Same-Day Coverage at an affordable rate.

With roots over a century deep in the birthplace of the automobile industry, USA Underwriters has the knowledge and expertise to help tailor a policy to suit your lifestyle, your budget, and your priorities.

Adventure With Confidence

Get where you’re going safe in the knowledge that if something happens, USA Underwriters will be there to help. Contact an Independent Agent for an affordable policy today!

Protect What's Important

Your vehicle isn’t just a mode of transit or an investment; it’s also a tool to keep you and your family safe. USA Underwriters’ SHIELD policy is designed to protect that which keeps you safe.

One of Michigan's Oldest Insurance Companies

While the name may have changed to USA Underwriters in 2013, our roots stretch back to the late 1800s as the Southern Michigan Mutual Insurance Company. As one of Michigan’s oldest insurers, we’re proud to continue to call the Motor City our home and the surrounding community our neighbors.


The Michigan Catastrophic Claims Association approved refunds for certain Michigan Policyholders due a surplus of funds being held by the MCCA. The approved refund will be $400 per eligible vehicle insured with USA Underwriters on October 31st, 2021 at 11:59 PM, or $80 if the vehicle is an insured historical vehicle.

Refunds will be mailed as a check to the primary named insured to the most recent mailing address listed on the policy. Unfortunately, we cannot apply the refund to the policy.

If you have further questions, we urge you to review the Michigan Department of Insurance and Financial Services (DIFS) FAQs regarding the refund. Click the button below to open the MCCA Refund FAQ Page on the DIFS website in a new tab.

Woman looking outside while driving

Affordable Auto Insurance

USA Underwriters offers affordable rates on quality coverage. Contact an authorized independant agent today for information on discounts and a free policy review!

Accidents Add Up.

Accidents Can Add Up

Accidents and infractions can linger long after the fines are paid and the car is repaired. Affordable car insurance solutions are available to drivers with accidents or moving violations on their records. Call USA Underwriters for a quote today!

Price Conscious

Price Conscious

Every penny counts these days, and drivers with less-than-perfect driving records need to find affordable ways to stay on the road and within the law. Price conscious consumers choose USA Underwriters for affordable auto insurance solutions.