In 2019, the estimated population in Livonia, Michigan was just above 93,665 Since 2010, this number has been slightly lower. This is a suburb of Detroit with a population of approximately 3,530,000 . It is also a major metropolitan area where insurance rates for cars are higher.
The national average annual insurance premium for a policy is $1674. Michigan’s average is $2,309. The average Livonia resident pays 1,058 for their minimum premium. Full coverage is $2,534 more expensive than the state’s average.
It is worth looking for the best rates in areas like Livonia, where the car rates are more expensive than those in the surrounding area.
The best car insurance companies Livonia
Based on a combination of factors, the following four companies were chosen as the best auto insurers in Livonia. The chart below shows that each company was highly ranked on the J.D. Power Customer Satisfaction Survey North Central Region where Livonia lies. Average annual rates were determined using 2021 rate data from Quadrant Info Services. Each of the four companies scored highly in our assessment of their basic coverage, add-ons, discounts, claim assistance, and claim handling.
| Insurance company | J.D. J.D. | Minimum coverage: Average annual premium | Average annual premium for full coverage |
|---|---|---|---|
| Auto-Owners | 845 / 1000 | $908 | $2,092 |
| Geico | 851 / 1000 | $1,223 | $2,144 |
| Progressive | 824 / 1000 | $750 | $1,391 |
| State Farm | 829 / 1000 | $2,707 | $4,261 |
Auto-Owners
Auto-Owners were awarded the highest J.D. Auto-Owners received one of the highest J.D. scores for 2020 in the North Central Region. This is largely due to the fact that a network independent agents can often provide customized coverage options not easily found online. Auto-Owners also offers a variety of additional coverages, including diminished-value coverage and mortgage gap/lease gap insurance.
Geico
J.D. named Geico the best car insurance provider. In its 2020 North Central Customer Satisfaction Survey, Power. Geico charges less simply because they offer less, despite its excellent reputation for low rates. Geico provides a variety of coverage options, including add-ons like rental car reimbursement and roadside help for eligible policyholders.
Progressive
Progressive’s car insurance rates compare well with other companies. There are many creative ways that Progressive can reduce their rates, including bundling insurance with Progressive renters and home insurance. J.D. says Progressive’s reputation for customer service and claims handling is outstanding. Power.
State Farm
State Farm is a trusted insurer. Although its rates may not be the most affordable, it offers a wide variety of options that aren’t available from other companies. State Farm offers many options to tailor a policy that suits your needs. The company also offers many discounts, such as the Steer Clear program which is available for younger drivers.
Livonia has the lowest car insurance
Below is a table that highlights the five most affordable car insurance companies in Livonia. Each of the five companies listed in this table is well-known and has its own advantages. Two of the top companies in Livonia, Progressive and Auto-Owners, also rank high on our list. AM Best’s financial strength ranking ranks all but MetLife high. The service does not rate MetLife.
Each company has its own strengths, with Progressive and USAA being the best for customer service and claims response. Auto-Owners is highly regarded for its discounts and wide variety of options. Progressive also offers creative savings by bundling. MetLife’s new policy for car replacement is a great option.
| Insurance company | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|
| Travelers | $259 | $3,586 |
| USAA | $509 | $1,329 |
| MetLife | $514 | $1,460 |
| Progressive | $750 | $1,391 |
| Auto-Owners | $908 | $2,092 |
Livonia insurance requirements
The State of Michigan mandates that drivers in its cities have the minimum level of auto insurance. Livonia’s car insurance policy must cover legal costs as well as any legal payments made to the injured party. If found liable, the insured will be held responsible. You will need minimum:
- $20,000 per injured person (bodily Injury Liability)
- Each accident: $40,000
- $10,000 per accident for property damage
While maintaining insurance that meets the above requirements may be affordable for low-cost, it could still expose you to greater liability. Leasing agents and financing companies will often require coverage that is more than the minimum.
Livonia: Car insurance discounts
Residents may be eligible for discounts on car insurance, such as:
- Good grades for young drivers
- Continuously insured drivers for over six months
- Drivers over 50 who have taken driving refresher courses
- People who are paperless pay their bill in full, set-up automatic payments, or pay online
- Individuals who insure multiple vehicles or bundle their auto and home insurance.
The new Michigan No Fault Auto Insurance Law, which took effect July 2, 2020, isn’t a discount. However, it allows drivers to choose to opt out from the 1973 obligation to purchase personal injury coverage. This option can save significant money, but only if the driver’s personal insurance covers auto accident injuries and has a $6,000 deductible.
Questions frequently asked
Which is the best auto insurance company?
There are many car insurance companies out there that can provide you with the best coverage for your needs. While we have highlighted the top-rated companies in the Livonia region, it is important to compare multiple quotes and research before you can determine the right policy.
What amount of car insurance do you need in Livonia
Michigan has set minimum requirements for liability and property insurance in Livonia policies. These minimum limits are not intended to protect you from any potential accident liability. Your level of comfort, as well as the requirements of any third-party vehicle lender or lessor will determine how much coverage you need.
