Cheapest and Best Car Insurance Companies in Warren, MI

Your driver profile and needs will determine the most affordable company for you. Travelers is the cheapest company for minimum coverage policies, while it is Chubb for full coverage policies and drivers with offenses. Chubb is also the best for customer service and the best cheap company. Other affordable companies are GEICO for teens and USAA for military drivers.

The cheapest car insurance companies for a minimum coverage policy in Warren are:

• Travelers: $118 per year
• Chubb: $445 per year

The most expensive company is Hanover, with an average premium of $5,792 per year. Travelers also offers the cheapest car insurance in Michigan at $101 for a minimum coverage policy. This amount is slightly higher than the company’s rate of $118 in Warren as of October 2022. Car insurance rates can vary based on location. To find the most affordable option for you, consider comparing rates from different companies.

A minimum coverage policy only covers bodily injury liability, property damage liability, property protection and personal injury protection. According to Michigan law, a policy must have at least:

• $50,000 bodily injury liability per person
• $100,000 bodily injury liability per accident
• $10,000 property damage liability per accident outside Michigan
• $1 million property protection within Michigan
• $250,000 personal injury protection (limits may vary for some recipients of Medicare and Medicaid)

Liability coverage pays for treating injured people in an accident and for property damage. A minimum coverage policy in Michigan will pay up to $50,000 per injured person in an accident. However, it can’t cover more than $100,000 per accident, regardless of how many are injured.

The cheapest car insurance companies for a full coverage policy in Warren are:

• Chubb: $1,089 per year
• GEICO: $1,146 per year

Hanover has the most expensive full coverage policy at $8,116 per year. GEICO has the cheapest full coverage car insurance in Michigan, with an average premium of $898 per year as of October 2022.

You'll notice GEICO's average rate for the state is lower than the cost of Warren's cheapest policy. Rates can vary depending on where you live. The most affordable option for you may differ in another city or state, so always compare rates to check which insurer best fits your budget.

A full coverage policy includes comprehensive and collision insurance.

• Collision Insurance: Covers costs when you get into an at-fault accident involving another vehicle or an object, like a fence or a post.
• Comprehensive Insurance: Covers costs if your car is damaged in a non-collision incident, like vandalism or theft.

A full coverage policy can be expensive and may not be worth the cost if you own an older car.

The cheapest car insurance companies after driving violations in Warren are:

• Speeding ticket: Chubb ($1,089 per year)
• At-fault accident: Chubb ($1,089 per year)
• DUI: Chubb ($1,089 per year)

Hanover is the most expensive company after a DUI ($16,330 per year), after a speeding ticket ($11,881 per year) and after an at-fault accident ($13,123 per year). Drivers with offenses on their records pay significantly higher rates than drivers with clean records. Even if you find the cheapest car insurance company, rates for drivers with violations will be higher than rates for safe drivers.

More severe offenses can have a higher impact on your premiums, though this is not always the case. In Warren, your annual premium can increase by $3,865 after a DUI but may only increase by $1,054 after a speeding ticket. So, the cheapest car insurance for drivers with bad driving records can depend on the offense. Other personal factors, needs and preferences can also affect your rates.

The cheapest car insurance companies for teens on a family policy in Warren are:

• GEICO: $2,980 per year for males and females
• Progressive: $3,633 per year for males and females

The most expensive company for both males and females is State Farm, with an average premium of $19,074 per year. Rates can vary by gender because insurers consider teen males higher-risk drivers than females. Although that’s not the case with GEICO and Encompass, other companies may have rate differences.

The cheapest way to insure teen drivers is by adding them to a family policy. On average, an individual policy for a teen costs $7,802 per year in Warren. Adding them to the family policy only costs $3,905 per year, more than half of the price of an individual policy. Check rates to find the cheapest car insurance for teens, and look for young driver discounts to increase your savings.

The cheapest car insurance companies for active or veteran military families in Warren looking for a full coverage policy are:

• USAA: $835 per year
• Chubb: $1,089 per year

If you’re looking for a minimum coverage policy, Travelers ($110 per year) and USAA ($370 per year) are the cheapest. USAA is a good option for members of the military because it offers services exclusively for active-duty members, veterans and their qualified family members.

You can get car insurance quotes in Warren, Michigan, from an insurer’s official website. However, your insurer may need several pieces of information, and the entire process can take 15 minutes or longer. MoneyGeek’s car insurance calculator can give you a rough estimate of your premiums instantly. You only need to provide your age, vehicle type, coverage level and driving record.

The best insurance for you depends on what you’re looking for from a company. MoneyGeek found the best car insurance companies for different categories in Warren, Michigan.

• Best overall: Chubb (MoneyGeek score of 89 out of 100)
• Best for service: Chubb (MoneyGeek score of 76 out of 100)
• Best cheap: Chubb (MoneyGeek score of 87 out of 100)

MoneyGeek scores for the same company can differ due to weighting adjustments. Auto-Owners Insurance has the best car insurance in Michigan, not Chubb, as location has an impact on affordability scores. For military drivers, we recommend USAA (MoneyGeek score of 85 out of 100).

The best companies for car insurance in Warren are:

• Chubb: MoneyGeek score of 89 out of 100 ($1,089 per year)
• Farm Bureau Insurance of Michigan: MoneyGeek score of 79 out of 100 ($2,773 per year)

Chubb scored the best for affordability and customer satisfaction. This company is one of the cheapest options while offering quality customer service. We also recommend USAA for drivers with a military background. It received a MoneyGeek score of 88 out of 100, with an average premium of $1,089 per year.

Without considering affordability, we found the following companies offer the best customer service in Warren:

• Chubb: MoneyGeek score of 76 out of 100 ($1,089 per year)
• Farm Bureau Insurance of Michigan: MoneyGeek score of 73 out of 100 ($2,773 per year)

Chubb has the highest scores for customer satisfaction and claims management. It is also the most affordable option among all the companies we analyzed. As a result, you won’t sacrifice quality service for low cost with this company.

We analyzed the cost and quality of policies that only meet Michigan’s minimum coverage requirements and found the best from:

• Chubb: MoneyGeek score of 87 out of 100 ($445 per year)
• Travelers: MoneyGeek score of 80 out of 100 ($110 per year)

The cheapest minimum coverage policies in Warren may have the lowest premiums but offer the least protection against liability costs and won’t cover damages to your car.

In Warren, car insurance costs $2,571 per year on average as of October 2022. This rate is based on a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

Car insurance in this city costs $925 more than the average cost of car insurance in the U.S. and $380 more than the average cost of car insurance in Michigan.