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Best cheap car insurance in Taylor

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In Taylor, Michigan, the average cost of car insurance is $3,101 per year for full coverage, or $258 per month. For minimum coverage, the average premium is $1,396 per year, which is about $116 per month. However, minimum coverage is not widely recommended for drivers looking for the cheapest car insurance in Taylor because it can leave you vulnerable to expenses well above your policy limits in the event of an at-fault collision.

To find the best car insurance in Taylor and the most affordable rates, it’s important to compare providers and the differences between each one’s average cost of car insurance. According to Bankrate’s 2021 study of quoted annual premiums, the cheapest car insurance company in Taylor is Westfield. During our research, we also found several other cheap car insurance companies in Taylor that offer cheap rates.

Best cheap car insurance companies in Taylor

The best car insurance companies in Taylor, Michigan, with the cheapest rates include Westfield, Auto-Owners, Geico and Travelers, according to our study of quoted annual premiums from Quadrant Information Services. Factoring in rates and other key insurer attributes, each provider received a Bankrate Score out of a possible five points. This Score reflects customer satisfaction and financial strength ratings, as well as digital accessibility features and average premiums.

When shopping for auto insurance, keep in mind that some of the best Michigan car insurance companies may not always be the cheapest car insurance companies in Michigan for you. Although price is an important consideration, you may find it equally or more important to see how these insurers compare based on other features that affect your insurance experience.

Insurance company Bankrate Score J.D. Power score
(North Central region)
Average annual premium for full coverage Average annual premium for minimum coverage
Westfield 4.0 Not rated $2,218 $147
Auto-Owners 4.5 842/1,000 $2,300 $1,035
Geico 4.7 837/1,000 $2,314 $1,343
Travelers 4.7 825/1,000 $3,586 $259

Westfield

We found Westfield has the cheapest rates for full coverage and minimum coverage insurance in Taylor, especially compared to the average for the city. The average full coverage premium from Westfield is $2,218 per year, which is more than $880 below the citywide average. Although Westfield has low average rates, the company falls short in some areas. Namely, its digital insurance experience. For example, you cannot get a quote online and you must work with an agent for most policy changes and claims. In addition, Westfield did not receive a score in the J.D. Power Auto Insurance Study for customer satisfaction.

Learn more: Westfield Insurance review

Auto-Owners

Auto-Owners is a Michigan-based car insurance provider and is also among the cheapest car insurance companies in Taylor. It has the second-lowest rates for full coverage among insurers in this review. Auto-Owners is rated above-average in the North Central region for overall customer satisfaction by J.D. Power, and it offers a wide variety of endorsement coverages and discounts for additional savings. However, like Westfield, drivers who want to get a quote from Auto-Owners do not have the convenience of an online option and must work with an agent directly.

Learn more: Auto-Owners Insurance review

Geico

Drivers looking for affordable car insurance with just the standard coverage may find it worth considering Geico. The company offers cheap rates for coverage compared to the citywide average. However, Geico falls just below average for customer satisfaction in the J.D. Power study for this region and lacks in terms of available add-on coverage options. However, it offers some unique discounts for companies in the industry, with special savings for military personnel and federal employees to help make rates even more affordable.

Learn more: Geico Insurance review

Travelers

Travelers can be considered one of the cheapest auto insurance companies in Taylor, but primarily for minimum coverage policies. Its average full coverage policies exceed the citywide average. The company offers a varied selection of endorsement coverages and discounts, including savings for hybrid/electric vehicles. Drivers who value customer service may want to weigh the pros and cons of the company carefully, as Travelers was rated near the bottom of the J.D. Power Auto Insurance Study for overall customer satisfaction for the North Central region.

Learn more: Travelers Insurance review

How to get and keep the cheapest car insurance in Taylor

Car insurance rates are not locked in forever. Once you find an affordable car insurance policy in Taylor, you may find these tips helpful to keep your rate low.

Here are some of the ways that you can get a cheap car insurance premium and maintain it over the long term:

  • Leverage discounts. Most car insurance providers offer discounts that can help drivers save money on their premium. When shopping around and comparing providers, pay close attention to the discounts that each company offers. Choose the provider with the most discounts you qualify for, which can help you lock in a low rate. As your life circumstances change – marriage, adding a teen to your policy, buying a home – you may qualify for new discounts, so annually comparing options is the best way to find the cheapest rate over time.
  • Be mindful of where you move. One of the biggest factors that impacts car insurance premiums is location, even your specific ZIP code. If you are thinking about moving within Michigan, it’s a good idea to get car insurance quotes before you decide on a new location. This can help you avoid a major rate difference between two ZIP codes, even if you have a clean driving record.

Frequently asked questions

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
Elizabeth Rivelli
Insurance Contributor
Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others
Edited by
Insurance Editor