Compare the Cheapest Car Insurance Quotes in Warren

The average annual cost of car insurance in Warren is $3,707, which is less than the state average. GEICO is the cheapest provider, costing an average of $1,679 yearly. MoneyGeek compared the cheapest companies by coverage level and driving history and also listed the best companies in Warren that balance service quality and cost.

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Last Updated: 5/16/2022
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GEICO is the cheapest insurer for full coverage. Meanwhile, Nationwide is the most affordable option for state minimum insurance and for drivers with a speeding ticket.

USAA may be your cheapest option if you come from a military family.

Because Hartford balances customer service and affordable prices, MoneyGeek ranked it as the best overall insurance company.

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The Cheapest and Best Car Insurance in Warren

The Cheapest Car Insurance Companies in Warren

On average, for drivers that prefer full coverage, the cheapest auto insurance providers in Warren are:

  • GEICO: $1,679 per year
  • Progressive: $2,090 per year

The cheapest premium in Warren is offered by USAA, with a cost of $1,162 per year. However, its policies are limited to former and current military members and their families.

If you don’t qualify for USAA, GEICO is your next top choice. Their policies are 535.9% cheaper than Farmers, the most expensive car insurance company in Warren. A Farmers policy can cost around $10,677 per year. Full coverage costs more since you add collision and comprehensive insurance on top of your basic liability coverage.

Cheapest Car Insurance in Warren
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $1,162
  • 2.
    GEICO
    $1,679
  • 3.
    Progressive
    $2,090
  • 4.
    Travelers
    $2,230
  • 5.
    MetLife
    $2,394
  • 6.
    Auto-Owners Insurance Co
    $2,446
  • 7.
    Nationwide
    $2,450
  • 8.
    Esurance
    $3,323
  • 9.
    AAA
    $3,361
  • 10.
    Mercury
    $3,465
  • 11.
    State Farm
    $3,754
  • 12.
    Allstate
    $3,804
  • 13.
    Hanover
    $6,523
  • 14.
    Farmers
    $10,677

In accordance with our methodology, MoneyGeek collected average quotes for a 40-year-old male driver with a full coverage policy in Warren.

A full coverage policy is more expensive than minimum coverage. But if your car is damaged, it offers more protection since you get comprehensive and collision insurance added to the state minimum liability.

  • Comprehensive Insurance: Covers damage to your car due to vandalism, hail and theft.
  • Collision Insurance: Covers damage to your car in a vehicular accident.

If you have an older vehicle and want to purchase full coverage, you may end up paying more than your car’s value. A better option may be getting liability-only or state minimum insurance.

Compare Car Insurance Rates in Warren

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Warren for Minimum Coverage

State minimum or liability only insurance may be your most affordable option. On average, the cheapest car insurance providers in Warren with state minimum policies are:

  • Nationwide: $818 per year
  • GEICO: $1,131 per year

While USAA has the cheapest premiums in the city at $745 per year, it only serves veterans, current military members and their families.

Farmers is the most expensive provider, offering policies that cost $6,814 per year. Meanwhile, Nationwide’s annual policy is $5,996 cheaper than Farmers’.

Although minimum coverage is the cheapest option, you won’t be fully covered because it doesn’t include collision or comprehensive insurance. To check how much liability coverage premiums cost, you can toggle the table below.

Cheapest Minimum Liability Car Insurance in Warren
State Minimum

The cheapest insurance you can purchase in Michigan is a state minimum policy. However, it offers the least protection. The state minimum car insurance in Michigan only covers liability insurance, property protection and unlimited personal injury protection with 20/40/10 limits.

While you may save more on your monthly bills when you purchase a state minimum policy, you might end up paying more out of pocket in an accident. For instance, if you’re in an at-fault accident and incur $55,000 in medical bills, the $15,000 balance needs to be paid out of pocket.

Michigan Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury
    $20,000 per person and $40,000 per accident. A more protective level is 100/300/100.
  • Personal Injury Protection
    Unlimited per person. Unlimited per accident.
  • Other
    $1 million property protection.

Cheapest Car Insurance in Warren if You Have Driving Violations

Our auto insurance costs increase if you have a poor driving record. On average, the cheapest providers in Warren for drivers with violations are:

  • Cheapest after a ticket: Nationwide at $2,623 per year
  • Cheapest after an at-fault accident: GEICO at $3,183 per year
  • Cheapest after a DUI: Progressive at $2,611 per year

Military members and their families can take advantage of USAA since it’s the cheapest auto insurance provider for all violations.

Even if it takes time to improve your driving record, this will help decrease your premiums. The next best option is to shop around auto insurance companies in Warren and find one that gives you the best rates after a ticket or accident.

Cheapest Car Insurance in Warren With a Violation
Speeding Ticket

Average Cost of Car Insurance in Warren

Warren$3,707
Michigan$5,471
U.S.$1,424

The average annual cost of car insurance in Michigan is $5,471. On average, Warren’s auto insurance rates cost $3,707 per year and are 32.2% less than the state average. Meanwhile, premiums in Warren are 160.3% more expensive than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Warren

When calculating your car insurance quotes, insurance providers consider factors like age, coverage level, ZIP code and more. To help you find the best deal, shop around and compare auto insurance premiums between different insurers.

Compare Car Insurance Rates in Warren

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Warren

For drivers who value companies that balance affordable rates and excellent service, MoneyGeek listed the best car insurance companies in Warren:

  • Hartford: 87.5 out of 100
  • Auto-Owners Insurance Co: 87.5 out of 100

If you have a military background, USAA is the best auto insurance company.

To rank the best providers in the city, MoneyGeek compared their J.D. Power’s user satisfaction, financial stability and affordability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Hartford
Score:87.5

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

3
Auto-Owners Insurance Co
Score:87.5

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
GEICO
Score:87.5

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
Cincinnati Insurance Companies
Score:87.5

3/5

Affordability

5/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Country Financial
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

7
State Farm
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

8
Farm Bureau Ins of MI
Score:82.5

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

9
Nationwide
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Esurance
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

11
Grange
Score:80

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Progressive
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

13
Allstate
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

14
American Family
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

15
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

16
MetLife
Score:80

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

17
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

18
Hanover
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

19
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

20
AAA
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

21
Safeco
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

Because risk levels vary per neighborhood, insurance providers consider your ZIP code when calculating your insurance premiums. Factors like vandalism, car accidents and car theft vary per location.

In Warren, drivers from the 48089 area pay roughly $259 more than drivers from the 48091 area.

  • Zip Code
    State Minimumper year
  • 48091
    $3,578
  • 48089
    $3,837

Factors That Impact Insurance Costs in Warren

In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Warren. How Warren ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities163rd/300
handcuffs2 icon
Most Car Thefts121st/300
uninsured icon
Most Uninsured Motorists by State4th/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall176th/300
umbrella icon
Most Rainy Days24th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Warren are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.