Best cheap car insurance in Southfield

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Drivers in Southfield, Michigan are required to have car insurance, just like other drivers. Southfield’s average annual car insurance cost is $3,550 for full coverage, and $1,487 to get minimum coverage. Michigan car insurance is costly. This may be due to the reputation of Michigan having the worst drivers. However, there are some insurance companies that are more affordable than others. Based on customer satisfaction ratings and average premiums, we found the best and most affordable Southfield car insurance companies.

Southfield’s best car insurance companies

Southfield’s best car insurance companies offer lower rates, excellent coverage options, generous discounts and third-party ratings that improve customer satisfaction. These are the top four Southfield car insurance companies:

Insurance companyJ.D. J.D.Minimum coverage: Average annual premiumFor full coverage, the average annual premium
USAA*897 / 1000$588$1,490
Geico851 / 1000$1,055$2,061
Auto-Owners845 / 1000$1,198$2,819
Grange832 / 1000$2,283$3,048

*USAA does not qualify for rank due to the requirements of military-affiliation membership.

USAA

USAA is considered one of the most reputable insurance companies. USAA coverage is only available to active duty military personnel, retired military service members or their family members. Southfield residents who qualify for USAA coverage will be able to take advantage of the low rates, great customer service and amazing discounts. USAA offers discounts for safe drivers, good students, and those who drive safely.

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Geico

Geico is well-known for providing cheap car insurance in Southfield as well as all over the country. Geico’s average full coverage policy costs $1,500 less than the Southfield average rate. Geico also offers a range of discounts including savings for students, federal employees, emergency deployment, and vehicles with safety features. Geico’s coverage and endorsements are very limited.

Auto-Owners

In the 2020 J.D., Auto-Owners was rated above average in customer satisfaction. Power Auto Insurance Study in the North Central region. AM Best has rated Auto-Owners as having an A++ (Superior), financial strength rating. Auto-Owners offers low rates and reliable coverage with endorsements such as gap insurance, diminished-value coverage, roadside assistance, and more. Southfield drivers may find the Auto-Owners Personal Automobile Plus Package appealing, which includes 10 additional coverages like lock replacement and cell phone replacement.

Grange

Grange is an excellent provider of car insurance for Southfield drivers looking to purchase a policy with optional coverages. Grange is known for its endorsements such as pet injury coverage, full windshield repair, OEM coverage, and gap insurance. Grange offers discounts for safe drivers and good students. You can also save by having your premium paid in full, safety equipment in your vehicle, bundling your policies, or paying your premium completely.

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Southfield has the lowest car insurance

The average cost for car insurance is significantly higher than the average Michigan rate. The average Michigan driver spends $2,309 annually on full coverage insurance, and $948 annually on minimum coverage. The annual average rate in the United States is $1,674 for full coverage or $565 for minimal coverage.

Every driver will have a different lowest car insurance company in Michigan. Below is a table that shows the cheapest Southfield car insurance rates based on market share.

Insurance companyMinimum coverage: Average annual premiumFor full coverage, the average annual premium
Travelers$111$1,884
USAA$588$1,490
MetLife$807$2,338
Progressive$1,000$1,885
Geico$1,055$2,061

These five providers offer the lowest car insurance policies for Southfield. However, each one has its pros and cons. USAA, for example, has the lowest rates but you must be a member of the military to purchase coverage. There are no affiliation requirements for the other providers on this list.

Based on the coverage available, Progressive, MetLife, and Travelers may be the best choices. USAA and Geico have limited coverage so they may not be the best options for drivers looking for endorsements.

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These five carriers offer amazing discounts in addition to their low rates. The exact discounts offered by each company will vary. Geico, for example, is the only carrier to offer a discount for federal employees. Travelers, on the other hand, is the only one that offers discounts to hybrid car owner.

Insurance requirements for Southfield

Southfield drivers must have car insurance if their vehicle is registered in Michigan. The minimum coverage requirements for Southfield are 250/500/10. This includes the following personal liability coverages.

  • $50,000 bodily injury liability coverage per individual
  • $100,000 bodily injury liability coverage per accident
  • Property damage liability coverage up to $10,000 per accident (outside Michigan only).

Southfield drivers must have personal liability insurance. They also need to have Personal Injury Protection (PIP), and Property Protection Insurance(PPI) in order to comply with the state’s no fault insurance laws. PIP provides coverage for your medical expenses as well as lost income. PPI covers damage to other vehicles or property. If certain conditions are met, Michigan drivers can opt out of PIP Medical coverage.

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Although it is the most affordable option, a minimum coverage policy is not recommended. A minimum coverage policy does not offer any protection for your vehicle. There is also no guarantee that it will provide adequate liability protection in case of an accident. Although full coverage insurance is not usually required, it may be necessary in cases where drivers lease or finance their vehicle.

Southfield: Car insurance discounts

Many Southfield car insurance companies offer discounts that will help drivers reduce their premiums. The following are some of the most popular discounts in Southfield:

  • You may be eligible for a discount if you take a defensive driving or safe driving course.
  • Smart student: Students in high school or college who have a minimum GPA may be eligible for a smart student discount.
  • Multi-vehicle Insurance: Most insurance companies will lower your rates if you have multiple vehicles.
  • Safety equipment for vehicles: Vehicles equipped with certain safety features like anti-theft systems, anti-lock brakes and airbags can often get a discount.

Questions frequently asked

Which is the best auto insurance company?

Each person will have their own opinion about the best car insurance company. Some drivers prefer local carriers while others might choose a company that offers a wide range of discounts. Drivers should shop around to compare providers and get quotes to find the best rate.

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What is the cost of Southfield car insurance?

The average Southfield full coverage policy is $3,550/year, while the average minimum coverage policy is $1,487/year. Car insurance rates can be personalized. When calculating your premium, insurance companies consider factors such as your age, ZIP code and credit score.