Best cheap car insurance in Hamtramck

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Hamtramck in Michigan is home to 22,423 people, 6,777 households, and 4,615 family members. Hamtramck lies approximately five miles from Detroit’s center. Hamtramck’s western border is bounded by Interstate 75 Freeway, while its southern border is bounded by Interstate I-94.

Hamtramck’s average annual car insurance rate is high at $2,153 for minimal coverage and $5,101 full coverage. The current Michigan annual car insurance premium stands at $948 (minimum coverage) and $2,309 for full coverage. Hamtramck has a high crime rate. However, there has been an improvement in the last ten years. This may have increased the cost of car insurance. Therefore, it is important to find affordable options.

Hamtramck’s best car insurance companies

For car insurance, Hamtramck has chosen four companies as the best. These companies are listed below, with their average annual policy premiums calculated by Quadrant Information Services 2021 rates. When selecting these companies, we considered many factors including financial strength of the company and J.D. The Power Customer Satisfaction Rating, as well as the policy options and discounts offered by these companies were all considered.

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Insurance companyJ.D. J.D.Minimum coverage: Average annual premiumFor full coverage, the average annual premium
Auto-Owners845 / 1000$1,552$3,621
Travelers828 / 1000$259$3,586
USAA827* / 1,000$723$1,835
Westfield836 / 1000$313$2,974

Auto-Owners

J.D. J.D. Five factors are considered when determining customer satisfaction. These include billing process, policy information, claims, interaction and price. Auto-Owners offers a wide range of policies to suit the needs of drivers and their families.

Travelers

Travelers is one the most well-known and established insurance companies in the country. It has an AM Best rating A++ for its financial strength and superior financial stability. Travelers offers many policy options and discounts, including the option of accident forgiveness. A policyholder who is eligible for the Travelers accident forgiveness program can have one accident forgiven every 36 months. The Responsible Driver Plan offers minor violations and accident forgiveness.

USAA

USAA ranks among the top companies in many categories of car insurance, including customer service, insurance plans, discounts and claim handling. Although only military personnel and their families can become USAA members they offer a warm welcome to all. USAA representatives are highly trained and knowledgeable, and can answer all your questions and help you to determine the best option to suit your needs.

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Westfield

Westfield Insurance is one the largest privately owned companies in Ohio. Westfield Insurance offers personal insurance as well as auto policies to a small market in the Midwest, including Michigan. Westfield provides affordable insurance policies that meet the basic needs for most drivers. However, Westfield also offers more. Westfield agents are known for their excellent customer service and help in choosing additional protections that will create a customized policy.

Hamtramck has the lowest car insurance

Hamtramck’s average annual premium for auto insurance is $2,153 for basic coverage. Michigan’s average annual premium is $984.

Below is a list of five companies that offer basic coverage at a low cost. These companies may offer affordable policies, but they will still provide comprehensive coverage and excellent add-ons.

Each of the listed companies are known for their specific strengths. USAA provides personal, focused service that is in line with its military roots. Auto-Owners is also known for its excellent customer service, receiving the highest score on the J.D. in all U.S. regions. The 2019 U.S. Auto Insurance Study is Power. Every company has a variety of options to enhance basic coverage plans to meet specific needs. Each company offers a variety of discounts that will allow you to adequately cover yourself and your family, without having to break the bank.

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Insurance companyMinimum coverage: Average annual premiumFor full coverage, the average annual premium
Travelers$259$3,586
USAA$722$1,835
MetLife$976$3,258
Progressive$1,453$2,709
Auto-Owners$1,552$3,621

Hamtramck insurance requirements

Michigan law imposes minimum coverage requirements on drivers in Hamtramck, and across Michigan. You must ensure that your policies provide protection against personal injury and property damage. Michigan law has required that every driver have coverage for personal injury protection (PIP) since 1973. Michigan changed its law in July 2020. Drivers can now reduce or opt out of their coverage, provided that they have adequate personal health coverage.

These minimum coverage levels will not provide adequate protection for most people. It is therefore important to learn about the benefits offered by each company, and to speak with representatives of providers to ensure that you have sufficient coverage.

Hamtramck car insurance discounts

If you’re looking for coverage, there are many discounts available in Hamtramck. It is a good idea to review your policy every so often, even if you have been with the company for some time. These are some common discounts:

  • Senior discounts
  • Discounts on defensive driving courses
  • Discounts for good-drivers and accident-free driving
  • Various student and younger driver discounts
  • Low mileage discounts
  • Multi-vehicle discounts and multi-driver discounts
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Questions frequently asked

Which is the best auto insurance company?

This article highlights some of the most affordable and best insurance companies in Hamtramck. We’ve provided some information about the coverage options available and how to determine which coverage best suits your needs. This information will help you to get multiple quotes and compare.

What is the cost of Hamtramck car insurance?

The chart shows that Hamtramck’s average car insurance cost is higher than the national and state averages. However, this does not mean you cannot find affordable car insurance policies in Hamtramck if you take advantage of the numerous discounts Michigan law allows.

What amount of car insurance do you need in Hamtramck

Michigan law clearly defines the minimum requirements for auto and property insurance coverage in Hamtramck as well as throughout the state. These requirements will meet the law, but they may not be sufficient to address your actual risk in case of a catastrophe. You can compare quotes and get assistance from company agents to determine the best coverage for you.