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For over 20 years, Champagne Agency has proudly protected individuals, families, and businesses throughout the state. Built on genuine care and trusted relationships, we’re honored to be the agency so many turn to when it matters most. Our mission goes beyond offering insurance — it’s about delivering peace of mind.

We’re dedicated to designing coverage that fits your unique needs at rates that make sense. Whether you're settling into your first home, launching a new business, or navigating life’s many milestones, we’re here to help safeguard what matters most. We’re not just your insurance agency — we’re your neighbors, your partners, and a reliable part of your community.

WHO WE ARE

Indulge in
uplifting
expertise.

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Get real protection
Older man enthusiastically holding a steering wheel — safe and secure driving with trusted auto insurance.
Expecting mother relaxing at home — family and maternity protection plans for life’s important milestones."
Smiling woman working on a laptop — business and personal insurance support for modern professionals.
Person dancing joyfully — celebrating life with confidence and the right insurance coverage.
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• Auto Insurance

• Recreational Vehicles

• Motorcycle Insurance

• Boat Insurance

Auto + Toys

Home

Business

Life + Income

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WHAT WE DO

You deserve 
Champagne
service.

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"Family playing together on the couch — home and life insurance that protects your happiest moments.
Champagne Agency logo

TEAM

Serious
credentials.
Friendly
approach.

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At Champagne Agency, exceptional service is just the beginning. As proud members of SIAA, we’ve been named Michigan’s top agency five years running. Led by Tamara, a licensed SCBS and trusted advisor to small businesses, our team of licensed professionals delivers thoughtful, tailored coverage with heart.

We’re also the exclusive agency for the Michigan Licensed Beverage Association in Greater Metro-Detroit, offering a specialized Liquor Liability program built for the industry.

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Tamara Champagne

AGENCY OWNER

Champagne Agency logo
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COMMUNITY

Spreading
bubbly
hope.

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let's do it

Group of people standing outdoors as a team — community-focused insurance support you can trust.

together

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Giving back is at the heart of everything we do. We're proud to support local causes through a blend of referral-based donations, hands-on volunteering, and agency contributions that go beyond the policy.

We're also honored to offer exclusive savings to those who keep our world moving - postal workers, auto industry professionals, and others who serve our communities every day.

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

They are the best Insurance
Company I have ever had. They stay in touch and try to save you money. Shah is great to work with!

Google reviews - see what customers have to say about Champagne Agency
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Rosemary Mayville

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Celeste has been amazing! The entire office is great. They are prompt and informative. They get me the best deal on my car insurance and homeowners insurance.

Google reviews - see what customers have to say about Champagne Agency
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amanda doyle

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Deborah Steffey goes above and beyond for her clients! Business policies and adjustments can take time and cause confusion often delaying the business' needs, however not with Deborah. She responded to our call immediately, understood the request making the needed adjustments quickly. Thank you Deborah and the Champagne Agency!

Google reviews - see what customers have to say about Champagne Agency
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Megan Troutt

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Chris was Great fast and answered all my questions happy to insure with this company! Thank you

Google reviews - see what customers have to say about Champagne Agency
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Tiffany Amber

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Everyone on Chris’s team is great and worked diligently to make sure that I had everything I needed. Thanks

Google reviews - see what customers have to say about Champagne Agency
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Gary Pounders

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

always prompt and looking out for best deals 👍
chris is easy to work with.
would highly recommend

Google reviews - see what customers have to say about Champagne Agency
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robert schneider

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

I had a wonderful experience buying car insurance through this agency. Chris made the process very simple and easy to understand and also got me a great deal! Thank you for simplifying this sometimes very confusing matter! Would highly recommend!

Google reviews - see what customers have to say about Champagne Agency
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Kevin Thomas (Gasstationinnovi)

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Celeste was the best got me the rates I needed in a quick and orderly fashion

Google reviews - see what customers have to say about Champagne Agency
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Carlos Jones

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

I had a problem paying for my AAA insurance and i called in and chelsea took care of it right away. Good service!

Google reviews - see what customers have to say about Champagne Agency
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Erjon Vuktilaj

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

I just renewed my policy with Chris. Chris has continued to give me the best rate that works for me. Along with excellent costumer service.

Google reviews - see what customers have to say about Champagne Agency
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Brittany Rodriguez

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

As foreigner you are not familiar with local regulations and potential impacts based on your Choice of insurance. Larry from champagne guided me nicely and with Patience throught all the Implications of my car insurance. Well Done!

Google reviews - see what customers have to say about Champagne Agency
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Volker Koblitz

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Chelsea at the Champagne Agency was very patient with my distracted life. She took the time to answer my questions, and get me the appropriate insurance based on my family dynamics. Thank you! Sincerely Yvette F Wright Realtor

Google reviews - see what customers have to say about Champagne Agency
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Yvette Wright

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Deborah is AMAZING she was recommended to me by a former coworker in 2018 and every 6 months my premium goes DOWN. The first year it went down by 1/3 of what we were paying before. She and the staff are amazing at answering my questions and were so helpful when my husband passed (feb 2025) without any of the pity I was getting from everywhere else. I will always recommend them.

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Shawyn Shankin

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Deborah was an amazing help. Helped me keep my lower rate and helped me plan out my next potential policy

Google reviews - see what customers have to say about Champagne Agency
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Reed Czinski

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

This review is a little late, as I haven't been well.
I've been dealing with Larry Spears a long time.(many years).
He's always taken good care of our us & poilcies!!!!
No complaints.

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cynthia sequine

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Celeste is the best! She was friendly, courteous and very professional… I will recommend her to anyone that asks.

Google reviews - see what customers have to say about Champagne Agency
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Jim Arnold

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Chris has been a great agent over the last few years. Highly recommend Champagne Agency.

Google reviews - see what customers have to say about Champagne Agency
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Linda Kaminski

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Chris was very professional.
Chris was also very friendly.
Chris did not stop until I had the coverage I was looking for.I would recommend Chris to my friends and family.

Google reviews - see what customers have to say about Champagne Agency
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Brenda Martinelli

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Deb was such an incredible help with making it an easy process. I truly appreciate them greatly

Google reviews - see what customers have to say about Champagne Agency
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Imissyou Barr

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Celeste is so helpful and sweet! She saved me HUNDREDS of dollars on my insurance. She doesn't miss a thing and her follow through is five stars. I highly recommend her!

Google reviews - see what customers have to say about Champagne Agency
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Celina Addelia

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Chris did an amazing job with Home and Auto.

Google reviews - see what customers have to say about Champagne Agency
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John Price

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Celeste is Awesome!

Google reviews - see what customers have to say about Champagne Agency
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A Justice

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Shah has been amazing dealing with our multi vehicle account and home during a crazy transition of a grown child moving homes, an accident claim and a new lease all at once. She’s fantastic and professional and patient! Thank you, Shah ☺️

Google reviews - see what customers have to say about Champagne Agency
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Veronica Rhinehart

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Celeste is always a great help.

Google reviews - see what customers have to say about Champagne Agency
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Brent Frey

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Celest has made my insurance needs so easy to handle since I joined Champagne’s group last Spring. Thank you 😊

Google reviews - see what customers have to say about Champagne Agency
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Annette Lester

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Chris is always helpful finding the best insurance for us nice to do business with a professional

Google reviews - see what customers have to say about Champagne Agency
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Allen Glover

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

I have been with Champagne for 10 years, they are an amazing company. They take care of all my insurance needs. Celeste does all the leg work, phone calls including accident and glass claims. I've recommended them to friends and family.

Google reviews - see what customers have to say about Champagne Agency
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Amanda Strochine

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

We are so happy making the switch to Champagne Agency. We were with another agency for 10-15 years and with young drivers we needed more flexibility with different insurance companies. Chris saved us a ton of money on our auto policies. We moved everything over to them and highly recommend them!

Google reviews - see what customers have to say about Champagne Agency
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T H

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Shannon is a excellent agent ,helped me find everything I needed for my bundle package.

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Christine Blalock

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

I had a decent size claim last year which was going to increase my rate significantly if i stayed with the same provider. Shannon did a fantastic job alerting me in time to address this and by researching alternatives working to improve my rate while maintaining coverage.

Google reviews - see what customers have to say about Champagne Agency
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kmo612

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Shannon is awesome!

Google reviews - see what customers have to say about Champagne Agency
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Tim branson

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

I want to thank Sharon for saving me money on my policy this year. I highly recommend Shannon.

Google reviews - see what customers have to say about Champagne Agency
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Steven Allen

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Chris is the BEST!!! He does the yearly shopping for rates that is best for you. He is never bothered by a phone call and If he doesn't have the answer he will get it!!! Always on top of things and wishes happiness to all holidays. His staff is also top notch !!!

Google reviews - see what customers have to say about Champagne Agency
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Debra Hass

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Best insurance group ever! They make me feel like family. Chris (or one of the assistants) are very accessible by phone, text or email. They always keep me up to date and really want the best coverage at the best price! I have referred several family members there-who are also very happy!

Google reviews - see what customers have to say about Champagne Agency
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Carol Parent

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

I recommend champagne agency, I’ve been a Customer for 5+ years they actively getting me good deals! 👍🏻

Google reviews - see what customers have to say about Champagne Agency
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Yann Ferrari

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Celeste is the best. She is very knowledgeable and caring.

Google reviews - see what customers have to say about Champagne Agency
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Regenia Slye

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Deborah has been so helpful since I switched insurance companies. She is very professional and is always available if I have a question or concern. I would recommend her to my friends and family.
The Champagne Agency is lucky to have someone like her as a part of their team.
Thank you Deborah! You are greatly appreciated!

Google reviews - see what customers have to say about Champagne Agency
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Andrea Ventimiglia

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Good job shah

Google reviews - see what customers have to say about Champagne Agency
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Deb Lewis

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Celeste, is really easy to work with and helped find the best fit for truck insurance and rental insurance, and really saved me some money

Google reviews - see what customers have to say about Champagne Agency
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bob hodge

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Working with Larry on various issues has been outstanding! I've had good agents before, but Larry is beyond good! He's the top of the top!! There hasn't been an issue Larry hasn't worked out with us, and his honesty is the best. Treats us like family. A rarity these days. If you want honest, sincere and quick responses, Larry is your man! If it's not a good choice, he'll tell you and steer you down the right path. Thank you Larry for being THE BEST!

Google reviews - see what customers have to say about Champagne Agency
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kathy chatterton

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Deborah Steffey is an excellent agent, she is very personable and works hard to get the best insurance coverage for your needs.

Google reviews - see what customers have to say about Champagne Agency
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Lisa Stuart

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Had a great experience and a helpful assist from Shannon at champagne insurance agency.

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Gerard

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Chris has provided the best customer service! He has been top notch in handling claims, answering questions, and seeking out best pricing for all of my policies. Very pleased with Champagne Agency.

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Angelyn Maxon

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Excellent searvice with Celeste

Google reviews - see what customers have to say about Champagne Agency
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Gregory Kind

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Chris and his team are awesome! They are always looking out for your best interest!

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Michele S

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Have been with this agency for years, Keith was always on top of things and did all the work so I didnt have to stress. This year when it was time to renew Celeste was able to help me and did an amazing job following up through calls, text, and email because I am extremely hard to reach and was able to handle it all without issue. It is truly appreciated

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Alana Ayala

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

I have called EVERYWHERE and believe me when I say EVERYWHERE. A friend suggested Champaigne, best call I could make!!! Not only was Chris able to get me great auto coverage, but saved me a huge amount also on my homeowners. Chris handled EVERYTHING within a couple hours, not days. The transition from one carrier to the other was seamless and painless, THANKS to Chris and the staff at Champaigne. I couldn’t be happier!!!!

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Cynthia McLain

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5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency
5 star Google review for the Champagne Agency

Chelsea Ray is incredible to work with- friendly, easy, and very responsive. Chelsea Ray is great with communication and is always available to answer questions. I would highly recommend her!

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Sam Lamb

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REVIEWS

Those who
tried us
said...

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