Best cheap car insurance in Southfield

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For the more than 73,000 people in Southfield, Michigan, drivers are required to carry car insurance just like most other places. The average annual cost of car insurance in Southfield is $3,550 for full coverage and $1,487 for minimum coverage. Car insurance in Michigan is expensive and likely due in part to its reputation for having some of the worst drivers, but some insurance companies are cheaper than others. We found both the best and cheapest car insurance companies in Southfield based on average premiums and customer satisfaction ratings.

Best car insurance companies in Southfield

The best car insurance companies in Southfield offer below-average rates, great coverage options, generous discounts, good third-party ratings for overall customer satisfaction and strong financial strength scores. Here are the four companies we recommend:

Insurance company J.D. Power score (North Central) Average annual premium for minimum coverage Average annual premium for full coverage
USAA *897 / 1000 $588 $1,490
Geico 851 / 1000 $1,055 $2,061
Auto-Owners 845 / 1000 $1,198 $2,819
Grange 832 / 1000 $2,283 $3,048

*USAA is not rank eligible due to military-affiliation membership requirements.

USAA

USAA is one of the best insurance companies out there. But in order to get coverage through USAA you must be active duty or a retired military service member, or otherwise a family member to one. Southfield drivers who are eligible for USAA coverage can take advantage of the company’s low rates, excellent customer service and great discounts. USAA offers savings for good students, safe drivers, reduced mileage, garaging a vehicle on base, taking a defensive driver training course and more.

Geico

Geico is known for offering cheap car insurance in Southfield and around the country. The average full coverage policy from Geico costs almost $1,500 less than the average rate in Southfield. Additionally, Geico offers a variety of discounts, including savings for good students, federal employees, military personnel, emergency deployment and having a vehicle with safety features. The only downside to Geico is that the coverage and endorsements are limited.

Auto-Owners

Auto-Owners is rated above average for overall customer satisfaction in the 2020 J.D. Power Auto Insurance Study for the North Central region and has an A++ (Superior) financial strength rating from AM Best. In addition to low rates, Auto-Owners also offers reliable coverage with endorsements, like gap insurance, diminished value coverage and roadside assistance. Auto-Owners’ Personal Automobile Plus Package may also be appealing to Southfield drivers as it includes 10 special coverages, like cell phone replacement and lock replacement coverage.

Grange

Grange is a good car insurance provider for Southfield drivers who want to purchase a policy equipped with optional coverages. The company stands out for its endorsements, like pet injury coverage, full glass repair, OEM coverage and gap insurance. Grange also has a variety of discounts with savings for safe drivers, good students, paying your premium in full, having safety equipment in your car and bundling your policies.

Cheapest car insurance in Southfield

The average cost of car insurance in Southfield is significantly more expensive than the average rate in Michigan. For comparison, the average Michigan driver pays $2,309 annually for full coverage insurance and $948 annually for minimum coverage. The average annual rates in the United States are $1,674 for full coverage and $565 for minimum coverage.

The cheapest car insurance company in Michigan is different for every driver. The table below looks at the cheapest car insurance rates in Southfield from the most popular carriers based on market share:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Travelers $111 $1,884
USAA $588 $1,490
MetLife $807 $2,338
Progressive $1,000 $1,885
Geico $1,055 $2,061

These five providers offer the cheapest car insurance policies in Southfield, but they each have pros and cons. For example, USAA offers the lowest rates, but you have to be affiliated with the military in order to buy coverage. The other providers on this list do not have any affiliation requirements.

In terms of coverage options, Progressive, MetLife and Travelers could be the best options based on the amount available. Geico and USAA have somewhat limited coverage, so either company may not be the best for drivers who want to have a policy with endorsements.

In addition to low rates, these five carriers also offer great discounts. However, the exact discounts available vary between companies. For example, Geico is the only carrier that has a discount for federal employees, and Travelers is one of the only carriers that offers discounts to hybrid car owners.

Southfield insurance requirements

Drivers in Southfield are required to carry car insurance if they have a vehicle that is registered in Michigan. The minimum coverage requirements in Southfield are represented as 250/500/10, which includes the following personal liability coverages:

  • $50,000 in bodily injury liability coverage per person
  • $100,000 in bodily injury liability coverage per accident
  • Up to $10,000 in property damage liability coverage per accident (outside Michigan only)

In addition to personal liability insurance, Southfield drivers are also required to carry Personal Injury Protection (PIP) and Property Protection Insurance (PPI) to satisfy the state’s no-fault insurance laws. PIP covers your medical expenses and lost income, and PPI covers any damage you cause to another vehicle or other property. However, there is an option for Michigan drivers to opt out of PIP medical coverage if certain requirements are met.

A minimum coverage insurance policy is the cheapest option available, though it is generally not recommended. Minimum coverage does not provide any protection for your vehicle and there is no guarantee that a minimum coverage policy will provide sufficient liability protection in the event of an accident. Full coverage insurance is usually optional, but in situations where drivers are leasing or financing their vehicle, purchasing a full coverage policy may be required.

Car insurance discounts in Southfield

Most car insurance companies in Southfield offer discounts that can help drivers lower their premiums. Some of the most common discounts in Southfield include:

  • Defensive driving course: Taking an approved defensive driving or safe driver training course may help you get a discount on your policy.
  • Smart student: High school and college students who maintain a pre-established minimum GPA can often qualify for a smart student discount.
  • Multi-vehicle: If you insure two or more vehicles on your insurance policy, most insurance companies will lower your rate.
  • Vehicle safety equipment: Cars with certain safety features, like airbags, anti-lock brakes or an anti-theft system, can usually get a discount.

Frequently asked questions

What is the best car insurance company?

The best car insurance company varies from person to person. For some drivers, the best insurance carrier for some drivers may be ones that offer a variety of discounts, while others may prefer carriers that are local. It is important for drivers to shop around and compare providers using their personal criteria and then get quotes to see which company can offer the lowest rate.

How much does car insurance in Southfield cost?

In Southfield, the average full coverage policy costs $3,550 per year and the average minimum coverage policy costs $1,487 per year. However, car insurance rates are personalized. Insurance companies look at factors like your state, ZIP code, credit score, age and claims history when they calculate your premium.

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 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.