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Auto Insurance

Providing protection for the road ahead.

Call 877.248.5302 for a Free Quote
or find an agent here.



What Our Members Saved

On average, on their annual premium when they switched to AAA Auto Insurance.


Pay for car insurance options you want—not for what you don’t.

Coverage options in Michigan include:
Enhanced Total Loss Replacement3

In the event of total loss, we’ll pay to replace your vehicle with a model 1-2 years newer.

Our Michigan Enhanced Exterior Auto Repair Option

Get original exterior parts from the manufacturer instead of aftermarket parts.

Transportation Network Company (TNC) 

If you drive for a ridesharing company in Michigan, this could fill the gap in coverage that your company may not provide.



Get great value for your auto insurance needs.

Disappearing Deductible

Reduce your deductible every term you’re claim-free.

Claim-Free Rewards

Earn cash back or credits every term you’re claim-free.

AAADrive™ Michigan Auto Insurance Discount

Improve your driving habits and save money on your Michigan car insurance with your smartphone.4


Michigan Drivers: Get a FREE Online Auto Insurance Quote Today!

Get An Online Quote

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Find out with a free AAA Triple Check®

Get a comprehensive household insurance coverage review so you can create the right plan for you.

• Determine if you have enough insurance coverage without paying for protections you don't need.

• Identify AAA Insurance discounts you qualify to receive.

• Discuss new ways to make your AAA Membership work best for you.

Talk to an agent for your free AAA TRIPLE CHECK®

CALL TODAY 844.222.5111

Find an Insurance Agent Near You

AAA Living

This Member Shares How AAA
Helped Him After a Car Crash

After a car accident, a member's eyes are opened to the benefits of insurance through AAA. Here, Scott Crawford shares his story.

Learn More >

That's Not Covered? Surprising
Facts About Auto Insurance

Do you know if your car insurance covers
these common issues and situations?

Learn More >

Young woman using smart phone standing on street near road and car. Female's hands holding mobile device in city, close-up.

How Do Claims Work?

Filing a claim is less stressful when you know what to expect. These tips will make the process easier.

Learn More >

Insurance and Beyond

AAA is there for your in many ways on the road.

Count on Our Claim Services

Filing a claim is less stressful when you expect something more from your insurance provider.

Life Is Simpler With 24/7 Online Self-Service

Easily manage your policy online. Get your proof of insurance, see your policy, update billing options and more.

Car Shopping? Buy and Borrow for Less With AAA

An auto loan through AAA could save you hundreds of dollars. Finance a new or used vehicle with a low-cost AAA auto loan.

Save on Your Car's Needs

Whether it’s hotels to stay in on your road trip, auto repair, or a gadget to spruce up your car, AAA has discounts available for all your driving needs.


Coverage is subject to all policy terms, conditions, exclusions and limitations. Discounts and savings opportunities subject to eligibility requirements. Subject to underwriting requirements. AAA Insurance is a collection of AAA branded insurance products, services, and programs made available to qualified members. Personal lines insurance is underwritten by Auto Club Insurance Association, MemberSelect Insurance Company, Auto Club Group Insurance Company, Auto Club Property-Casualty Insurance Company, The Members Insurance Company, Universal Insurance Company, Auto Club South Insurance Company, or Auto Club Insurance Company of Florida. ©2023 The Auto Club Group. All rights reserved.

1New policyholders who switched to AAA auto insurance  and saved, saved an average of $710 in MI based on 2022 survey results. Potential savings  may vary depending on PIP selection and bundling. 

2Discounts apply to select coverages only and vary by state and insurance company. Not all discounts available in each state. 

3Optional coverage that is available for additional cost. Coverage applies to certain covered total losses for certain covered autos subject to titling, purchase, loss occurrence time period and mileage requirements. Coverage is subject to all policy terms, conditions, exclusions and limitations. Subject to eligibility requirements.

4AAADrive™ participation is optional. Subject to terms, conditions and availability. AAADrive Auto Insurance Discount is not available in all states. Download of the mobile app, activation of AAADrive and the ability to record journeys are required to receive the discount. Savings may vary and are based on driving behavior. Discounts apply to select coverages only and do not apply to statutory assessment and fixed expense fees. Discounts may vary by state.

Please refer to the Terms and Conditions for more information to determine participation eligibility. Check your phone's eligibility at Google Play or the App Store by texting MobileApp to 99513. If your phone does not meet the requirements, you will not be able to download the app. Must meet minimum qualifications to maintain discount at renewal.

*94% Satisfaction with AAA Auto Insurance. Satisfaction percentage was calculated based on a 2022 survey of new auto insurance customers scoring the Auto Club Group an 8, 9, or 10 out of 10 on overall satisfaction with their recent insurance purchase experience.