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The average cost of car insurance in Canton, Michigan, is $2,537 per year for a full coverage policy, or about $211 per month. This means drivers in Canton are paying well above the average national cost for full coverage car insurance, which is $1,674 per year. The average cost of a minimum coverage auto policy in Canton is $1,046 per year, which is also higher than the national average of $565 per year for minimum coverage.
If you’re looking for the best cheap car insurance in this city to help save money on your policy, Travelers offers the cheapest car insurance in Canton, according to Bankrate’s 2021 study of quoted annual premiums. Other insurers, including USAA, Geico and Progressive, also offer some of the best cheap car insurance in Canton. To find Canton drivers the best insurance company at the best price, Bankrate looked at customer satisfaction scores, average premium costs, available discounts and each company’s financial strength.
Best cheap car insurance companies in Canton
Based on Bankrate’s analysis, the best cheap car insurance companies in Canton are Travelers, Geico, USAA and Progressive. To determine the best cheap car companies in Canton, we evaluated numerous factors, including premium rate data from Quadrant Information Services, reviews and ratings from J.D. Power and AM Best, financial strength and the number of available discounts.
We combined these factors and rated them on a scale with a maximum of five points, called the Bankrate Score. Using the Bankrate Score, drivers can better assess their priorities in finding the best car insurance in Canton, Michigan, at affordable rates.
|Insurance company||Bankrate Score||J.D. Power score*||Average annual premium for full coverage||Average annual premium for minimum coverage|
*Not officially ranked by J.D. Power due to eligibility restrictions
Travelers has the cheapest rates for full coverage car insurance in Canton, with an average annual cost of $1,325 for full coverage insurance. Travelers also offers a wide range of coverages that drivers can choose from to customize their policy. In addition to the common types of car insurance coverage, Travelers offers gap insurance, new car replacement, rideshare coverage, rental car reimbursement and accident forgiveness.
Canton drivers can also maximize their savings with Traveler’s stackable discounts, which includes early quote, continuous insurance, driver training, paid in full and homeownership discounts. Traveler’s also offers IntelliDrive, which tracks your driving and rewards you for safe driving habits. However, it’s worth noting that Travelers scores the lowest out of the companies on this list on the J.D. Power Auto Insurance Satisfaction Study for the North Central region.
Learn more: Travelers Insurance review
Whether you are looking for minimum or full coverage car insurance, Geico offers the second-cheapest average rates. On top of affordable rates, Geico offers drivers the chance to save even more by offering a significant number of car insurance discounts to drivers. With Geico, you can also customize your car insurance policy by adding mechanical breakdown insurance, which offers potential savings on car repairs that are not the result of a covered accident.
Geico also offers multiple ways to stay connected online with its mobile app, Amazon Alexa, Google Assistant, various social media accounts and online accessibility. However, it’s worth noting that this insurance company ranks two points below the regional average for the North Central region. That said, Geico also ranks above average in the J.D. Power Auto Claims Satisfaction Study.
Learn more: Geico Insurance review
USAA offers the cheapest rates for minimum coverage car insurance in Canton and also offers some of the cheapest rates in Canton for full coverage car insurance. USAA also received the highest scores in customer satisfaction from J.D. Power, and the discounts it offers to military personnel and their families are also top-notch.
These types of discounts aren’t offered by most other providers. Drivers who insure their cars with USAA can get access to discounts like bundle and save, annual miles, no monthly fees, family and on-base military savings. For example, any time you have to store your vehicle in a garage while on deployment, USAA will reduce your premium by up to 60%.
However, only current and retired military members, veterans and their qualified immediate families are eligible for membership to take advantage of what USAA has to offer.
Learn more: USAA Insurance review
Progressive offers average rates that are far below the average for Canton for both minimum and full coverage auto insurance. Drivers who insure their vehicles with Progressive have the option to add extra coverages like rental car reimbursement, gap insurance, custom parts and equipment, roadside assistance, rideshare and deductible savings bank. Plus, the savings bank offered by Progressive is a great way to lower out-of-pocket costs when filing a claim and paying a deductible. This insurance company also offers discounts for homeowners, teen drivers, safe drivers, those who pay in full or automate payments or sign documents online.
Note, though, that while Progressive ranked above average on the 2021 J.D. Power Auto Insurance Study for the North Central region, it rated below average on the Auto Claims Satisfaction Study.
Learn more: Progressive Insurance review
How to get and keep the cheapest car insurance in Canton
Getting a cheap rate on car insurance can help you save money, but you also need to keep that rate over time.
- Compare quotes: Insurance companies offer unique rate structures, coverage options and discount offerings. This means the same coverages could cost more with one carrier compared to another. By asking different companies for quotes, you can compare and make sure you’re getting the most affordable rates without having to forego important coverages.
- Shop around regularly: You may also want to shop around regularly after you purchase your policy to make sure you’re getting the best deal.
- Look for discounts: Insurance providers regularly find new ways to reward responsible driving habits and clean driving records. Ask at each renewal if there are new ways to save that you are not currently taking advantage of.
- Practice safe driving habits: The easiest way to keep your cheap car insurance rate is to drive safely and avoid being convicted of tickets, driving violations or at-fault accidents. A clean driving record also makes it easier to take advantage of discounts and other incentives offered to low-risk drivers.
Frequently asked questions
What is the best car insurance company in Canton?
The best car insurance companies in Canton will vary for each driver. That’s because your car insurance rate may be based on multiple personal factors, like your driving record, coverage needs, the make and model of your car, your ZIP code, your gender and other factors. However, your ZIP code and gender are banned rating factors in Michigan as of 2022, so they cannot be considered when determining your insurance premium. That’s why it can benefit you to get several quotes from insurers to find the best car insurance company for your needs.
Can you opt-out of PIP in Canton, Michigan?
Yes, you can opt out of PIP coverage in Canton. As of July 1, 2020, drivers could choose not to elect to have PIP in Michigan. However, you may only do so if you are carry both parts of Medicare (both A & B), and all other household members must either have qualified health coverage or must be covered under another auto policy with PIP medical coverage. As such, it’s important to understand what the opt-out requirements entail and whether or not you qualify to do so.
How can I lower my car insurance rates in Canton?
Drivers have numerous options for lowering their car insurance rates in Canton. One of the easiest options is to practice safe driving habits and avoid tickets and at-fault accidents, which will likely give you access to the cheapest rates in your area. You can also ask insurers about available discounts and stack as many as possible to maximize your savings. It may also benefit you to weigh the coverages you need and review your policy regularly to ensure that you are not paying for unnecessary coverage.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.
To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.
While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.