Best cheap car insurance in Clinton

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If you’re purchasing car insurance in Clinton, Michigan, expect to pay about $864 for minimum or $2.004 for full coverage. While this is a lot of money, it’s not as expensive as other areas in the state (for example, drivers in Warren pay about $1,480 and $3,346). Insurance in Clinton is cheaper because the city accounts for less than 1% of the state’s accidents (in 2018, it only had about 2,500 accidents). The population is just 2,428, but the average car ownership is two cars per household.

Despite cheaper premiums than other areas of the state, it is possible to save even more. To determine the best car insurance in Clinton, we looked at various factors, including customer satisfaction, types of coverage, premium costs, financial strength and available discounts.

Best car insurance companies in Clinton

To narrow down the best car insurance companies in Clinton, we researched provider reviews from J.D. Power and closely analyzed premium costs, available discounts and coverage options.

Insurance Company J.D. Power Score Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Geico 851 / 1,000 $745 $1,334
MetLife 821 / 1,000 $429 $1,257
USAA 897 / 1,000 $457 $1,092
Allstate 830 / 1,000 $1,193 $2,514
Progressive 824 / 1,000 $750 $1,391

Geico

Geico offers inexpensive premiums no matter where you live in the country. It also routinely wins the best provider in certain regions of the U.S. with J.D. Power, as it did in 2020 with the North Central region of the U.S.

The best part about Geico is the number of discounts it offers its customers. Many of its discounts are pretty significant. Our favorite is the airbag discount, which could save you up to 23% on your premium, depending on your car’s safety rating. It also offers up to 25% off for purchasing policies for multiple vehicles and emergency deployment to military personnel.

MetLife

The best part about MetLife for drivers in Clinton is the amount of money that can be saved by bundling policies. Considered a customer loyalty discount, bundling your home and car insurance with MetLife saves customers about $562 a year on average. MetLife also has other discounts you may be able to take advantage of, too, such as automatic payment, good driver and good student.

USAA

USAA is an insurance company for active and retired military and their immediate family. It’s arguably the most well-reviewed insurance company on the market today. If it served the general public, this provider would win J.D. Power’s top provider across the entire U.S.

If you qualify, not only will you save a lot of money with USAA, but you’ll have the ability to save even more with its discounts. It doesn’t offer a ton of discounts compared to other providers, but the ones it offers are tailor-made for its customer base. For example, you can save up to 60% on your policy whenever you have to garage your car for an extended period.

Allstate

Allstate is a forward-thinking company with some great discounts. For example, with the Drivewise app installed on your smartphone, you could save over 40% on your premium based on how safely you drive. The app turns driving into a game by giving you safe driving challenges each time you get in the car. Complete challenges and you earn rewards points, which can be used for gift cards, additional savings, sweepstakes and more. They also offer discounts for a new car, multiple policies, good grades and more.

Progressive

Progressive has a great mobile app, which you can use for just about anything insurance-related, including changing coverage, filing a claim, making a payment or requesting roadside assistance. While having an app isn’t unique in the insurance world these days, Progressive’s app is comprehensive, works well and is intuitive to use.

Our favorite thing about Progressive is how easy it makes shopping for car insurance. Enter your budget, and Progressive will automatically list the types of policies you can afford at your price with its Name Your Price tool.

Cheapest car insurance in Clinton

The average price for car insurance in Clinton is $864 for minimum coverage and $2,004 for full. Statewide, the average price Michigan drivers pay is $948 and $2,309. Overall, Clinton drivers are faring better than the rest of the state, but not compared to the rest of the country. Currently, the average price across the U.S. is $531 for minimum and $1,624 for full. That’s a difference of $333 and $380. It warrants shopping around for cheap car insurance.

The table below looks at car insurance rates from the most popular carriers based on market share.

Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Travelers $76 $1,099
MetLife $429 $1,257
USAA $457 $1,092
AAA $736 $2,101
Geico $745 $1,334

You’ll find the best discounts with Geico, AAA and Travelers. All three companies offer numerous discounts to save you up to 20% or more on your premium. Metlife is an excellent company for bundling an auto policy with a home policy (homeowners, condo, or renters). While Travelers may be the cheapest, we think MetLife is also a good option, and only slightly more expensive. USAA is not available to everyone, but if you or a close family member is in the military, this provider offers excellent customer service and affordable premiums.

Clinton insurance requirements

Michigan requires all Clinton drivers to have a 50/100/10 policy, which means each driver must have a policy that provides up to:

  • $50,000 per person who is hurt or killed in an accident
  • $100,000 per accident for people who are injured or killed in an accident
  • $10,000 per accident for property damage

Michigan also requires drivers to have PIP coverage. However, the laws were recently changed. Drivers now have six choices for PIP coverage, one of which is to opt-out of it altogether if your health insurance covers car-related injuries at a certain level.

While minimum coverage may be attractive for its low cost, it is rarely a good idea to purchase the least coverage required. If you are in an accident, it is unlikely to completely cover you or your vehicle, which could cost a lot more in the long run. If you plan on leasing or financing a new car, your lender or dealership will require you to get full coverage. It’s a good idea to speak with a licensed insurance agent to determine how to get maximum value for your coverage.

Car insurance discounts in Clinton

Most car insurance providers offer these typical discounts to help you lower your premium:

  • Multi-car
  • Multi-policy
  • Defensive driving
  • Automatic payment
  • Paid-in-full

If you have a little extra time in your schedule, taking a defensive driving course will usually get you a decent discount with most providers. It usually doesn’t cost much and will pay for itself after only a few months.

,The best discounts with most companies usually revolve around customer loyalty. Insuring multiple cars or using the same provider for your home insurance needs (meaning renters, condo, or homeowners insurance) will often save you a significant amount of money on your policies. When you are deciding on a provider, look at your other insurance needs besides auto. Shop around and compare providers and available discounts to get the most for your money.

Frequently asked questions

What is the best car insurance company?

Car insurance is not one-size-fits-all. Everyone has unique needs, and premiums will vary greatly depending on your specific circumstances. To find the best car insurance company for you, it’s a good idea to shop around and compare providers. If in doubt, speak with a licensed insurance agent to find your ideal policy.

Is PIP insurance still required in Michigan?

Technically, personal injury protection (PIP) insurance is no longer required in Michigan. Still, to opt-out, your health insurance provider must cover car accidents, and your deductible must not be more than $6,000. The state does offer more flexible PIP options as of July 2020 if you are unable to opt-out altogether.

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.