The cheapest car insurance company in Warren, Michigan, is USAA, according to Bankrate’s 2021 study of quoted annual premiums. However, you must meet USAA’s military eligibility requirements to get coverage. Fortunately, drivers in Warren who do not qualify for USAA have several other options for affordable car insurance in the city.
The average cost of car insurance in Warren is $3,346 per year for full coverage insurance, which breaks down to about $278 per month. The average minimum coverage premium is much lower, at $1,480 per year or $123 per month. However, even though a minimum coverage policy is cheaper, insurance experts often suggest purchasing more than the minimum amount required to better protect your finances.
Best cheap car insurance companies in Warren
The cheapest car insurance companies in Warren are USAA, Progressive, Travelers and Geico, according to rate data we analyzed from Quadrant Information Services. Bankrate reviewed dozens of Michigan car insurance companies using factors like coverage options and financial strength ratings to determine our picks for the best cheap car insurance in Warren.
Each carrier was given a Bankrate Score out of five points, calculated by considering availability, affordability, customer service, claims handling and mobile and online policy management capabilities.
However, when shopping for the best car insurance in Warren, it’s important to look beyond average annual premiums. For example, if you want specific add-on coverage options or discounts, make sure to research providers that have what you need.
|Insurance company||Bankrate Score||J.D. Power customer satisfaction score||Average annual premium for full coverage||Average annual premium for minimum coverage|
*USAA not officially ranked by J.D. Power due to eligibility restrictions.
Based on our sample rates, USAA has the cheapest car insurance in Warren for full coverage. In addition to low rates, USAA also has the highest rating from J.D. Power, although it is not officially ranked due eligibility restrictions. You must be an active duty or retired military service member, or the spouse or child of a service member, to get coverage from USAA. In terms of coverage options, USAA falls short of some of its competitors, but Warren drivers can take advantage of USAA’s generous discounts to get the cheapest rates.
Learn more: USAA Insurance review
Progressive is rated above-average by J.D. Power for overall customer satisfaction. It also has the second-lowest premiums for full coverage insurance on our list of providers, based on data from Quadrant Information Services. Progressive offers several endorsements, but not many. The company stands out for its long list of discounts, as well as its unique online tools. For example, you can use the Name Your Price tool to build a policy within your budget.
Learn more: Progressive Insurance review
Travelers is one of the cheapest car insurance companies in Warren, but it doesn’t have the best third-party ratings. It has the second-lowest rating for overall customer satisfaction on J.D. Power’s list of 17 companies in the Midwest region. However, Travelers has the most coverage options of all the providers we reviewed. In addition, the company has lots of discounts and is one of the few carriers that offer a special discount for hybrid/electric vehicles.
Learn more: Travelers Insurance review
Geico has the highest average rates of the providers on our list, but its premiums for full coverage and minimum coverage are still far below the citywide average. Geico offers very limited coverage options, so it’s not the best provider for drivers who want to customize their policy with endorsements, like new car replacement or accident forgiveness. However, Geico has some of the best car insurance discounts, which may help Warren drivers get a lower rate.
Learn more: Geico Insurance review
How to get and keep the cheapest car insurance in Warren
Some of the best car insurance companies in Warren have expensive rates, but there are many ways that drivers can get a more affordable policy. Below are a couple of ways to find cheap car insurance and maintain the lowest rate for your personal circumstances.
- Shop around: To find the cheapest car insurance in Warren, it’s a good idea to shop around and get quotes from multiple insurance providers. Comparing quotes from various carriers makes it easy to see which company can offer you the most affordable rate for the type of policy and amount of coverage you need.
- Maintain a clean driving record: Drivers with clean driving records generally pay the lowest rates for car insurance. By avoiding accidents and tickets and practicing safe driving habits overall, you will likely be able to maintain a low rate. If you do have a ticket or accident on your recent driving record, you may want to consider enrolling in a telematics program, as some insurance companies will still give you a discount for demonstrating safe driving habits.
Frequently asked questions
What is the best car insurance company?
The best car insurance company is different for each driver. It depends on your budget, where you live, the types of coverage you want and related factors. To find the best car insurance carrier for your needs, it’s important to compare providers and get multiple quotes.
Is Michigan a no-fault state?
Yes, Michigan is a no-fault state. To meet the state’s car insurance laws, Michigan drivers must carry personal injury protection (PIP), in addition to liability insurance. However, unlike in other no-fault states, Michigan drivers can choose the amount of PIP they carry. Additionally, drivers who have Medicare Parts A and B have the option to decline PIP.
How can I lower my car insurance rates in Warren?
To get a lower car insurance rate in Warren, drivers should make sure they are taking advantage of discounts from their car insurance company. You can often save money by paying your premium in full, enrolling in autopay and signing up for paperless statements. Other ways to get a cheaper premium include bundling your policies and maintaining a clean driving record.
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 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.