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Best cheap car insurance in Westland

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The easiest way to find the cheapest car insurance in Westland, Michigan, based on your needs and profile, is to compare several car insurance companies’ quotes. Bankrate’s review of the options in Westland may be useful for you in this process, given the metrics we used to evaluate the companies. For example, the cheapest car insurance company in Westland is USAA, according to Bankrate’s 2021 study of quoted annual premiums.

The average cost of car insurance in Westland is $2,898 for full coverage per year, which works out to just over $241 per month. For minimum coverage, the average annual rate is $1,259. Although minimum limits reflect the cheapest rates, insurance agents do not typically recommend purchasing the least amount of coverage acceptable when looking for the best cheap car insurance. Higher liability limits offer greater financial protection if you cause an accident and may actually save you much more money in the long run.

Best cheap car insurance companies in Westland

The best cheap car insurance companies in Westland are USAA, Geico, Auto-Owners and Allstate, according to Bankrate’s analysis of quoted annual premium data from Quadrant Information Services. These companies may not be the same cheapest car insurance companies in Michigan, as rates and data can vary widely throughout the state.

The table below shows some of the criteria used to determine the best car insurance companies in Michigan for Westland drivers which offer affordable rates. The Bankrate Score provides a rating out of five points, which includes an analysis of customer experience scores with third-party agencies, like J.D. Power and the National Association of Insurance Commissioners (NAIC), and financial strength ratings from AM Best and other financial rating agencies. Digital resources and quoted annual premiums also contribute to the Bankrate Score.

Insurance company Bankrate Score J.D. Power customer satisfaction score Average annual premium for full coverage Average annual premium for minimum coverage
USAA 5.0 895/1,000* $1,379 $534
Geico 4.7 837/1,000 $2,009 $1,140
Auto-Owners 4.5 842/1,000 $2,210 $964
Allstate 4.0 827/1,000 $3,194 $1,520

*USAA is not officially ranked by J.D. Power due to eligibility restrictions

USAA

For the cheapest average annual rates for minimum and full coverage car insurance, Westland drivers who qualify may look to USAA. The national insurer also tops the list with a 5 out of 5 Bankrate Score, and scores highest in the 2021 J.D. Power Auto Insurance Study for the North Central region, although it is ineligible for ranking because only current and former military members and their immediate families are eligible for USAA membership and coverage. If you do not have this type of military affiliation, you will not be able to apply for USAA car insurance.

Learn more: USAA Insurance review

Geico

Geico has the second-lowest average annual rates for full coverage car insurance in Westland, but it has the second-highest for minimum coverage. The company received a 4.7 Bankrate Score, but scored just below industry-average for overall customer satisfaction in the J.D. Power Auto Insurance Study for the region. For private passenger, Geico’s NAIC complaint index is actually quite favorable, 0.73 compared to the industry average of 1.00. In addition, this carrier has a long list of discounts and coverage options to allow for policy savings and customization.

Learn more: Geico Insurance review

Auto-Owners

For minimum coverage, Auto-Owners has the second-lowest rates, but also has the second-highest rates for full coverage car insurance in Westland. The insurer stands up to its larger competitors in the J.D. Power Auto Insurance Study, with an above-average ranking of sixth place, making it one of the best car insurance companies in Westland as part of the North Central region. While the insurer offers several ways to build a unique auto policy to meet your coverage needs, it offers fewer discount opportunities compared to other companies.

Learn more: Auto-Owners Insurance review

Allstate

Rounding out the list of best cheap car insurance companies in Westland is Allstate. The insurer offers several options for car insurance coverage and discounts, but falls short on customer satisfaction, based on the J.D. Power study for the North Central region and its NAIC complaint index score. However, its financial strength rating from AM Best and other factors give it an overall Bankrate Score of 4 out of 5 points. Allstate offers coverage nationwide, including insurance for drivers heading to Mexico, making it a coast-to-coast option for Michigan drivers.

Learn more: Allstate Insurance review

How to get and keep the cheapest car insurance in Westland

Having a claims-free driving record and leveraging discounts can help you get the cheapest car insurance in Westland. Practicing safe driving habits is another way to get affordable rates. Here are some more ways to get and keep affordable rates with the best car insurance companies in Westland:

  • Shop with several insurance providers. Figuring out the right coverage limits that are best for your needs is the first step to getting cheap car insurance. Once you know your coverage needs, get quotes from several insurance providers. Compare the rates and discounts you qualify for in order to find the cheapest car insurance in Westland for your household.
  • Maintain clean driving records. The longer you keep your driving record clean and practice safe driving habits, the better your rates can be. Some insurers even incentivize this by offering telematics devices or driving habits-based tools to lower rates. You may even qualify for specific discounts aimed at defensive driving, offered by some insurers.

Frequently asked questions

What is the best car insurance company?

Deciding what factors are most important to you is often the first step to finding the best car insurance company for your needs. Are you most concerned about price? Do you need specific coverage options? Are you searching for a company with outstanding customer service? Once you know what is important to you, you can request quotes from several companies to see which quotes best align with your needs and budget.

How can I lower my car insurance rates in Westland?

There are a few ways to lower your car insurance rates in Westland. Avoiding driving incidents (and claims) by practicing safe driving habits can help you get and keep affordable rates. Taking advantage of discounts is another way, as many insurers allow you to capitalize on savings by applying multiple discounts. Shopping around and comparing quotes can also help you find the best cheap car insurance companies in Westland.

How much car insurance do I need in Westland?

Westland drivers are required to have at least 50/100/10 liability limits, plus personal injury protection (PIP), property protection insurance (PPI) and residual liability insurance (RLI) to drive legally in Michigan. If you have a loan or lease on your vehicle, you will likely need to carry full coverage insurance to satisfy the requirements of your bank. These coverages may be best to have, even if you own your vehicle, to provide financial protection for damages sustained to your vehicle – which can be costly. To determine the appropriate amount of coverage for your situation, talk to a licensed insurance agent.

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.
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