Best Michigan Insurance Agents & Brokers (2025)

Insurance agents and brokers act as intermediaries between insurance companies and individuals or businesses seeking insurance coverage. They help clients assess their insurance needs, recommend appropriate policies, facilitate the application process, and provide ongoing support and assistance.

Although both insurance agents and brokers help clients obtain insurance coverage, there is a difference between them. Insurance agents typically work for specific insurance companies and represent those companies in selling policies. Brokers, on the other hand, are independent professionals who work with multiple insurance companies and offer policies from different providers.

Insurance agents and brokers in Michigan handle a wide range of insurance types, including auto insurance, homeowners insurance, renters insurance, commercial property insurance, liability insurance, health insurance, life insurance, and more. They can provide coverage options for individuals, families, and businesses.

The Michigan Department of Insurance and Financial Services (DIFS) maintains a directory of licensed insurance agents and brokers in the state. You can visit their website or contact them directly to find a professional who meets your specific insurance needs.

When choosing an insurance agent or broker, consider factors such as their experience, expertise in the type of insurance you require, reputation, customer reviews, and the range of insurance options they offer. It’s also important to ensure they are properly licensed by the state.

Insurance agents are typically paid by the insurance company whose policies they sell. They receive a commission based on the premiums of the policies they write. Brokers, on the other hand, may charge a fee for their services or receive a commission from the insurance company, or a combination of both.