For car insurance in Clinton Michigan, you can expect to pay $864 for minimum coverage and $2.004 for complete coverage. Although this is quite a large sum, it is not as costly as in other parts of the state. For example, Warren drivers pay $1,480 and $3.346, respectively. Clinton insurance is less expensive because Clinton accounts for less than 1 percent of all accidents in the state (in 2018, there were only 2,500). The population is only 2,428, and the average vehicle ownership per household is 2.
It is possible to save even further, despite lower premiums than in other parts of the state. We considered many factors to determine Clinton’s best car insurance, including customer satisfaction and coverage types, financial strength, financial strength, and discounts.
The best car insurance companies Clinton
We reviewed reviews of providers from J.D. to narrow down the best Clinton car insurance companies. We carefully analyzed the premium costs, discounts available and coverage options.
| Insurance Company | J.D. J.D. | Minimum Coverage: Average Annual Premium | Average annual premium for full coverage |
|---|---|---|---|
| Geico | 851 / 1,000 | $745 | $1,334 |
| MetLife | 821 / 1,000 | $429 | $1,257 |
| USAA | 897 / 1,000 | $457 | $1,092 |
| Allstate | 830 / 1,000 | $1,193 | $2,514 |
| Progressive | 824 / 1,000 | $750 | $1,391 |
Geico
Geico provides affordable premiums regardless of where you are located in the country. J.D. consistently names it the best provider in specific regions of the U.S. Power, as it did with the North Central region in the U.S. in 2020
Geico’s wide range of discounts is its best feature. Some of the discounts offered by Geico are quite significant. The airbag discount is our favorite. It could save you up 23% on your premium depending on the safety rating of your vehicle. You can also get up to 25% off purchasing policies for multiple vehicles or emergency deployments to military personnel.
MetLife
Bundling policies can save you money and make MetLife more affordable for Clinton drivers. Bundling your home insurance and auto insurance with MetLife is a great way to save $562 per year. MetLife offers other discounts, including automatic payment, student discount, and good driver discount.
USAA
USAA provides insurance for military personnel and their immediate families. It is arguably the best-reviewed insurance company currently on the market. This provider would be J.D. if it was available to the public. Power is the top provider in the United States.
You can save even more money by joining USAA if you are eligible. Although it doesn’t offer many discounts as compared to other providers the ones it offers are tailored for its customers. You can get up to 60% off your policy if you need to store your car for a longer period.
Allstate
Allstate offers great savings. The Drivewise app can be installed on your smartphone to help you save up to 40% on your premium depending on how safe you drive. You can make driving fun with the app, which gives you safe driving challenges every time you get in your car. You can earn reward points by completing challenges. These points can be used to purchase gift cards, additional savings, sweepstakes, and other goodies. You can also get discounts on multiple policies, excellent grades, and other benefits.
Progressive
Progressive offers a mobile app that you can use to do almost everything insurance-related. This includes changing your coverage, making a claim, paying bills, and requesting roadside assistance. Although an app is not a new concept in insurance, Progressive’s app works well, is easy to use, and has a lot of features.
Progressive’s best feature is its ease of shopping for car insurance. With its Name your Price tool, enter your budget and Progressive will show you the policies that are available at your price.
Clinton has the lowest car insurance
The average cost of car insurance in Clinton for minimum and full coverage is $864. The average Michigan driver’s price is $948, and $2,309. Overall, Clinton drivers fare better than other state residents, but not as well as the rest. The average price in the United States is currently $531 for minimum and $1624 for full. This is a difference between $333 and $380. This is why you should shop around for cheap auto insurance.
Below is a table that shows car insurance rates for the most popular carriers, based on market share.
| Insurance Company | Average Annual Premium for Minimum Insurance | Average annual premium for full coverage |
|---|---|---|
| Travelers | $76 | $1,099 |
| MetLife | $429 | $1,257 |
| USAA | $457 | $1,092 |
| AAA | $736 | $2,101 |
| Geico | $745 | $1,334 |
Geico, AAA, and Travelers offer the best discounts. You can save up to 20% on your premium by comparing the three companies. Metlife is a great company to bundle an auto policy with a homeowner, condo or renter policy. Although Travelers is the most affordable, we believe MetLife is a great option and only slightly more costly. USAA is not for everyone. However, if you or someone close to you is serving in the military, this provider can offer excellent customer service and affordable premiums.
Insurance requirements for Clinton
Michigan requires that all Clinton drivers have a 50/100/10 policy. This means that each driver must have a policy providing up to:
- $50,000 for each person who is injured or killed in an accident
- Accident victims who are killed or injured in an accident receive $100,000
- Property damage: $10,000 per accident
Michigan also requires that drivers have PIP coverage. The laws have been updated recently. Drivers now have six options for PIP coverage. One is to opt out if you don’t have health insurance that covers car-related injuries up to a certain extent.
Although minimum coverage is attractive because of its low cost, it’s not a wise decision to buy the least amount. It is unlikely that your policy will fully cover you and your vehicle if you are involved in an accident. This could lead to higher costs over the long-term. Your lender or dealer will require that you have full coverage if you are leasing or financing a car. To get the best value, it’s a good idea talk to a licensed agent about insurance.
Clinton: Car insurance discounts
These discounts are offered by most car insurance companies to lower your premium.
- Multi-car
- Multi-policy
- Driving defensively
- Automated payment
- Paid-in-full
A defensive driving course can usually be arranged to get you a discount with most providers if you have some extra time. It is usually very affordable and can be paid off in a matter of months.
Most companies offer discounts to customers who are loyal. You can save a lot of money by insuring multiple vehicles or using the same provider to cover your home insurance (renters, condo, and homeowners). Consider your other insurance requirements when choosing a provider. Compare providers to find the best deal.
Questions frequently asked
Which is the best auto insurance company?
Car insurance does not fit everyone. Every person has different needs and your premiums may vary depending on those. It’s a smart idea to compare different providers and shop around for the best auto insurance company. To find the right policy for you, consult a licensed agent.
Is PIP still required in Michigan
Michigan does not require personal injury protection (PIP), but it is technically possible to opt out. However, Michigan does not require personal injury protection (PIP) insurance to be purchased. Your health insurance provider must still cover car accidents and your deductible cannot exceed $6,000. If you cannot opt out, the state offers more flexible PIP options starting July 2020.
