Best cheap car insurance in Canton

1
Karen Van Atta / EyeEm/Getty Images
Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for .

Drivers in Canton, Michigan can expect to pay an average of $1,046 for minimum and $2,537 for full coverage, which is significantly higher than the national average of $565 for minimum and $1,674 for full. Insurance in Canton is expensive for a few reasons. For starters, Wayne County accounts for nearly 18% of Michigan’s population and has the most traffic incidents of any other county in Michigan each year. In 2018, for example, it had a total of 54,072 crashes, which accounted for 17% of the state’s total number of crashes that year.

However, this does not mean that there aren’t any deals to be found. To find Canton drivers the best insurance company at the best price, we looked at customer satisfaction scores, average premium costs, available discounts and each company’s financial strength.

Best Car Insurance Companies in Canton

We determined that the following companies offer the best cheap car insurance in Canton by looking at reviews and ratings from J.D. Power and AM Best, average premium cost and the number of available discounts.

Insurance Company J.D. Power Score Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Wolverine Mutual NA $350 $1,935
Chubb NA $356 $1,766
MetLife 821 / 1,000 $499 $1,474
Geico 851 / 1,000 $666 $1,383
USAA 897 / 1,000 $493 $1,244

Wolverine Mutual

Wolverine offers some of the lowest premiums in Michigan, especially when it comes to minimum coverage. However, they also provide customers several ways to save even more on their monthly bill by offering these discounts:

  • Good student
  • Safe driver
  • Multi-car
  • Bundling

Out of all of the available discounts, you’ll get the most bang for your buck if you bundle your Wolverine Mutual auto policy with condo, renters or homeowners insurance. Not only will you save on your auto policy, but you’ll also bring your premiums down for the additional policies you purchase.

Chubb

Though Chubb hasn’t been scored by J.D. Power yet for its auto insurance, it performed so strongly in other categories that it made our top five. The first thing you need to know about Chubb is that it has a ton of coverage options. You can get coverage for things like your locks and keys, pets, windows and even your child’s car seat. They also offer things like worldwide rental coverage and coverage for manufacturer parts, which will pay for original manufacturer parts instead of anything considered ‘aftermarket.’

Chubb also offers discounts for things that are easy to add to your vehicle, like airbags, anti-theft devices, anti-lock brakes and daytime lights. The savings for these devices aren’t huge, but they lower the premium even more on an already affordable policy.

MetLife

MetLife claims that customers save an average of $906 a year when they bundle their auto policy with homeowners, renters or condo insurance. But that’s not all MetLife has going for it; this provider offers an array of coverage options to suit just about any need and budget.

MetLife also uses technology to help keep Michigan roads safer. With the My Journey® app, it analyzes your driving and cell phone habits and lets you know when you’re about to put yourself and others at risk. This app is a great tool for any young drivers that are on your policy.

Geico

Geico has a lot to offer, but the most attractive thing about this provider is the number of car insurance discounts. For example, insure multiple cars with Geico, and you could save up to 25 percent on your premium. Have an anti-theft system installed, and you might save up to 23 percent. Daytime lights will get you a three percent discount.

Geico also has some of the most robust customer satisfaction scores in the industry. J.D. Power awarded it the top spot for the North Central states.

USAA

While USAA only serves active or retired military (or their immediate family), it is consistently ranked one of the business’s best insurance providers. For starters, it offers cheap premiums for both minimum and full-coverage options. The discounts it offers to military personnel and their families are also top-notch and aren’t offered by most other providers. For example, any time you have to store your vehicle in a garage while on deployment, USAA will reduce your premium by 60%.

Like Geico, USAA has exceptional customer service scores with J.D. Power. They’re so strong, USAA would be ranked as the number one provider across the U.S. with J.D. Power if it served the general public.

Cheapest car insurance in Canton

The average premium that Canton drivers pay for minimum and full coverage is slightly higher than other Michigan drivers pay, but not by much (the state average is currently $948 for minimum and $2,309 for full). However, as noted earlier, Canton drivers pay significantly more than most U.S. residents — nearly $500 more for minimum coverage and almost $900 more for full coverage.

There are some affordable options, though. The following table looks at the cheapest car insurance in Canton, Michigan, from the most popular carriers.

Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Travelers $259 $3,586
USAA $493 $1,244
MetLife $499 $1,474
Geico $666 $1,383
Progressive $717 $1,393

These companies are all nationally known for providing exceptional service. Travelers offers extremely cheap minimum coverage but are the most expensive for full coverage on this list. USAA and MetLife come out around the national average. Geico and Progressive are slightly higher for minimum coverage but offer relatively cheap full coverage options.

Each offers a robust, user-friendly mobile app and broad coverage options. You’ll find the most discounts with Travelers, Progressive and Geico, but MetLife and USAA offer cheap premiums without the need for multiple discounts.

We recommend speaking with a licensed insurance agent to determine which provider has the best options to suit your unique needs.

Canton insurance requirements

Michigan requires all drivers to have a 50100/10 policy that must cover up to:

  • $50,000 per person for bodily injury
  • $100,000 per accident for bodily injury
  • $10,000 per accident for property damage

Additionally, Michigan law also previously required all drivers to purchase personal injury protection (PIP) insurance, but a recent change in state law allows drivers to purchase the level of personal injury protection they want or even opt-out if they have a healthcare plan that covers auto-related injuries.

When choosing a policy, don’t necessarily judge a company solely by the average amount it charges for minimum coverage because you may very well need additional coverage to fully cover yourself and your vehicle, especially if you plan to lease or finance a new car. Many lenders and dealerships require buyers to purchase full coverage as part of their qualification process.

Car insurance discounts in Canton

Canton drivers can also save money on car insurance by looking for all available discounts. These are some typical discounts that most providers offer:

  • Multi-Car
  • Defensive Driving
  • Good Student
  • Multi-Policy
  • Anti-Theft

Most providers also provide financial incentives for using them for all of your insurance needs. Use the same company to insure multiple vehicles or your home, condo or apartment, and you’ll likely save money.

Taking a defensive driving course is also a fast and easy way to save on your premium. You can do it online at your convenience or in person at a local driving school. It only costs a few bucks and usually pays for itself after just a few months.

Frequently asked questions

What is the best car insurance company?

There is not ‘one’ best car insurance company, because everyone has different needs. It’s always a good idea to shop around and compare providers to see what works best for you. A licensed insurance agent can also give you some insight into how to get the best coverage at the most affordable price.

Can you opt-out of PIP in Canton, Michigan?

Yes, as of July 1, 2020, you can not elect not to have PIP in Michigan. However, you may only do so if your health insurance will cover car-related injuries and has a deductible of less than $6,000.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 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 coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Lauren Ward
Insurance Contributor
Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and Reviews.com. She covers auto, homeowners, and life insurance, as well other topics in the personal finance industry.