Auto Insurance Comparison
Quick verdict
MEEMIC comes out clearly ahead Titan in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| MEEMIC | Titan | |
|---|---|---|
| Overall score | 3.95 /5 ★★★★★ Highest overall | 3.05 /5 ★★★★★ |
| Best for | MEEMIC started as the Michigan Education Employees Mutual Insurance Company and still leans heavily into that origin — many policies trace back to educators | Titan is a non-standard auto carrier that's now part of Nationwide's portfolio, specializing in SR-22 filings and drivers with adverse records |
| Read full review | MEEMIC review → | Titan review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | MEEMIC | Titan |
|---|---|---|
| Customer experience | 4.30 | 2.90 |
| Coverage breadth | 3.90 | 2.80 |
| Affordability | 3.70 | 3.50 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
MEEMIC
Full review →Pros
- Strong customer satisfaction reputation, particularly among education professionals
- Backed by Auto-Owners — solid financial strength and claims infrastructure
- Competitive group discounts for school employees, administrators, and retirees
- Local Michigan agent presence with deep state-specific expertise
Cons
- Michigan-only — not available anywhere else in the U.S.
- Eligibility tilts toward education-affiliated drivers (though now open more broadly)
- Less digital self-service than national pure-plays
Titan
Full review →Pros
- Backed by Nationwide — solid financial strength for a non-standard carrier
- Strong SR-22 specialization
- Accepts profiles other carriers reject
Cons
- Customer satisfaction below industry averages
- Limited geographic footprint
- Not a fit for standard-risk drivers
Coverage at a glance
What each carrier offers in standard policies.
MEEMIC
Titan
The bottom line
MEEMIC
If you're in Michigan with any connection to education — current employee, retired, family member — MEEMIC deserves a quote. Outside Michigan it isn't an option.
Read the full MEEMIC reviewTitan
Titan is worth a quote if you need SR-22 filing in the states it operates. Standard-risk drivers should shop mainstream first.
Read the full Titan reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.