Michigan drivers pay $1,480 annually for minimum coverage and $3,346 for full coverage. These prices are much higher than the national and state averages. Warren residents pay more for their car insurance due to a number of factors. One reason is the number of traffic accidents in Macomb County every year. For example, in 2018, Macomb had 25,784 traffic accidents with 20,360 incidents of property loss, 5,372 injuries and 52 deaths.
Bankrate conducted a thorough review of several major Michigan car insurance providers to find the most affordable and reliable. We evaluated the average premium cost and customer satisfaction scores of each company, and then assessed each one by its coverage options and discounts.
Warren has the best car insurance
Before deciding on the best Warren, Michigan car insurance, we considered a number of factors. These factors included coverage options, discounts available, 2020 J.D. Power Auto Insurance Study scores, average premium prices and average premium prices. These are the top-rated companies in Warren that we have evaluated.
| Insurance company | J.D. J.D. (North Central) | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|---|
| Geico | 851 / 1000 | $1,087 | $2,021 |
| MetLife | N/A | $659 | $2,005 |
| Progressive | 824 / 1000 | $980 | $1,792 |
| Travelers | 828 / 1000 | $111 | $1,884 |
| USAA | *897 / 1000 | $564 | $1,447 |
*USAA rank-ineligible due military and veteran status requirements.
Geico
Geico’s coverage may be limited, but discounts are available through Geico. This could lead to significant savings. Geico offers several discounts that can help you save up to 23%-25%. Geico is a great option for insurance because of its customer loyalty discounts.
MetLife
MetLife estimates that MetLife’s auto insurance policy helps costumers save on average $562 each year. Bundling an auto and home policy can save you more than $900. MetLife’s auto policies offer more than just savings. They also include special options like repair and referral networks, and parts replacement.
MetLife customers can also save with the My Journey program. Customers could save as much as 25% on their first year and as much as 30% each year if they maintain a high driving score.
Progressive
Progressive is an insurance company that is nationally recognized. Progressive offers a wide range of standard and non-standard coverages and discounts. It also has affordable rates. Progressive will even allow you to submit your budget to see all the options available within your budget.
Progressive offers a safe driving program, Snapshot. Progressive might offer savings for good driving habits if you track your driving habits.
Travelers
Travelers offers 14 savings and discount opportunities that can help you save money on your car insurance premium. Some discounts can save you up to 7%. Travelers might offer a 7.5% discount if you pay the full amount. You could also save up to 8% by taking a driving course approved by Travelers. There are many options available for travelers looking for car insurance. These include rental or gap insurance.
USAA
USAA provides insurance for active and retired military personnel as well as their families. It is one of the best-reviewed companies in the insurance industry today. The company has received top marks in third party ratings such as J.D. Every year, power auto studies are conducted. USAA membership restrictions mean that it is not eligible for rank.
USAA doesn’t offer many discounts but they do offer specific discounts that are tailored to its customers. USAA offers discounts up to 60% if you have to park your vehicle while on deployment.
Warren has the lowest car insurance
Michigan currently ranks fourth in terms of minimum and complete coverage. Warren, however, would be the best state for most expensive coverage. Below is a table showing how Warren compares to the Michigan state average and the national mean for car insurance.
| Warren average | Michigan average | U.S. average | |
|---|---|---|---|
| Minimum coverage | $1,480 | $948 | $565 |
| Full coverage | $3,346 | $2,309 | $1,674 |
Warren drivers are likely to pay higher for car insurance than other residents, but there are still some providers that offer better deals .
| Insurance company | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|
| Travelers | $111 | $1,884 |
| USAA | $564 | $1,447 |
| MetLife | $659 | $2,005 |
| Progressive | $980 | $1,792 |
| Geico | $1,087 | $2,021 |
Each of the listed companies offers great coverage options. Although they are less expensive than the Warren average, this does not mean that they offer a lower quality product. USAA is not as competitive when it comes to discounts. However, it offers lower premiums. App-wise, Geico, Progressive, and Travelers all offer easy user experiences.
All these providers offer the option to bundle MetLife policies, which could result in significant savings.
Warren insurance requirements
Warren drivers must have a minimum 50/100/10 coverage policy. This means:
- $50,000 per person to cover bodily injury/death
- $100,000 per accident for bodily injuries or death
- Property damage: $10,000 per accident
Michigan is a no fault state. Drivers are required to have personal accident protection (PIP), because of this. Six options are available:
- Unlimitted coverage
- Coverage up to $500,000
- Coverage up to $250,000
- For drivers who don’t have non-Medicaid coverage and are injured in an accident, you can get up to $250,000 of coverage with medical exclusion
- For policyholders who are enrolled in Medicaid and whose family members have an insurance policy that covers accidents-related injuries, coverage can be up to $50,000
- PIP opt out – This is for drivers whose insurance covers injuries sustained in a car accident and whose deductible does not exceed $6,000
Insurance experts recommend that you purchase more coverage when shopping for car insurance in Warren. Full coverage is required for financing or leasing new cars. It will help you to cover any accident beyond the minimum coverage limits. Dealerships and lenders often require full coverage before they approve a sale.
Warren offers car insurance discounts
Warren’s high-cost car insurance policy is not affordable. However, qualifying discounts can often be a way to save money. These are some of the most common:
- Driving courses: There are many insurance companies that offer discounts for defensive driving.
- For students or those who include a student driver to your policy, you may be eligible for good student discounts. This is because you must maintain a minimum of a B average.
- Pay-in-full : Many providers offer discounts to pay your premium in full.
- Loyalty discounts for drivers: These loyalty discounts are available to customers who have multiple policies or cars.
Customer loyalty discounts are the best way to get discounts with any company. These discounts include multi-car or multi-policy discounts. Although every company might not offer the lowest premiums for car insurance, you can save a lot of money by combining loyalty with other discounts.
Questions frequently asked
Which is the best auto insurance company?
Some drivers are not just looking for the lowest price provider. This is not an easy question to answer. Some drivers are looking for a company that offers unique coverage options or great customer service. Check out these top car insurance providers.
Is Michigan still considered a state of no-fault?
Yes. However, Michigan’s recent law change has resulted in Michigan’s no fault status. Although you can opt out of PIP, your health insurance provider must still cover auto insurance accidents. Your deductible must not exceed $6,000.
