Macomb county is among the most populated in Michigan. It is therefore not surprising that Macomb county residents pay higher car insurance premiums. The average driver currently pays $1,213 to get minimum coverage and $2,726 for complete coverage.
It is expensive due to a number of factors other than its population. It has the second highest number of car accidents in Michigan. It had 25,784 traffic crashes in 2018, which was 8% of all Michigan accidents. (Michigan has only 83 counties).
It is possible to get a deal despite the fact that insurance companies have their reasons. We analyzed data such as customer satisfaction scores and financial strength to determine the best affordable car insurance in Macomb.
Macomb’s best car insurance companies
Review companies like J.D. We evaluated review companies such as J.D.
| Insurance company | J.D. J.D. | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|---|
| Allstate | 830 / 1000 | $1,501 | $3,033 |
| Geico | 851 / 1000 | $1,061 | $1,884 |
| Progressive | 824 / 1000 | $841 | $1,612 |
| Travelers | 828 / 1000 | $93 | $1,318 |
| USAA | 897 / 1000 | $521 | $1,305 |
Allstate
Although Allstate isn’t the most affordable on our list of companies, it’s a great company with many ways for customers to save money on their auto policies. This is especially useful for students. Students may be eligible for discounts by having a GPA of at least 2.7, participating in the teenSMART driver education program, and garaging your vehicle while you are away from school.
Geico
Geico is a well-known company because it provides low insurance costs and great customer service. Power was named Michigan’s number one provider in 2020. As if that wasn’t enough, there are many discounts you can take advantage of to lower your insurance costs.
Progressive
Progressive offers discounts as well. It offers so many discounts that it can boast that customers who switch to Progressive save on average $750 by using discount codes. Progressive’s “name your price” tool is a favorite. It allows you to tell the site what your budget is and your needs. Progressive can quickly tell you which coverage and liability limits are available within your budget.
Travelers
There are 14 ways that Michigan drivers can save with Travelers. Many of these discounts offer huge savings. You could save as much as 13% by signing up for multiple policies through Travelers. The IntelliDrive(r), discount is the best. IntelliDrive(r), a smartphone app, analyzes your driving habits for up to 90 days. Travelers may offer you a discount of up to 20% if it determines that you are a safe driver.
USAA
USAA, a military-based insurance company, only insures retired and active military personnel as well as eligible family members. USAA does not offer any discounts but they do offer the most likely benefits that you will be able to use right away. USAA will pay up to 60% if your vehicle is needed to be stored for a prolonged period.
Macomb has the lowest car insurance
When it comes to car insurance, Macomb is higher that both the average state and the U.S. average .
Here are some comparisons:
| Macomb average | Michigan average | U.S. average | |
|---|---|---|---|
| Minimum coverage | $1,213 | $948 | $531 |
| Full coverage | $2,726 | $2,309 | $1,624 |
Macomb, Michigan is currently $265 more expensive than the average for the state. There are many reasons to shop around. These are the top-rated providers in Macomb County.
| Insurance company | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|
| Travelers | $93 | $1,318 |
| USAA | $521 | $1,305 |
| MetLife | $660 | $1,670 |
| Progressive | $841 | $1,612 |
| Auto-Owners | $929 | $2,243 |
The companies listed above are nationally recognized for their excellent customer service. USAA is an exclusive insurance company. However, if you are eligible, you may be able to save money on your auto insurance. MetLife is a great option to bundle home insurance with (i.e. condos, homeowners, renters, etc.). Travelers, Progressive, and Auto-Owners offer unique savings opportunities. You can save money with both Progressive and Travelers’ intuitive apps for your smartphone if you are tech-savvy.
Macomb insurance requirements
Macomb drivers Michigan must have a 50/100/10 insurance policy Your insurance provider will pay up to:
- $50,000 per person to cover bodily injury/death
- $100,000 per accident for bodily Injury/ Death
- Property damage: $10,000 per accident
Drivers are also required to have PIP coverage. However, the requirements have been updated. You have six options from which to choose.
When shopping for car insurance in Macomb, remember that your lender or dealer will require you to have full coverage if you lease or finance a car. Do not limit yourself to lowest car insurance in Macomb. Compare full coverage between companies.
Macomb car insurance discounts
You may qualify for car insurance discounts such as:
- Driving defensively
- Good student
- Multi-policy
- Anti-theft
- Multi-car
Macomb drivers may be eligible for a temporary and quick discount by taking a defensive driving class with the state. It is easy to do online, or at a local driving school.
You may also be eligible for a customer loyalty discount, which allows you to insure multiple vehicles with the same provider. If you decide to purchase condo, homeowners, or renters insurance along with your car insurance company’s car insurance, you should consider how much you will save on insurance compared to the amount you will save on car insurance. While one company might offer car insurance at a lower rate, the other may offer more with a bundled policy.
Questions frequently asked
Which is the best auto insurance company?
There is no one provider that will be the best for everyone. Compare providers and get multiple quotes to find the best deal.
Is Michigan still considered a state of no-fault?
Yes. PIP is available if your insurance company covers auto accident injuries, and your deductible falls below $6,000.