible for maximum protection of your financial assets. Full coverage consists of liability, comprehensive, and collision insurance.

It is also wise to purchase uninsured motorist coverage in Battle Creek. According to the III, 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.

The U.S. Department of Transportation Federal Highway Administration reports that Michigan residents only drive about 9,840 miles per capita, which is below average for the nation. However, Michigan ranks 34th among U.S. states in number of accidents according to Geotab. That’s why collision coverage can be important. Battle Creek residents who purchase collision coverage might consider asking for a higher deductible to lower monthly payments.

 


 

Final Thoughts On Auto Insurance: Battle Creek, Michigan

We reviewed more than 12 top providers to determine that Metlife, USAA, and Progressive are the best choices for auto insurance in Battle Creek, Michigan.

Anytime 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 (855) 518-0148 to start comparing personalized car insurance quotes: