Best cheap car insurance in Taylor

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Taylor, Michigan is located in the Downriver section of Detroit’s metropolitan area and had a population of 60,922 in 2019. Taylor is home to approximately six miles of US-24 (Telegraph Road) and contains the critical intersection of interstate highways I-94 and I-75. Almost 90% of residents drive to work. Since spiking in 2017, Taylor has had fewer fatal accidents than Michigan as a whole.

Taylor’s average annual car insurance rates are $1,396 (minimum coverage) and $3,101 (full coverage). These rates are higher than the already above-average annual rates for Michigan ($948 minimum and $2,309 full). This is not surprising given the high volume of highway traffic within Taylor’s city limits.

There are ways that Taylor drivers can save money on their premiums, though. We researched multiple providers and compared them based on customer service, availability of discounts and annual premiums to find the best options available.

Best car insurance companies in Taylor

These four companies represent some of the best insurance companies in Taylor. Though the cost was an important factor, it wasn’t the only factor. We also analyzed each company’s ranking for customer satisfaction, and the breadth of coverage offered, including valuable discounts.

Insurance Company J.D. Power Score Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Westfield 836 / 100 $147 $2,218
Travelers 828 / 100 $259 $3,586
Geico 851 / 100 $1,343 $2,314
Auto-Owners 845 / 100 $1,035 $2,300

Westfield

Westfield, headquartered in Ohio, takes pride in its Midwest roots and only writes car insurance in ten Midwestern states. This small market focus has helped Westfield develop a positive reputation for claims handling and overall customer service, ranking high on the J.D. Power Index North Central Region.

Westfield’s car insurance policies offer a great value with low rates, as highlighted in the above chart. Look for the many discounts available with Westfield, including its Wespak program, which provides benefits for bundling your auto insurance with a Westfield homeowners policy.

Travelers

Travelers is a well-known car insurance company with notable financial strength, receiving an A++ rating from AM Best. Travelers car insurance provides excellent discounts for younger drivers and offers a new car replacement for a more extended period than other insurers.

Though Travelers is not always the cheapest option for basic car insurance, a closer look may lead to reduced premiums based on the many popular discounts Travelers offers. These discounts include multi-policy and multi-vehicle, homeownership and an early quote of up to 10% if a renewal quote is obtained before policy expiration.

Geico

Geico has an excellent reputation for customer service. J.D. Power gave Geico the highest-ranking (852/100) in its North Central region in 2020 and named Geico “the best car insurance company” for the year. Customers rate the company’s claim-handling efficiency and roadside assistance program highly.

Geico car insurance policies are typically in the average price range, but it is known for offering lots of discount opportunities that make their pricing very competitive. If you belong to one of the 800 groups in Geico’s Group Affiliation Discount program, you’ll also save on your premium.

Auto-Owners

Auto-Owners also earned high marks in the 2020 J. D. Power North Central customer satisfaction ranking (845/100). This high score reflects user-friendly features of Auto-Owners service, such as a website that simplifies the process of researching policy choices and filing claims.

Auto-Owners policies can only be purchased through an agent from an extensive network of independent agents. If you speak with their agents, ask about the many discounts available to auto policyholders, including multi-policy, advance quote and paperless billing.

Cheapest car insurance in Taylor

Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Travelers $259 $3,586
USAA $574 $1,432
MetLife $717 $1,939
Progressive $980 $1,792
Auto-Owners $1,035 $2,300

Average annual car insurance premiums in Taylor are significantly higher than the national average of $565 for minimum coverage and $1,674 for full coverage. Still, some companies offer competitive rates to Taylor drivers.

These five companies are known for providing quality coverage and have decent rates compared to the area’s average. Travelers and Auto-Owners also appear on our list as among the best car insurance companies in Taylor.

It’s worth noting that while Travelers minimum coverage is extremely low, their full coverage is more expensive than any other on this list. USAA, a provider consistently ranked nationwide for exceptional customer service, offers excellent rates but is only available to military personnel or eligible family members. MetLife and Progressive are well-respected providers and provide decent rates for the area.

Taylor insurance requirements

There are three broad types of no-fault car insurance coverage required by Michigan law:

  1. Personal Injury Protection (PIP): If you are injured in a car accident, this coverage pays all reasonably necessary medical expenses. A new Michigan law, effective July 2020, permits drivers to reduce or opt-out of this insurance if a minimum level of health insurance is maintained related to car-related injuries.
  2. Property Protection (PPI): This coverage pays up to $1 million for damage your car does to other people’s property, including buildings, fences and parked vehicles.
  3. Residual Liability Insurance / Bodily Injury and Property Damage: This required no-fault coverage provides certain payments for these losses caused by you, and, in turn, you can not be sued for the injury and damages.

It is always important to remember that minimum coverage required by law is rarely sufficient to fully cover you or your vehicle in the event of an accident. It will usually help you save money to compare providers to find reasonable rates for more comprehensive or full coverage in the long-term.

Car insurance discounts in Taylor

Most providers offer these typical discounts on auto insurance policies:

  • Good student
  • Safe driver
  • Safety or anti-theft devices
  • Loyalty

The most common — and usually most substantial — discounts are often bundling discounts. Consider consolidating all your insurance policies with one carrier for maximum savings.

Frequently asked questions

What is the best car insurance company?

The best car insurance company for you and your family may be different than someone else’s. It’s a good idea to research and compare all available providers in your area to find the best company for you. If in doubt, speak with a licensed insurance agent.

How much does car insurance in Taylor cost?

The average minimum cost for car insurance in Taylor is $1,396, but the driver rates will vary based on several factors. It is essential to obtain several quotes from reputable car insurance companies to make an informed decision.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 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

Rates are determined based on 2021 Quadrant Information Services data.

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
Rick Hoel
Insurance Contributor
Rick Hoel is an international business attorney and legal and insurance writer for Bankrate.com, Reviews.com and Accessibility.com. Over the last several years, he has covered topics dealing with personal and commercial insurance and technology and the law. Rick is General Counsel and Director of Risk Management and sits on the Board of Power Stow Americas Inc., a subsidiary of Power Stow A/S in Denmark, the world leader in the supply of tracked conveyor systems to the airline industry.