The Best Car Insurance for Seniors in Michigan (2025)

AARP members get a ton of savings, including discounts on travel, hotels, and flights. But you may not be aware an AARP membership can also get you discounted car insurance from The Hartford. You’ll receive a 10 percent discount just because of your AARP membership, making for prices as low as $78 a month or $936 a year. That saves you $370 over the average cost of full-coverage auto insurance in Michigan. Plus, the insurance coverages are wide, covering not only Michigan’s lengthy car insurance requirements but also add-ons like:

• Full glass coverage
• Car towing coverage
• Gap insurance
• Personal umbrella insurance
• Rental car reimbursement

Using this insurance, you can insure your vehicle, your classic car, ATV, RV, golf cart, or even snowmobile.

To get a quote from The Hartford, either request a quote online or call 888-413-8970.

While some people appreciate the ease of online quotes, many of my clients prefer to handle their insurance the old-fashioned way: meeting agents in person and discussing their needs. If that’s the case for you, you’ll appreciate the fact that there are 587 local Travelers agents across the state of Michigan, from Ada all the way to Yale. Not every insurance company offers such an extensive network of local agents, or local agents at all, setting Travelers apart from the competition.

Aside from the local agents, Travelers offers gap insurance, rental coverage, roadside assistance, and new car replacement. It rewards safe drivers with discounts, and offers bundles with homeowners, condo, or renters insurance, applying to a wide range of seniors in Michigan.

Get a Travelers quote online or call 1-866-936-8223. Or, you can find a Travelers agent near you.

If you paid for your vehicle using an auto loan, or if you lease your vehicle from a car company, then most likely, you’ll have to pay for gap insurance, which is not a requirement under Michigan law. Not every car insurance company offers gap insurance, but Auto-Owners goes above and beyond.

In addition to gap insurance, which covers the amount between your car’s actual cash value and the amount you owe on your lease/loan, it also offers a rental auto gap for rented cars. That means if you get into an accident in a rental car, the amount you’re liable for will be covered. On top of that, Auto-Owners offers diminished value, meaning you’ll receive money to cover your car’s reduction in value.

To get a quote, you’ll need to find an independent agent near you on the Auto-Owners website. The website will show you the agents near you, along with their addresses, phone numbers, websites, and email addresses.

The NAIC is the U.S.’s organization that regulates the insurance industry. Customers can complain to the NAIC if they are unhappy with some actions of their insurance company, as each state has its own Department of Insurance. The NAIC tracks the number of complaints it gets for each company by state, and compares the number of complaints with the size of the company. When it came to Nationwide in Michigan, the company only got 53 percent of the complaints it should for a company of its size. In 2023, Michigan Nationwide private auto insurance customers only complained to the NAIC four times.

Not all companies accept high-risk drivers. Some cater to people with clean driving records and reward them with low prices. Geico is one of those companies. It’s a good option if you’ve had no accidents within the past five years, as you’ll save 22 percent on the majority of coverage they offer. Seniors in Michigan pay Geico an average of $1,297 a year for personal auto insurance, less than the state average.

You can save even more if everyone in your car wears your seatbelts, required for passengers ages 8 to 15 as well as drivers and front seat passengers, as it says in the Michigan Legislature. Buckling up could save you money on personal injury protection, a requirement of Michigan auto insurance according to the state’s Department of Insurance and Financial Services.

Getting a quote will be easier on Geico’s website. There is no phone number to call the company directly, and there is only one local agent in the state of Michigan, in Detroit. If you’d rather buy insurance in person, call Michael Sloan at 248-970-6080 or email him at misloan@geico.com.