The average auto insurance rates in Southfield, Michigan, are significantly higher than the national average. The average cost of full coverage car insurance in Southfield is $3,550 per year, while the average cost of minimum car insurance is $1,487 per year. On the other hand, the average national cost of full coverage car insurance is $1,674 per year, while the average national cost of minimum coverage car insurance is $565 per year.
Given that, on average, Southfield car insurance rates are a lot higher than the national average, drivers may be looking for the cheapest car insurance companies in Michigan. The cheapest car insurance in Southfield is offered by Auto-Owners, according to Bankrate’s 2021 study of quoted annual premiums. Plus, there are other car insurance companies in Southfield that offer below average rates to help drivers save money on their policies.
Best cheap car insurance companies in Southfield
Auto-Owners, Geico, USAA and Grange offer the most affordable rates for car insurance in Southfield, according to Bankrate’s study using rate information from Quadrant Information Services. We also weighed each company’s coverage options, third-party industry ratings, discounts, and other factors to offer further insight. We used this information to award each company a Bankrate Score with a maximum of five points. Drivers in Southfield can use the same criteria to find the best car insurance in Michigan for their unique situation.
|Insurance company||Bankrate Score||J.D. Power score
(North Central region)
|Average annual premium for full coverage||Average annual premium for minimum coverage|
Auto-Owners offers the cheapest average car insurance rates in Southfield, with full coverage averaging $1,325 per year and minimum coverage averaging $382 annually. This company is rated above average for overall customer satisfaction by J.D. Power and offers add-on coverage options, like accident forgiveness, gap insurance and diminished value coverage.
Plus, Auto-Owners offers numerous discounts to drivers. This includes discounts for getting a quote in advance, enrolling in paperless billing statements, being claim-free, being a good student and having certain safety features installed in your vehicle. However, if you want to obtain a policy from Auto-Owners, you must work with an agent to get a quote.
Learn more: Auto-Owners Insurance review
Geico offers low average premiums to drivers in Southfield, with the average full coverage policy costing nearly $1,500 less than the average rate in Southfield. It also offers an impressive list of discounts. For example, this company offers savings for military personnel, federal employees, good students, association members, bundling your policies, having airbags in your car and others.
However, Geico offers fewer endorsements than some of its competitors, so it may not be the best option for drivers who want to customize their policy. The only endorsements Geico offers are roadside assistance, rental car reimbursement and mechanical breakdown insurance.
Learn more: Geico Insurance review
In addition to offering low average car insurance rates, USAA is consistently rated as one of the best car insurance providers in the country by J.D. Power and AM Best. However, you must be a member of USAA to qualify for insurance coverage, and membership is limited to active duty or retired military service members and their qualifying family members. If you can qualify for membership, though, USAA can often be a good option for car insurance. It offers a handful of endorsement options and military-focused discounts. Plus, if you’re accident-free for five years, you may qualify for accident forgiveness.
Learn more: USAA Insurance review
Grange, a smaller, regional car insurance provider, offers low average rates for full coverage and minimum coverage insurance in Southfield. Plus, you may be able to take advantage of Grange’s numerous discounts to get a better rate. This includes savings for bundling your policies, attending school away from home, consistently paying your premium on-time and even getting divorced. Grange also offers numerous add-on coverage options, like OEM parts coverage, accident forgiveness, full glass coverage, identity theft insurance, new car replacement and a few others. However, the company earned a low customer satisfaction rating from J.D. Power, and you must contact an agent to get a quote.
Learn more: Grange Insurance review
How to get and keep the cheapest car insurance in Southfield
Purchasing a car insurance policy from one of the cheapest car insurance companies can help you lock in a low rate. However, your car insurance rate can change over time, making it more expensive to insure your vehicle, so it’s important to keep your cheap car insurance if you can. Here are a few tips for finding an affordable car insurance policy and maintaining a low rate:
- Get multiple quotes. Insurance providers charge different rates for coverage. Before you purchase a policy, it’s a good idea to shop around and get multiple quotes for the type and amount of coverage you need.
- Drive safely and avoid blemishes on your driving record. It’s not enough to get a low initial car insurance rate. You have to drive safely and avoid causing accidents or being convicted of traffic violations to keep it. You can also take advantage of telematics programs offered by insurers to keep your low rate or lower your car insurance premium.
Frequently asked questions
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 2019 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.