Michigan has 10,077,761 residents. We list 136 agencies for commercial auto insurance in Michigan. Here is what the local numbers say about the cover people here need.

Michigan at a glance

136commercial auto insurance agencies listed
26.8%of households rentRenters insurance
$231,600median home valueHome insurance
1972median year homes were builtRebuild cost calculator
7%of households have no carAuto insurance
5%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Michigan

How many of Michigan’s 83 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Strong wind36 of 83 counties
Very High in Wayne County, Mecosta County, Kent County and 3 more.
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Michigan
Winter weather28 of 83 counties
Very High in Grand Traverse County, Saginaw County.
Tornado11 of 83 counties
Very High in Oakland County, Wayne County, Macomb County.
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Michigan
Ice storm10 of 83 counties
Very High in Oakland County, Wayne County, Macomb County.
Lightning8 of 83 counties
Very High in Wayne County.
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Michigan
Inland flooding4 of 83 counties
Very High in Wayne County.
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in every state

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Michigan

Michigan requires drivers to carry at least $50,000 of bodily injury liability per person, $100,000 per accident and $10,000 of property damage liability, often written 50/100/10. It also requires personal injury protection and property protection insurance ($1,000,000). Michigan is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Michigan How much liability cover do you need?

Source: michigan.gov, limits in force since 2020-07-01. Checked 2026-10-24.

Insurance companies Michigan agencies work with

Of the 136 Michigan agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers79 agencies
The Hartford73 agencies
Liberty Mutual60 agencies
Travelers (Standard Fire)57 agencies
Safeco55 agencies
Progressive50 agencies
Liberty Mutual (Safeco)46 agencies
Chubb45 agencies
Nationwide44 agencies
Mercury39 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Commercial Auto insurance in Michigan

All insurance agencies in Michigan · Commercial Auto insurance in every state

Where can I find commercial auto insurance in Michigan?

Pick your city in the list on this page to see every agency there that offers commercial auto insurance, or search by name or ZIP code.

What does commercial auto insurance cover?

Covers vehicles used for business, which personal auto policies exclude.

Which insurance companies do Michigan agencies work with?

Among the 136 Michigan agencies whose appointments we hold, the companies they are most often appointed with are Travelers (79), The Hartford (73), Liberty Mutual (60), Travelers (Standard Fire) (57), Safeco (55). An appointed agency can quote that company's policies.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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