Amica car insurance in Michigan

Q: Is Amica available in Michigan?

Yes. Amica writes personal auto insurance in Michigan — 49 states and d.c. — not available in hawaii. We did not find any Michigan-specific exclusions published on its own pages, though carriers do not always publish every state variation.

Q: How much does Amica car insurance cost in Michigan?

Nobody publishes that figure, and we are not going to invent one. What can be said honestly: drivers in Michigan pay $1,572 / yr on average across all insurers, and Amica's national average for full coverage is $3,167 a year. Those are two different measurements and neither one is "what Amica charges in Michigan". Only a quote on your own ZIP code, vehicle and record answers that.

Q: What are Michigan's minimum car insurance requirements?

Michigan requires at least 50/100/10 in liability coverage. Michigan's minimum liability requirement is 50/100/10: $50,000 of bodily injury liability per person, $100,000 per accident, and $10,000 of property damage. Minimums like these are set well below what a serious accident typically costs in medical care and vehicle repair.

Q: Is Amica a good choice for Michigan drivers?

Amica scores 3.7 out of 5 in our national review. Drivers who will pay more for service and expect to file claims describes who it suits best. Nothing we found suggests Michigan changes that picture materially. With 12 other insurers we review also writing in Michigan, it is worth quoting several.

Amica writes personal auto insurance in Michigan. We found no Michigan-specific restrictions published on its own pages.

Read our full Amica review

What Amica costs in Michigan

Michigan average, all insurers

$1,572 / yr

About 9% above the national average

Amica average, nationwide

$3,167/yr

vs. $2,356 national average, full coverage

Two different measurements, shown together for context and deliberately not combined. Neither is what Amica would quote you in Michigan.

Why there is no third number here

Those two figures measure different things, and multiplying them together would not produce a third. No public dataset publishes what Amica specifically charges in Michigan — rate filings are not compiled that way, and any site showing you that number has estimated it. We would rather show you the two real figures and be clear about what they do not tell you. The only number that describes your situation is a quote on your own ZIP code, vehicle and driving record.

What’s different about Amica in Michigan

We did not find any Michigan-specific restrictions published on Amica’s own pages. That is not the same as there being none — carriers do not always publish every state variation, and availability can change between renewals. Confirm the specific discounts you are counting on when you quote.

What Michigan requires you to carry

Minimum liability50/100/10

Michigan's minimum liability requirement is 50/100/10: $50,000 of bodily injury liability per person, $100,000 per accident, and $10,000 of property damage. Minimums like these are set well below what a serious accident typically costs in medical care and vehicle repair.

Driving without insurance in Michigan carries fines and other penalties that vary by circumstance, and can include vehicle impoundment or license suspension. A coverage lapse also tends to raise your next premium, sometimes for years afterward.

Full Michigan rates and requirements →

What moves a Michigan premium most

·ZIP code and where the car sits overnight — the biggest single lever.

·Annual mileage, which most insurers weight heavily.

·Driving record over the last three years, especially at-fault claims.

·Continuous coverage history. Gaps cost more than most discounts save.

·Credit is not a rating factor here, unlike most states.

How Amica scores nationally

These are national measures — J.D. Power and NAIC do not publish per-state breakdowns at carrier level, so this scorecard describes Amica as a company rather than its performance in Michigan specifically.

Category

AmicaOur score, 1–5

PriceAverage annual full-coverage premium · 25% of score

2.0$3,167/yr

Average full coverage vs. $2,356 national average

Claims satisfactionJ.D. Power 2025 claims study, out of 1,000 · 20% of score

4.0718/1,000

J.D. Power 2025 claims study, segment average 700

Complaint recordComplaints relative to company size · 15% of score

4.5Fewer than expected

Complaints relative to company size, NAIC data 2022–2024

Financial strengthAM Best Financial Strength Rating · 10% of score

4.5A+

AM Best Financial Strength Rating

DiscountsBreadth of published discounts · 15% of score

5.017 published

Discounts on the carrier's own pages · Telematics: StreetSmart

Digital experienceApp ratings and self-service depth · 15% of score

3.54.82 iOS / 3.2 Android

App Store (7.9K ratings) and Google Play (762 ratings), August 2026

Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.

Other insurers writing in Michigan

12 of the 13 insurers we review also sell in Michigan. Availability is the first filter — a cheaper carrier that does not write here is not an option.

State Farm Progressive Geico Allstate USAA Farmers Liberty MutualNot scored Auto-Owners Nationwide The Hartford Chubb The Hanover

Amica in Michigan, answered

The questions Michigan drivers ask about this carrier.

Is Amica available in Michigan?

How much does Amica car insurance cost in Michigan?

What are Michigan's minimum car insurance requirements?

Is Amica a good choice for Michigan drivers?

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