St. Clair Shores is famous for its Nautical Mile. It requires residents who live in Detroit to commute frequently. It is necessary to have one or more insurance-insured vehicles. Car insurance in St. Clair Shores, like elsewhere in Michigan, can be quite expensive. St. Clair Shores drivers pay twice as much at $1,208 per annum for minimum coverage. Full coverage insurance costs $2,737 per annum, which is more than the $565 national average.
However, insurance is mandatory in Michigan for all drivers. Therefore, affordable car insurance is the best choice. Michigan is home to more than 2,000,000 private-owned vehicles and more 7,000,000 licensed drivers. Because of its dense population, it is difficult to find affordable insurance in St. Clair Shores. However, shopping around may yield more cost-friendly options. Bankrate compared the rates and customer satisfaction ratings of the various providers that offer coverage in St. Clair Shores to determine the best options.
The best car insurance companies in St. Clair Shores
Although most major national insurers have offices in St. Clair Shores they are not all the same. However, some stand out based on financial stability and customer service. They also offer coverage options, discounts, and other benefits. Keep in mind that not all providers are the most affordable and vice versa. The 2020 J.D. The 2020 J.D. Power Auto Insurance Study ranked the following five insurance companies among other providers of customer service. They offer the best service and policies in St. Clair Shores.
| Insurance company | J.D. J.D. | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|---|
| Progressive | 824 / 100 | $815 | $1,473 |
| Secura | N/A | $115 | $826 |
| Chubb | N/A | $411 | $1,892 |
| Geico | 851 / 1000 | $985 | $1,835 |
| MetLife | N/A | $689 | $2,034 |
Progressive
Progressive is one the most trusted insurers. They offer a wide range of coverage options, as well as the option to add to your policy to suit your needs. The company offers affordable rates and has many perks that make car insurance easier, such as the Snapshot program. This program monitors driving habits and saves money to ensure safe driving. Name Your Price allows you to get an estimate of coverage within your budget.
The Flo Chatbot is available online to assist you with any questions. Combining Progressive policies can help you save a significant amount on your annual premium. It is the third largest insurer on the market and has the fastest claim payouts.
Secura
Secura is a trusted, smaller company that does not offer any special coverage options. You can choose from any of the packages instead. Mile-Stone Secura’s auto and home insurance package is available in two options. The basic package provides minimum liability coverage. It also includes golf cart liability protection and pet insurance. The “gold” package, on the other hand, includes extras such as roadside and travel assistance and rental allowance.
Although the features may seem quite standard, there are many discounts like hybrid vehicle, good credit, and electronic payment. Secura offers low rates in St. Clair Shores and an AM Best financial stability rating of A (Excellent), and a lower than average complaint index.
Chubb
Chubb offers a variety of discounts and rates to help you save. Chubb offers a wide range of additional coverages beyond the standard coverages. These include guaranteed value, original equipment manufacturer coverage, pet injury coverage, and child safety seat coverage. Chubb offers premium options for a fraction of the price, even though it does not offer car insurance discounts. You can also view and manage your policy using the mobile app.
Geico
Geico, a large provider that has extensive digital access, is able keep costs low and offer customers low prices. While its coverages may not be extensive and don’t offer any extras or features, there are still many discounts that can be used to save money.
Discounts are available for vehicle safety equipment and driving habits, driving courses, customer loyalty, and driving lessons. Bundling policies or insuring more vehicles can result in a lower premium. Geico policyholders have access to a wide range of online tools that allow them to manage their policy from any location.
MetLife
MetLife’s full coverage rates are a bit higher than St. Clair Shores, but still lower than St. Clair Shores average rates. MetLife can make up the difference by offering extras like new car replacement coverage, financial stability, and a long-standing company history. MetLife also offers a referral and repair network as well as a 24-hour customer service line.
Bundling auto and home insurance policies can get you discounts. Drivers can also select policy options that best suit their budget and needs. MetLife is not rated in the North Central area, but it has a J.D. The 2020 Auto Insurance Study gave a Power customer satisfaction score 831 out 1000 points.
Cheapest car insurance in St. Clair Shores
Michigan insurance is expensive. Even for small towns like St. Clair Shores the cost of full coverage car insurance is $2737 per year. This is significantly higher than the average of $1674 per annum. High rates can be explained by high traffic density, road accidents, theft, and insurance fraud. Higher risk is deemed by insurance companies, higher annual premiums.
| Insurance company | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|
| Travelers | $111 | $1,884 |
| USAA | $526 | $1,394 |
| MetLife | $689 | $2,034 |
| Progressive | $815 | $1,473 |
| Geico | $985 | $1,835 |
Travelers is a good option if you only need bare-bones coverage. They offer minimum coverage for $111 per annum. USAA offers full coverage at $1,394 per annum, which is the lowest cost. However, it is not available to active military personnel, veterans, and their families. Progressive, Geico, and MetLife are other insurance providers that offer affordable coverage, regardless of whether you need full or basic coverage.
These companies have been rated on customer satisfaction and service quality. However, rates may vary depending on where you live. It might be worthwhile to compare coverage options, so you don’t compromise the coverage you need.
St. Clair Shores Insurance requirements
Michigan’s minimum mandatory coverage of 50/100/10 is applicable to all areas of the state, even St. Clair Shores. Each driver must have at least:
- $50k bodily injury liability per individual
- Accidental bodily injury liability of $100,000
- $10,000 for property damage
Personal Injury Protection coverage is required for motorists in St. Clair Shores, Michigan. Michigan is a non-fault State. Although minimum coverage may seem like the best option in an expensive area, it is unlikely that basic liability coverage will provide enough coverage for the incident. This could mean that you might have to pay an out-of pocket expense. You may also need to have fuller coverage if your vehicle has been financed.
Car insurance discounts in St. Clair Shores
Discounts can be a great way to save money when insurance costs threaten to eat away at your wallet. These are some of the most popular discounts you can avail:
- Multi-policy discount: This discount is usually offered to combine two or more policies from one insurer.
- Safe driver: You could save money if you have a clean driving record, and you practice safe driving habits.
- Driving defensively: You may be eligible for a discount if you complete a defensive driving class.
- Drivers may be eligible for a claim-free discount if they are free from any accidents, violations, or claims over a period of time.
Many insurance companies offer discounts to customers who are eligible. This could help you save a significant amount on your premium.
Questions frequently asked
Which is the best auto insurance company?
Many insurance companies stand out from the rest because of their customer satisfaction, competitive rates and access to online tools and resources. While many insurance providers can be deemed the best, each individual will have different options.
Is St. Clair Shores liable?
Michigan is a state that is no-fault. The same applies to St. Clair Shores. In this case, the insurer will pay any claim for an accident regardless of the person responsible. PIP insurance is mandatory in order to meet the minimum requirements for liability.
Why is insurance so expensive in St. Clair Shores
Insurance costs in St. Clair Shores, Michigan are naturally higher than other cities. There are many reasons for this, including the dense population, high vehicle theft, insurance fraud, and high traffic fatality rates. It is possible to obtain affordable car insurance in Michigan, if you do your research and choose the right policy.
