The average Michigan household has two cars in Westland, which is a city of just over 82,000 residents . Michigan drivers must have car insurance, just like in most other states. The average cost of car insurance in Westland is $1,259 per year for minimum coverage, and $2,898 for full coverage.
Finding the best and most affordable Westland car insurance company can be easier with a higher than average car insurance rate and a median household income of $48,000. Bankrate looked at a variety of factors including coverages, average rates, financial strength, customer satisfaction, and discounts to find the best car insurance for Westland residents.
Westland’s best car insurance companies
Bankrate was able to obtain current information on the average premium for Westland’s insurance providers. We also considered customer satisfaction ratings, discounts offered, and financial strength scores when searching for the best Westland car insurance companies.
According to our research, the following companies offer the best car insurance options in Westland:
| Insurance company | J.D. J.D. (North Central region). | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|---|
| USAA | 897 / 1,000 | $534 | $1,379 |
| Auto-Owners | 845 / 1,000 | $964 | $2,210 |
| Geico | 851 / 1,000 | $1,140 | $2,009 |
| Allstate | 830 / 1,000 | $1,520 | $3,194 |
USAA
USAA offers insurance to eligible members of the military and their families. USAA provides competitive rates and excellent customer service, even though not all are eligible. In the 2020 J.D., they received an 897 score out of 1000. They are not eligible for an official ranking in the Power U.S. Auto Insurance Study.
USAA offers many discounts to policyholders, even though its full and minimum coverage rates are well below Westfield’s average premium levels. A safe driver, low annual mileage or garaging your vehicle at a military base could all qualify for a discount.
Auto-Owners
Auto-Owners is a great option for Westland drivers who are looking for personal service. The company provides auto coverage through independent agents. All the standard auto insurance coverages are available. You also have the option of customizing your policy by adding endorsements such as diminished value coverage or gap coverage. Saving money can be achieved by purchasing your policy in full, insuring more cars than you need, or opting to receive paperless statements.
The 2020 J.D. ranked Auto-Owners third. The 2020 J.D. Power U.S. Auto Claims Satisfaction Survey ranked Auto-Owners third. This shows that customers are generally satisfied with the company’s claims-handling processes. The company also received an A++ rating from AM Best. This indicates that it is financially sound.
Geico
Geico has affordable rates but does not offer many endorsement options that can be customized to your coverages. The company offers a variety of discounts to keep your insurance costs down. A federal employee, a student, or having safety features on your vehicle can all get discounts.
Geico also provides a robust mobile application and an online customer portal. If you’re looking for digital tools, Geico might be the right fit. In the 2020 J.D., the company received the highest score for the North Central region. Power U.S. Auto Insurance Study.
Allstate
Allstate might make up the difference by offering coverage options. There are many options available, including sound equipment coverage. Allstate offers discounts to lower your premium. This includes savings for teens and responsible payers.
The Drivewise program by Allstate is a great option. This program could not only help you save money but also encourage safe driving habits. It works through a mobile app that tracks your driving and helps you to identify areas where you can improve.
Westland has the lowest car insurance
Westland drivers pay high premiums to insure their cars. On average, the minimum coverage costs $1,259 annually and full coverage costs $2,898 annually. Michigan drivers pay an average of $948 annually for minimum coverage, and $2,309 per year for full coverage. Both Michigan and Westland rates are higher than the national average cost for car insurance, which is $565 annually for minimum coverage, and $1674 annually to cover full coverage.
Bankrate reviewed premium data from 25 of the largest insurance companies by market share to find the best car insurance providers in Westland. The following companies were found to be the most affordable car insurance providers within Westfield
| Insurance company | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|
| USAA | $534 | $1,379 |
| MetLife | $676 | $1,769 |
| Auto-Owners | $964 | $2,210 |
| Progressive | $977 | $1,689 |
| Geico | $1,140 | $2,009 |
When shopping for insurance, it is important to look beyond finding a affordable car insurance provider. When shopping for insurance, you should consider customer service reviews, claims satisfaction and financial strength as well as coverage options and discounts.
Insurance requirements for Westland
Michigan law requires drivers to have at least minimum liability coverage in order to drive legally. Minimum coverage levels required are:
- Bodily Injury per Person: $50,000
- Accident-related bodily injury: $100,000
- Property damage: $10,000
Michigan is a state that has no fault. Therefore, drivers must have personal injury protection (PIP), vehicle protection insurance (PPI), and residual liability insurance.
Experts in insurance recommend you buy higher liability limits if possible. If your state’s minimum liability limits are exceeded, you could be responsible for out-of-pocket costs. Full coverage insurance provides coverage for your vehicle. Financial institutions will often require you to have full coverage insurance if you have a vehicle loan or lease.
Westland offers car insurance discounts
Westland drivers might have higher than average premiums. However, discounts can help reduce your insurance costs. These are the Michigan discounts that have the greatest impact:
- Anti-theft discount. Michigan is unfortunately a hotspot for auto theft. Your insurance company might offer a discount if you have anti-theft device on your vehicle, such as a GPS tracker or car alarms, and steering wheel locks.
- Insurance discounts for continuous drivers: Although car insurance in Westland is costly, drivers who keep coverage can get a discount by switching companies quickly and not leaving any gaps in their coverage.
- Good driving discounts: Keeping a clean driving record and avoiding tickets and accidents could help you save money on your car insurance in Westland.
- Safety features Discount: You might be able save more on your car insurance if you have more safety features. Safety features such as multiple airbags, anti-lock brakes, and accident avoidance system can help reduce car insurance costs.
If you’re unsure whether you are getting the most discounts, you can contact your insurance company and have it reviewed.
Questions frequently asked
Which is the best Westland car insurance company?
Identifying the factors that are most important to you is the first step in finding the best car insurance company to meet your needs. Do you care most about price? Are you looking for specific coverage options? Do you want outstanding customer service? You can get quotes from multiple companies once you have identified your priorities.
What amount of car insurance do you need in Westland
To drive legally in Michigan, you will need to have at least 50/100/10 liability limits. You also need personal injury protection (PIP), Property Protection Insurance (PPI), and residual liability insurance. To satisfy your bank’s requirements, full coverage insurance will be required if you have a vehicle loan or lease. Talk to an insurance professional licensed in your area about the best coverage for you.
What is the cost of car insurance in Westland?
Westland rates are more expensive than the national average, at $1,259 per year for minimum coverage, and $2,898 per year for full coverage. Your specific characteristics, such as your age, driving record, type of car and coverage required, will impact the rate you pay.