Best cheap car insurance in St. Clair Shores

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The city of St. Clair Shores, most famous for the Nautical Mile, requires its residents who work in Detroit to commute regularly. This requires owning one or more insured vehicles and much like everywhere else in Michigan, car insurance is often exorbitant in St. Clair Shores. Compared to the national average of $565 per year for minimum coverage, St. Clair Shores drivers pay more than double the amount at $1,208 per year, while full coverage car insurance is even steeper at $2,737 per year.

But regardless of the expense, being insured is mandatory for everyone who drives a vehicle in Michigan so the next best option is to look for affordable car insurance. Michigan has over 2 million private-owned vehicles on the road and more than 7 million total licensed drivers. In part due to its dense population, cheap insurance is hard to come by in a city like St. Clair Shores, which is also deemed high-risk, but shopping around could land more budget-friendly options. Bankrate researched the providers offering coverage in St. Clair Shores based on customer satisfaction scores and average rates to find the city’s best options.

Best car insurance companies in St. Clair Shores

Most major national insurers operate in St. Clair Shores, but some stand out from the others based on financial stability, customer service, coverage options and discounts offered. Remember that the best providers may not always be the cheapest and vice versa. In the 2020 J.D. Power Auto Insurance Study, the following five insurers were ranked among other providers for customer service and offer some of the most comprehensive service and policies in St. Clair Shores.

Insurance company J.D. Power score (North Central) Average average annual premium for minimum coverage Average annual premium for full coverage
Progressive 824 / 100 $815 $1,473
Secura N/A $115 $826
Chubb N/A $411 $1,892
Geico 851 / 1000 $985 $1,835
MetLife N/A $689 $2,034

Progressive

For the widest variety of coverage options and the choice to add on to your policy as per your needs, Progressive is one of the best insurers. Not only does the company have reasonable rates, but it also has a portfolio of features and perks to make car insurance less of a hassle such as the Snapshot program. The program tracks driving behaviors and helps you save money for safe driving. The Name Your Price tool helps you get an idea of the coverage possible within your quoted budget.

For more assistance, the Flo Chatbot is always available to provide assistance online. By combining two or more of Progressive’s policies, it is possible to save significantly on your annual premium. As the third-largest insurer in the market, it is also financially stable and quick with claim payouts.

Secura

A smaller, but trusted company, Secura does not offer special coverage options. Instead, you choose from the available packages. Secura’s home and auto insurance package is called Mile-Stone, and there are two options. The “basic” package has minimum liability coverage, with golf cart liability protection and pet protection added to it. In contrast, the “gold” package comes with extras like roadside and travel assistance, rental allowance and GAP insurance.

The features might seem very standard, but there are many discounts such as hybrid vehicle, good credit and electronic payment. Secura has cheap rates in St. Clair Shores, and an AM Best financial strength rating of A (Excellent) and a lower-than-average complaint index.

Chubb

Chubb has reasonable rates and discounts galore to help you save. Besides the usual coverage options, Chubb has an impressive list of add-ons, such as guaranteed value, child safety seat coverage, Original Equipment Manufacturer coverage and pet injury coverage. If you want premium options at a fraction of the cost, Chubb is a good choice, even though it doesn’t offer many car insurance discounts. It also has an A + + (Superior) rating from AM Best and a mobile app to view and manage your policy.

Geico

As a large provider with extensive digital access, Geico is able to keep expenses low and offer low prices to customers. Although its coverages are basic and do not offer unique features or add-ons, the range of discounts is beneficial for those on a tight budget.

The available discounts are for vehicle safety equipment, driving history and habits, driving courses and customer loyalty. Bundling multiple policies and insuring more than one vehicle can also earn a price cut on the premium. The vast suite of online tools offers Geico policyholders around-the-clock support and the ease of managing your policy from anywhere.

MetLife

The full coverage rates of MetLife are on the higher side, but still cheaper than the St. Clair Shores’ average rates. If you are concerned about the cost, MetLife may make up for it by providing its long-standing company history, financial stability and extras such as new car replacement coverage. The company also has a repair and referral network and a 24/7 customer service helpline.

Discounts are available for bundling home and auto insurance policies and being part of affinity groups. Drivers may also choose policy options that suit their specific needs and budgets. While not rated in the North Central region, MetLife has a J.D. Power customer satisfaction score of 831 out of 1,000 points in the 2020 Auto Insurance Study.

Cheapest car insurance in St. Clair Shores

Insurance in Michigan is costly and even for a small town like St. Clair Shores, the price of full coverage car insurance is $2,737 per year. This is much steeper than the national average of $1,674 per year. The high rates are likely influenced by the density of traffic, road accidents, theft and insurance fraud. The higher the risk deemed by insurance providers, the costlier the annual premiums.

Insurance company Average average annual premium for minimum coverage Average annual premium for full coverage
Travelers $111 $1,884
USAA $526 $1,394
MetLife $689 $2,034
Progressive $815 $1,473
Geico $985 $1,835

If bare-bones coverage is all you need, then your best bet for a cheap car insurance quote in St. Clair Shores may be Travelers, which offers minimum coverage at only $111 per year. USAA also has one of the cheapest full coverages at $1,394 per year, but it is only available for active members of the military, veterans and their families. MetLife, Geico and Progressive are the other cheapest insurance providers in the area, whether you want basic or full coverage.

All of these companies are rated for customer satisfaction and quality of service, but remember that the rates might vary based on your geographical area. Instead of looking for the lowest cost, it might be worth comparing coverage options to make sure you do not compromise on the protection that you need.

St. Clair Shores insurance requirements

Michigan’s mandatory minimum coverage of 50/100/10 applies everywhere in the state, including St. Clair Shores. This indicates that in order to be legally allowed to drive, each motorist must carry at least:

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

Motorists also need to have Personal Injury Protection coverage in St. Clair Shores since Michigan is a no-fault state. While minimum coverage might seem the most economical solution in an expensive city, remember that the basic liability coverage likely does not offer enough for the incident. In this case, you may have an out-of-pocket expense. Similarly, if your car has been financed, you may be required to protect it from damage with fuller coverage.

Car insurance discounts in St. Clair Shores

When the cost of insurance threatens to burn a hole in your pocket, discounts can often save the day. Some of the most common discounts to avail of are:

  • Multi-policy: This discount is typically offered for combining two or more policies from the same insurer.
  • Safe driver: If you have a clean driving record and safe driving habits, you could save.
  • Defensive driving: If you successfully complete a defensive driving course, you may qualify for a discount.
  • Claims-free: For being free from accidents, violations and claims for a number of years, drivers may have an option to apply a claims-free discount.

Most insurance providers offer a number of discounts to eligible customers, and if you take advantage of one or more of them, it could save you a considerable amount off your premium.

Frequently asked questions

What is the best car insurance company?

Several insurance providers stand apart from the rest for a variety of factors, such as customer satisfaction, competitive rates, online tools and resources and financial stability. Although many can qualify as the best insurance companies, the choices will be different for each person.

Does St. Clair Shores assign fault?

Michigan is a no-fault state and so is the city of St. Clair Shores, where the insurer pays a claim after an accident regardless of who was responsible for it. This makes having PIP insurance in addition to required minimums for liability mandatory.

Why is insurance expensive in St. Clair Shores?

As a Michigan city, insurance costs in St. Clair Shores are naturally higher. Possible reasons include the city’s dense population, high traffic fatality rates, vehicle theft and insurance fraud. However, it is not impossible to get cheap car insurance in Michigan if you do proper research before purchasing a policy.

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.

Written by
Cynthia Widmayer
Insurance Contributor
Cynthia Widmayer has over two years of experience as a personal finance writer. She covers home, car and life insurance products for Bankrate, the Simple Dollar, and Coverage.com, among others.