Livonia, Michigan, is a distant suburb of Detroit, which is a major metropolis where car insurance rates are understandably higher than the average. As such, the average cost of car insurance in Livonia costs, on average, $1,058 per year for minimum coverage and $2,534 per year for full coverage insurance. That’s higher than the average cost of car insurance in Michigan, which is $948 per year for minimum coverage and $2,309 per year for full coverage car insurance. It’s also significantly higher than the average cost of car insurance nationwide.
Luckily, drivers may be able to find best car Insurance in Livonia at an affordable price without putting their coverage at risk. Some of the best car insurance companies in Livonia offer below average rates, as well as great coverage options, discounts and customer service. Progressive offers the cheapest average car insurance rates in Livonia for both full coverage and minimum coverage policies, according to Bankrate’s 2021 study of quoted annual premiums, and there are other potential options if you’re looking for the best cheap car insurance in Livonia.
Best cheap car insurance companies in Livonia
Progressive, Auto-Owners, Geico and State Farm offer the cheapest car insurance rates on average in Livonia, according to Bankrate’s analysis of rate data from Quadrant Information Services. After analyzing the average rates, we awarded each provider a Bankrate Score out of 5 points to determine the best cheap car insurance in Livonia. Bankrate Scores are calculated based on factors like accessibility, customer experience from J.D. Power, financial strength, online and mobile resources, and affordability.
When comparing the best car insurance companies in Michigan, it can be helpful to get personalized rate quotes to see which carrier offers you the lowest rate. It can also be helpful to compare providers based on your specific needs or wants, like certain types of coverage options or customer service ratings. Drivers can use these same factors to determine which of the cheapest car insurance in Michigan is the best fit for their needs.
|Insurance company||Bankrate Score||J.D. Power score
(North Central region)
|Average annual premium for full coverage||Average annual premium for minimum coverage|
Progressive offers the cheapest average car insurance rates in Livonia for both full coverage and minimum coverage policies, based on our research. The company was rated above average for overall customer satisfaction by J.D. Power, which indicates that current customers are satisfied with Progressive’s customer service, affordability, claim handling and related factors. Progressive also offers a number of unique discounts, which could help Livonia drivers earn an even lower rate. Plus, this company offers a safe driver reward program, called Snapshot, which it claims saves customers an average of $146 per year. It’s worth noting, though, that Progressive offers fewer add-on coverage options than some other providers we reviewed.
Learn more: Progressive Insurance review
Auto-Owners offers the second-cheapest rates on average car for insurance in Livonia for both full and minimum coverage insurance. In addition to low average rates, Auto-Owners offers a variety of add-on coverages, like gap insurance, accident forgiveness, diminished value coverage, a common loss deductible and the Personal Automobile Plus Package, which includes 10 different endorsements. This company also tied with Progressive for overall customer satisfaction on the 2021 J.D. Power U.S. Auto Insurance Study, with a score of 842 out of 1,000. However, Auto-Owners does not provide online quotes. It relies on a network of agents to provide quotes instead, so you won’t be able to get an instant rate estimate online.
Learn more: Auto-Owners Insurance review
Geico offers average rates for full coverage insurance that are lower than the citywide average, but its minimum coverage policies are slightly more expensive than the average. Geico offers a long list of discounts, however, so it may be possible to lower your premium with this insurance company if you qualify for one. Discounts are available for eligible military personnel, emergency deployment, federal employees, affinity group members, good students, safe vehicles, policy bundling and more. Geico does not offer a ton of additional coverage options, though, which limits how much you can customize your policy.
Learn more: Geico Insurance review
State Farm’s rates are not the cheapest on average, but it offers lots of discounts, so you may be able to get a cheaper rate if you qualify for savings. In Michigan, State Farm offers discounts for good students, students who are away at school, safe drivers, having an anti-theft device in your car, and enrolling in the Drive Safe & Save or Steer Clear safe driver programs, among others. State Farm was also rated second by J.D. Power for overall customer satisfaction in the North Central region.
Learn more: State Farm Insurance review
How to get and keep the cheapest car insurance in Livonia
You may have secured a cheap rate when you purchased your insurance policy, but over time, your rate can change. For example, if you cause an accident, your premium is likely to increase. To avoid paying more for car insurance, you can take steps to maintain your low rate, including:
- Shop around with carriers. Insurance companies charge different rates, even for the same type of coverage. The discounts vary by company, too, which can have a big impact on your premiums. Before you purchase a policy, it could help to shop around and get price quotes from multiple insurers to find out which carrier offers the most affordable rates for your needs.
- Maintain a clean driving record. Insurance companies consider drivers with clean driving records to be less risky than drivers with accidents or tickets on their records. If you drive safely and avoid tickets or accidents, you’re more likely to be rewarded with lower rates for your car insurance, now and in the future.
Frequently asked questions
Bankrate utilizes Quadrant Information Services to analyze 2022 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.
Individual city rates represent 2021 data and a 2019 Toyota Camry.
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.