Best cheap car insurance in Macomb

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Macomb county is one of the most densely populated counties in Michigan. Therefore, it should come as no surprise that its residents pay more for car insurance. Currently, the average driver pays $1,213 for minimum and $2,726 for full coverage.

It’s expensive for a variety of reasons outside of its population. The main reason, however, is that it has the second most car accidents in Michigan. In 2018, for example, it had 25,784 traffic accidents, which accounted for 8% of all accidents in the state (Michigan has 83 counties).

Despite insurance companies having their reasons, it is still possible to find a deal. To find the best cheap car insurance in Macomb, we analyzed such data points as average premium cost, customer satisfaction scores, financial strength, types of coverage, and available discounts.

Best car insurance companies in Macomb

Looking at review companies such as J.D. Power, AM Best, as well as coverage options, available discounts and average premium costs based on real 2021 rate data provided by Quadrant Information Services, we chose the best options.

Insurance company J.D. Power customer satisfaction score Average annual premium for minimum coverage Average annual premium for full coverage
Allstate 830 / 1000 $1,501 $3,033
Geico 851 / 1000 $1,061 $1,884
Progressive 824 / 1000 $841 $1,612
Travelers 828 / 1000 $93 $1,318
USAA 897 / 1000 $521 $1,305

Allstate

Allstate isn’t the cheapest on our list, but it’s a great company that offers it customers numerous ways to save on their auto policy. It’s particularly useful if you have or are a student yourself. You may get student discounts by maintaining a GPA of 2.7 or higher, taking the teenSMART driver education program or garaging your car while you’re at school.

Geico

Geico is a nationally known company for a reason: it offers low insurance costs with great customer service (in fact, J.D. Power named the number one provider for Michigan in 2020). If that weren’t enough, you may be able to make your already low insurance bill even lower by taking advantage of its numerous discounts.

Progressive

Progressive has its share of discounts too. In fact, it has so many that it’s able to boast that customers who switch to them save an average of $750 through discounts. We particularly like Progressive’s ‘name your price’ tool where you tell the site your budget and needs. Almost instantly, Progressive is able to tell you what coverage types and liability limits fit within your budget.

Travelers

Travelers offers Michigan drivers 14 potential ways to save through its discounts, many of which offer big savings. Open up multiple policies with Travelers, and you could save up to 13% on your car insurance. The coolest is undoubtedly the IntelliDrive® discount. IntelliDrive® is a smartphone app that analyzes your driving behavior for 90 days. If it’s determined that you are a safe driver, Travelers may give you up to a 20% discount on your premium.

USAA

USAA is a military based insurance company that only insures active and retired military as well as their eligible family members. USAA doesn’t offer too much in the way of discounts, but it offers the ones you’ll more likely be able to take advantage of right out the gate. For example, if you need to garage your vehicle for an extended period of time, USAA will give you up to 60% from your premium.

Cheapest car insurance in Macomb

Macomb is higher than both the state average and the U.S. average when it comes to car insurance.

Here’s how it compares:

Macomb average Michigan average U.S. average
Minimum coverage $1,213 $948 $531
Full coverage $2,726 $2,309 $1,624

Currently Macomb is $265 and $417 more expensive than the Michigan state average. This is plenty of reason to shop around! Here are the cheapest providers operating in Macomb County:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Travelers $93 $1,318
USAA $521 $1,305
MetLife $660 $1,670
Progressive $841 $1,612
Auto-Owners $929 $2,243

Each company listed above is nationally recognized for providing excellent customer service. As discussed, USAA is an exclusive company, but if you qualify, you might save money on your car insurance. MetLife is a great company to bundle with home insurance (meaning homeowners, condo, or renters), while Travelers, Progressive and Auto-Owners all offer unique ways you can potentially save. If you’re tech savvy and like a good app, take a look at Progressive or Travelers, as they both have powerful and intuitive smartphone apps.

Macomb insurance requirements

Drivers in Macomb, Michigan, are required to have a 50/100/10 policy. This means if you’re in an accident, your insurance provider will cover up to:

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

Additionally, drivers are required to have PIP coverage, but the requirements have recently been changed. You now have six options to choose from.

While shopping around for car insurance quotes in Macomb, keep in mind that if you’re leasing or financing a new car, your lender or dealership will require you to get full coverage. Therefore, don’t just look at minimum coverage when it comes to cheapest car insurance in Macomb. Also compare full coverage averages between companies.

Car insurance discounts in Macomb

Possible car insurance discounts you may be eligible for include:

  • Defensive driving
  • Good student
  • Multi-policy
  • Anti-theft
  • Multi-car

Drivers in Macomb may also qualify for a quick and permanent discount by taking a defensive driving course with the state. It doesn’t take up too much time or cost too much, and it can be done either online or at a local driving school.

Other discounts may come via a customer loyalty discount— meaning insuring multiple cars with the same provider or having multiple policies with the same provider. Should you choose to also purchase homeowners, renters or condo insurance with your car insurance company, consider the total cost you’ll save on insurance as opposed to what you’ll only save on car insurance. One company may offer a bigger discount on car insurance but not as much with the other bundled policy.

Frequently asked questions

What is the best car insurance company?

No one provider will be the best car insurance company for every person. To find the best option for you, get several quotes and compare providers based on the coverage options that are most important to you.

Is Michigan still a no-fault state?

Yes, but PIP is now optional if your health insurance provider covers auto accident injuries and your deductible is less than $6,000.

Methodology

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 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.