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Best cheap car insurance in St. Clair Shores

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The company with the cheapest car insurance in St. Clair Shores, Michigan, is USAA, according to Bankrate’s study of quoted annual premiums. The 2021 average cost of car insurance in St. Clair Shores for full coverage is $2,737 per year, or about $228 per month. For minimum coverage car insurance, the average annual cost is $1,208.

Although you can usually get the cheapest car insurance rates in Michigan by choosing a policy with just the required minimum coverage, most insurance agents recommend buying higher limits or additional coverage types within your budget. If you cause an accident with another vehicle and only have minimum coverage, you could be financially liable for repairs or injury costs that exceed those limits. To get the cheapest rates for full or minimum coverage, consider what these best cheap car insurance companies in St. Clair Shores have to offer.

Best cheap car insurance companies in St. Clair Shores

In St. Clair Shores, Bankrate’s insurance editorial team found the best cheap car insurance companies to be USAA, Progressive, Geico, Travelers and Chubb, according to our study of rates from Quadrant Information Services. To find the cheapest car insurance companies in St. Clair Shores, Michigan, we analyzed and selected a handful of carriers that stand out, based on several key factors.

In addition to quoted annual premiums, we took into consideration coverage options, available discounts, customer satisfaction scores and financial stability ratings from third-party agencies such as AM Best. To help you determine the best car insurance in St. Clair Shores with the cheapest rates, comparing the companies’ Bankrate Score can be useful. The Score weighs the factors listed above and calculates a score out of 5 maximum points. The closer a company’s score is to 5, the higher it performed in the reviewed categories.

Insurance company Bankrate Score J.D. Power score (North Central) Average annual premium for full coverage Average annual premium for minimum coverage
USAA 5 895/1,000* $1,394 $526
Progressive 4.4 842/1,000 $1,473 $815
Geico 4.7 837/1,000 $1,835 $985
Travelers 4.7 825/1,000 $1,884 $111
Chubb 3.3 Not rated $1,892 $411

*Not officially ranked with J.D. Power due to eligibility restrictions

USAA

USAA is a multi-line insurer, offering coverage to Michigan drivers who are current or former service members, and their eligible immediate families. Based on premium analysis, USAA offers the cheapest rates for full coverage, on average, of insurance companies in St. Clair Shores featured in this review. USAA offers the common types of car insurance coverages you expect from an auto insurer, with military-specific discounts — like garaging your car on base, or storing your car while deployed.

Although USAA earned the most points in the 2021 J.D. Power Auto Insurance Study and 2021 Auto Claims Satisfaction Study, the company is considered rank-ineligible due to its  membership requirements. With the cheapest rates and excellent third-party ratings for customer satisfaction and financial strength, USAA received a 5.0 Bankrate Score.

Learn more: USAA Insurance review

Progressive

Progressive offers competitive rates for minimum and full coverage that land well-below the average for St. Clair Shores. While it has the second lowest full coverage rates among other providers in this review, its minimum coverage rates are on the higher end, in comparison. The company has an above-average score in the J.D. Power Auto Insurance Study for the North Central region, and offers featured coverage options like gap insurance, custom parts and equipment and rideshare coverage.

Drivers looking for the best cheap car insurance with Progressive can use the Name Your Price tool to see how to fit their coverage options and limits within their budget. Snapshot also saves drivers an average of $146 after completing the program, but two out of 10 drivers see premium increases with risky driving habits.

Learn more: Progressive Insurance review

Geico

Geico’s average rates are not the cheapest for full and minimum coverage compared to the other companies featured here, but the rates still fall hundreds of dollars below the average for car insurance for St. Clair Shores drivers. For tech-savvy drivers, Geico offers a host of ways to stay digitally connected, with its award-winning mobile app, Amazon Alexa, Google Assistant and web accessibility.

Geico also has the most car insurance discounts of the insurers in this review, which may help you get even more affordable rates. However, Geico placed just below average in the North Central region for overall customer satisfaction.

Learn more: Geico Insurance review

Travelers

While Travelers has the second highest average full coverage rate in St. Clair Shores among providers reviewed, it stands out for the cheapest average minimum coverage rate at just $111 per year. This insurer offers several standout coverage features, such as new car replacement, accident forgiveness and rideshare coverage. Besides the standard discounts common for auto insurers, electric and hybrid drivers may also get an additional discount. Its affordable rates and other advantages resulted in Travelers tying with Geico for the second highest Bankrate Score.

Learn more: Travelers Insurance review

Chubb

Although Chubb offers one of the cheapest average rates for minimum coverage, its average full coverage rates are the highest. The insurer also did not rank in the 2021 J.D. Power Auto Insurance Study for customer satisfaction. Chubb offers minimal car insurance discounts compared to other insurance companies in St. Clair Shores. These factors lend to its lower Bankrate Score compared to its competitors.

However, Chubb shines in unique coverage options, offering Original Equipment Manufacturer (OEM) replacement if your car is damaged in a covered claim. Chubb also offers agreed value coverage and no-deductible key fob replacement.

Learn more: Chubb Insurance review

How to get and keep the cheapest car insurance in St. Clair Shores

Even with competitive rates, there are several ways to get and keep the cheapest car insurance in Michigan, in the St. Clair Shores area. Insurance providers usually extend the most affordable rates to drivers with clean driving records and those who practice safe driving habits.

Drivers can take advantage of a few other ways to get and keep the cheapest rates insurance providers offer, including:

  • Shop before you buy. To get the cheapest rates from insurance providers in St. Clair Shores, shop around and compare quotes from more than one carrier. Ask about discounts to stack as many as you are eligible for, and consider telematics or safe-driving programs that may net additional savings.
  • Review coverages regularly. To keep rates affordable, review your coverage types and policy annually, or as your life circumstances change. You may find additional savings if you need to make coverage adjustments, perhaps as you pay off your car loan or realize you’ve gone several years without a claim.

Frequently asked questions

What is the best car insurance company?

Some of the best car insurance companies in St. Clair Shores with the cheapest rates are USAA, Progressive, Geico, Travelers and Chubb, based on Bankrate’s research. The best company for you will depend on your circumstances and preferences. Consider what features are most important to you, like coverage types, discounts, rate affordability, customer satisfaction or financial strength, to help you find the best car insurance company.

How much car insurance do I need in St. Clair Shores?

Michigan’s car insurance laws include minimum car insurance coverage requirements all St. Clair Shores drivers must meet. These include having 50/100/10 liability limits. Drivers must also have personal injury protection (PIP) and property protection insurance (PPI). If you financed or leased your car, your lender may require you to also carry full coverage, which includes both comprehensive and collision coverage, until it is paid off.

Why are car insurance rates in St. Clair Shores so high?

There are several reasons why car insurance rates may be higher in St. Clair Shores. Michigan drivers must carry several types of car insurance, like liability, PPI and PIP, which can add to the overall cost of car insurance. Michigan is also a no-fault state, has high instances of insurance fraud and ranks #2 for estimated number of uninsured drivers.

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 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 Score

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.

Written by
Mandy Sleight
Insurance Contributor
Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.
Edited by
Insurance Editor