Best cheap car insurance in Canton

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Canton, Michigan drivers can expect to pay $1,046 minimum coverage and $2,537 full coverage. This is significantly more than the average of $565 minimum and $1,674 full coverage. Canton insurance is costly for several reasons. First, Wayne County is home to nearly 18% Michigan’s total population. Second, it has the highest number of traffic incidents in Michigan each year. It was responsible for 17% state-wide crashes in 2018, with 54,072 total crashes.

This does not mean there aren’t deals available. We looked at customer satisfaction scores and average premium costs to find the best Canton insurance company for the lowest price. We also considered available discounts, financial strength, and the financial strength of each company.

Best Car Insurance Companies in Canton

We analyzed reviews and ratings from J.D. to determine which companies provide the most affordable car insurance in Canton. Power and AM Best, the average premium cost and number of discounts.

Insurance CompanyJ.D. J.D.Average Annual Premium for Minimum InsuranceAverage annual premium for full coverage
Wolverine MutualNA$350$1,935
ChubbNA$356$1,766
MetLife821 / 1,000$499$1,474
Geico851 / 1,000$666$1,383
USAA897 / 1,000$493$1,244

Wolverine Mutual

Wolverine has some of the lowest premiums available in Michigan, particularly when it comes to minimum coverage. These discounts are just a few of the many ways they offer customers to save more on their monthly bills.

  • Good student
  • Safe driver
  • Multi-car
  • Bundling
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You’ll get the best value out of all the discounts available if your Wolverine Mutual auto insurance is combined with homeowners, condo renters, or homeowners insurance. You’ll save money on your auto insurance and your premiums will be lower for any additional policies that you buy.

Chubb

J.D. has not yet scored Chubb. Although it has not been scored by J.D. Power for its auto insurance, it did so well in other categories that it was among our top five. You should know that Chubb offers a wide range of coverage options. There are coverage options for locks, keys, windows, and even your child’s car seat. You can also get worldwide rental coverage as well as coverage for manufacturer parts. This will cover original parts and not ‘aftermarket’.

Chubb offers discounts on items that you can easily add to your vehicle like anti-theft devices and anti-lock brakes. These devices offer a small savings, but they can lower your premium on an already affordable policy.

MetLife

MetLife claims customers can save on average $906 per year by bundling their auto policy with homeowners or renters insurance. MetLife offers a wide range of coverage options to fit every budget and need.

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MetLife uses technology to keep Michigan roads safer. The My journey(r) app analyzes your driving habits and mobile phone usage and alerts you when you are putting yourself or others in danger. This app is great for young drivers who are covered by your policy.

Geico

Geico offers a lot, but the best thing about this provider are the car insurance discounts. Geico can help you save up to 25% on your premium if you insure multiple vehicles. Install an anti-theft device and you could save as much as 23 percent. You will receive a 3 percent discount on daytime lights

Geico has one of the highest customer satisfaction scores in its industry. J.D. It was awarded the top spot in the North Central States by Power

USAA

USAA is only available to active or retired military personnel (or their immediate families), but it has been consistently ranked as one of the best business insurance providers. It offers low premiums for full and minimum coverage. It offers military personnel and their families top-notch discounts that aren’t available from other providers. USAA will also reduce your premium if you need to keep your vehicle in a garage during a deployment.

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USAA, like Geico has outstanding customer service scores with J.D. Power. Their strength is so great that USAA would be the number one provider in the U.S. with J.D. If it was serving the public, power would be its greatest asset.

Canton has the lowest car insurance

Canton drivers pay slightly more for minimum and full coverage than Michigan drivers, but it is not much. The state average is $948 for minimum coverage and $2,309 full coverage. Canton drivers do pay more than most Americans, however, with nearly $500 more for minimum coverage, and nearly $900 more for complete coverage.

However, there are affordable options. Below is a table that shows the lowest car insurance in Canton Michigan from the most well-known carriers.

Insurance CompanyAverage Annual Premium for Minimum InsuranceAverage annual premium for full coverage
Travelers$259$3,586
USAA$493$1,244
MetLife$499$1,474
Geico$666$1,383
Progressive$717$1,393

All of these companies are nationally recognized for their exceptional service. Travelers provides the lowest minimum coverage, but they are the most expensive to get full coverage. USAA and MetLife are close to the national average. Geico and Progressive offer minimal coverage, but are relatively affordable for full coverage.

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Each one offers a user-friendly, robust mobile app and wide coverage options. Travelers, Progressive, and Geico offer the best discounts, while MetLife and USAA offer low premiums and don’t require multiple discounts.

To help you choose the right provider for your needs, we recommend that you speak with an insurance agent.

Canton insurance requirements

Michigan mandates that all drivers have a 50100/10 policy. This must include coverage up to:

  • $50,000. Per person for bodily injuries
  • $100,000 per accident for bodily injuries
  • Property damage: $10,000 per accident

Also, Michigan law required drivers to buy personal injury protection (PIP). However, a recent state change allows drivers the freedom to choose the level of protection they need, or to opt-out if their healthcare plan covers auto-related injuries.

Do not judge a company based on the minimum amount they charge for coverage. You may need more coverage if you lease or finance a car. As part of the qualification process, many lenders and dealers require that buyers purchase complete coverage.

Canton car insurance discount

Canton residents can save money on their car insurance by searching for any discounts that may be available. These are the most common discounts offered by providers:

  • Multi-Car
  • Protective Driving
  • Good student
  • Multi-Policy
  • Anti-Theft
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Many providers offer financial incentives to help you use them for all your insurance needs. You’ll save money if you use the same company for multiple vehicles, your condo, or apartment insurance.

A defensive driving course can also help you save money on your premium. It can be done online or at a local driving school. It is very affordable and often pays off in a matter of months.

Questions frequently asked

Which is the best auto insurance company?

Because everyone has different needs, there is no ‘best’ car insurance company. It is always a good idea for you to compare different providers and shop around to find the best deal. You can also get help from an insurance agent to find the best policy at the lowest price.

Can you choose to opt out of PIP in Canton Michigan?

You can’t choose not to have PIP Michigan as of July 1, 2020. You can only choose to have PIP if your insurance covers car-related injuries, and has a lower deductible than $6,000.

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