Best cheap car insurance in Westland

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In Westland, a Michigan city of just over 82,000 residents, the average household owns two vehicles. Like most states, Michigan drivers are required to have car insurance. In Westland, the average cost of car insurance is $1,259 annually for minimum coverage and $2,898 annually for full coverage.

With higher-than-average car insurance rates and a median income of about $48,000, finding the best and cheapest car insurance companies in Westland can make paying for auto insurance easier. Bankrate compared several factors, including average rates, coverages, discounts, financial strength and customer satisfaction to determine the best and cheapest car insurance for Westland drivers.

Best car insurance companies in Westland

Using Quadrant Information Services, Bankrate obtained current average annual premium information for minimum coverage and full coverage from insurance providers in Westland. Other factors that we considered in our search for the best car insurance companies in Westland were customer satisfaction ratings, available coverages, discount offerings and financial strength scores.

The following companies offer the best car insurance options in Westland, according to our research:

Insurance company J.D. Power score
(North Central region)
Average annual premium for minimum coverage Average annual premium for full coverage
USAA 897 / 1,000 $534 $1,379
Auto-Owners 845 / 1,000 $964 $2,210
Geico 851 / 1,000 $1,140 $2,009
Allstate 830 / 1,000 $1,520 $3,194

USAA

USAA sells insurance to current and former military members and qualifying members of their families. Although not everyone is eligible for their coverage, USAA offers competitive rates and consistently receives high customer service scores. They received a score of 897 out of 1,000 in the 2020 J.D. Power U.S. Auto Insurance Study, although they do not qualify for official ranking.

Although both its minimum and full coverage rates are already well below the average premium levels in Westfield, USAA also offers numerous discounts to help policyholders save even more. You may earn a discount for garaging your vehicle on a military base, being a safe driver or having low annual mileage on your vehicle.20

Auto-Owners

Auto-Owners could be a great choice for Westland drivers looking for personalized service, as the company offers auto coverage through independent agents. You can purchase all the standard auto insurance coverages, and you also have the option to customize your policy with endorsements like diminished value coverage and gap coverage. You can save money by paying in full, insuring more than one car or opting for paperless statements.

Auto-Owners ranked third in the 2020 J.D. Power U.S. Auto Claims Satisfaction Study, which shows that customers are typically satisfied with the company’s claims-handling procedures. It also has an A++ rating with AM Best, indicating that the company is financially sound.

Geico

Geico offers affordable rates, but its policies are relatively basic and do not have many endorsement options to allow you to customize your coverages. However, the company does offer a number of discounts to help you keep your insurance costs low. You can get a discount for being a federal employee, being a good student or for having safety features installed on your car.

Geico also offers a robust mobile app and online customer portal, so if you are seeking digital tools, Geico may be a good fit. The company also received the highest score in the North Central region in the 2020 J.D. Power U.S. Auto Insurance Study.

Allstate

Although both its minimum coverage and full coverage premiums are higher than average in the Westland area, Allstate may make up for the difference with coverage options. The company offers standard car insurance coverages, plus several unique options, like sound equipment coverage. Allstate also provides discounts to help you lower your premium, including savings for teen drivers and responsible payers.

Allstate’s Drivewise program is noteworthy. It may not only save you money, but could help you to develop and maintain safe driving habits. The program functions through a mobile app which tracks your driving and can help you identify areas for improvement.

Cheapest car insurance in Westland

Drivers in Westland pay high premiums for car insurance, with minimum coverage costing $1,259 per year on average and full coverage costing $2,898 annually on average. On a statewide basis, Michigan drivers pay average annual premiums of $948 for minimum coverage and $2,309 for full coverage. Rates in both Michigan in general and Westland specifically are higher than the national average cost of car insurance of $565 annually for minimum coverage and $1,674 annually for full coverage.

To find the cheapest car insurance companies in Westland, Bankrate reviewed premium information from the 25 largest insurance companies by market share. We found the following companies to be the cheapest car insurance providers in Westfield:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $534 $1,379
MetLife $676 $1,769
Auto-Owners $964 $2,210
Progressive $977 $1,689
Geico $1,140 $2,009

Finding a cheap car insurance provider is not the only factor to consider when shopping for insurance. Customer service reviews, claims satisfaction, financial strength, coverage offerings and available discounts are all important elements to take into account when shopping for insurance.

Westland insurance requirements

Michigan requires that drivers carry at least a minimum level of liability coverage to drive legally. The minimum required coverage levels are:

  • Bodily injury per person: $50,000
  • Bodily injury per accident: $100,000
  • Property damage: $10,000

As a no-fault state, Michigan also requires drivers to carry personal injury protection (PIP), property protection insurance (PPI) and residual liability insurance (RLI).

Insurance experts often recommend that you purchase higher liability limits if you can afford to do so. If you are in an accident with state minimum limits, you may be left with out-of-pocket expenses if the damage that you cause is in excess of your insurance limits. You may also want to consider full coverage insurance, which provides coverage to your vehicle. If you have a loan or lease on your vehicle, be aware that financial institutions typically require that you carry full coverage insurance.

Car insurance discounts in Westland

Westland drivers may face higher-than-average premiums, but discounts can help you control your insurance costs. Here are the discounts with the most impact in Michigan:

  • Anti-theft discount: Michigan is unfortunately a hotspot for auto theft. If you have anti-theft devices on your car, such as a GPS tracker, car alarms and steering wheel locks, your insurance company may add a discount to your policy.
  • Continuous insurance discount: While car insurance is expensive in Westland, drivers who maintain coverage may be able to get a discount if they switch companies in a timely fashion and without leaving gaps in their insurance coverage.
  • Good driving discount: Maintaining a clean driving record by avoiding accidents and tickets could save you money on car insurance in Westland.
  • Safety features discount: The more safety features you have on your car, the more you might be able to save on car insurance. Anti-lock brakes, multiple airbags and accident avoidance systems are just a few of the safety features that can reduce your car insurance costs.

You can call your insurance company to review your policy if you are unsure if you are taking advantage of as many discounts as possible.

Frequently asked questions

What is the best car insurance company in Westland?

Deciding what factors mean the most 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 much car insurance do I need in Westland?

You need 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. To determine the appropriate amount of coverage for your situation, talk to a licensed insurance professional.

How much does car insurance in Westland cost?

Westland rates are higher than the national average at $1,259 annually for minimum coverage and $2,898 annually for full coverage. Your rate will likely be different based on your specific attributes, like your age, your driving history, the type of car you are insuring and the coverage you need.

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 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
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.com, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.
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