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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceWarren
2023

Cheapest and Best Car Insurance in Warren, MI

Cheapest Minimum Liability Car Insurance in Warren

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.

Company
Annual Premium
Monthly Premium

Travelers

$102

$9

Travelers

$110

$9

Travelers

$122

$10

Chubb

$365

$30

Chubb

$445

$37

Chubb

$492

$41

Encompass

$725

$60

Progressive

$811

$68

Progressive

$818

$68

Progressive

$824

$69

Encompass

$824

$69

Encompass

$824

$69

GEICO

$826

$69

GEICO

$827

$69

GEICO

$838

$70

Chubb

$897

$75

Pioneer State Mutual Ins Co

$987

$82

Pioneer State Mutual Ins Co

$1,039

$87

Travelers

$1,057

$88

Pioneer State Mutual Ins Co

$1,088

$91

Chubb

$1,089

$91

GEICO

$1,146

$96

GEICO

$1,150

$96

GEICO

$1,156

$96

Auto-Owners Insurance Co

$1,171

$98

Travelers

$1,173

$98

Progressive

$1,190

$99

Chubb

$1,212

$101

Westfield

$1,224

$102

Auto-Owners Insurance Co

$1,238

$103

Progressive

$1,238

$103

Travelers

$1,313

$109

Westfield

$1,328

$111

Progressive

$1,397

$116

Encompass

$1,408

$117

Auto-Owners Insurance Co

$1,449

$121

Westfield

$1,468

$122

Farm Bureau Ins of MI

$1,561

$130

Grange Insurance

$1,618

$135

Farm Bureau Ins of MI

$1,639

$137

Encompass

$1,649

$137

Encompass

$1,649

$137

Grange Insurance

$1,656

$138

Pioneer State Mutual Ins Co

$1,730

$144

Pioneer State Mutual Ins Co

$1,840

$153

Grange Insurance

$2,012

$168

Farm Bureau Ins of MI

$2,015

$168

Farmers

$2,087

$174

Pioneer State Mutual Ins Co

$2,179

$182

Farmers

$2,223

$185

Auto-Owners Insurance Co

$2,255

$188

Auto-Owners Insurance Co

$2,337

$195

Auto-Owners Insurance Co

$2,425

$202

Farmers

$2,432

$203

Westfield

$2,481

$207

Farm Bureau Ins of MI

$2,568

$214

State Farm

$2,575

$215

Westfield

$2,579

$215

Grange Insurance

$2,760

$230

Farm Bureau Ins of MI

$2,773

$231

State Farm

$2,815

$235

Grange Insurance

$2,888

$241

Farmers

$2,890

$241

Grange Insurance

$3,106

$259

Farmers

$3,149

$262

Westfield

$3,160

$263

State Farm

$3,209

$267

State Farm

$3,332

$278

Farm Bureau Ins of MI

$3,414

$285

Farmers

$3,496

$291

State Farm

$3,657

$305

State Farm

$4,204

$350

Hanover

$5,470

$456

Hanover

$5,792

$483

Hanover

$6,205

$517

Hanover

$7,434

$619

Hanover

$8,116

$676

Hanover

$9,181

$765

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.

Cheapest Full Coverage Car Insurance in Warren

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.

Company
Annual Premium
Monthly Premium

Travelers

$102

$9

Travelers

$110

$9

Travelers

$122

$10

Chubb

$365

$30

Chubb

$445

$37

Chubb

$492

$41

Encompass

$725

$60

Progressive

$811

$68

Progressive

$818

$68

Progressive

$824

$69

Encompass

$824

$69

Encompass

$824

$69

GEICO

$826

$69

GEICO

$827

$69

GEICO

$838

$70

Chubb

$897

$75

Pioneer State Mutual Ins Co

$987

$82

Pioneer State Mutual Ins Co

$1,039

$87

Travelers

$1,057

$88

Pioneer State Mutual Ins Co

$1,088

$91

Chubb

$1,089

$91

GEICO

$1,146

$96

GEICO

$1,150

$96

GEICO

$1,156

$96

Auto-Owners Insurance Co

$1,171

$98

Travelers

$1,173

$98

Progressive

$1,190

$99

Chubb

$1,212

$101

Westfield

$1,224

$102

Auto-Owners Insurance Co

$1,238

$103

Progressive

$1,238

$103

Travelers

$1,313

$109

Westfield

$1,328

$111

Progressive

$1,397

$116

Encompass

$1,408

$117

Auto-Owners Insurance Co

$1,449

$121

Westfield

$1,468

$122

Farm Bureau Ins of MI

$1,561

$130

Grange Insurance

$1,618

$135

Farm Bureau Ins of MI

$1,639

$137

Encompass

$1,649

$137

Encompass

$1,649

$137

Grange Insurance

$1,656

$138

Pioneer State Mutual Ins Co

$1,730

$144

Pioneer State Mutual Ins Co

$1,840

$153

Grange Insurance

$2,012

$168

Farm Bureau Ins of MI

$2,015

$168

Farmers

$2,087

$174

Pioneer State Mutual Ins Co

$2,179

$182

Farmers

$2,223

$185

Auto-Owners Insurance Co

$2,255

$188

Auto-Owners Insurance Co

$2,337

$195

Auto-Owners Insurance Co

$2,425

$202

Farmers

$2,432

$203

Westfield

$2,481

$207

Farm Bureau Ins of MI

$2,568

$214

State Farm

$2,575

$215

Westfield

$2,579

$215

Grange Insurance

$2,760

$230

Farm Bureau Ins of MI

$2,773

$231

State Farm

$2,815

$235

Grange Insurance

$2,888

$241

Farmers

$2,890

$241

Grange Insurance

$3,106

$259

Farmers

$3,149

$262

Westfield

$3,160

$263

State Farm

$3,209

$267

State Farm

$3,332

$278

Farm Bureau Ins of MI

$3,414

$285

Farmers

$3,496

$291

State Farm

$3,657

$305

State Farm

$4,204

$350

Hanover

$5,470

$456

Hanover

$5,792

$483

Hanover

$6,205

$517

Hanover

$7,434

$619

Hanover

$8,116

$676

Hanover

$9,181

$765

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.

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Cheapest Car Insurance in Warren After a Driving Offense

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.

Company
Annual Premium
Monthly Premium

Travelers

$181

$15

Travelers

$196

$16

Travelers

$219

$18

Travelers

$262

$22

Travelers

$274

$23

Travelers

$298

$25

Chubb

$365

$30

Chubb

$365

$30

Chubb

$365

$30

Chubb

$445

$37

Chubb

$445

$37

Chubb

$445

$37

Chubb

$492

$41

Chubb

$492

$41

Chubb

$492

$41

Travelers

$530

$44

Travelers

$530

$44

Travelers

$554

$46

Encompass

$821

$68

Chubb

$897

$75

Chubb

$897

$75

Chubb

$897

$75

Progressive

$903

$75

Progressive

$914

$76

Progressive

$917

$76

Encompass

$934

$78

Encompass

$934

$78

Progressive

$976

$81

Progressive

$990

$83

Progressive

$993

$83

Encompass

$1,068

$89

Progressive

$1,084

$90

Chubb

$1,089

$91

Chubb

$1,089

$91

Chubb

$1,089

$91

Progressive

$1,100

$92

Progressive

$1,105

$92

Pioneer State Mutual Ins Co

$1,200

$100

Chubb

$1,212

$101

Chubb

$1,212

$101

Chubb

$1,212

$101

Encompass

$1,215

$101

Encompass

$1,215

$101

Pioneer State Mutual Ins Co

$1,250

$104

Pioneer State Mutual Ins Co

$1,313

$109

Progressive

$1,355

$113

Auto-Owners Insurance Co

$1,365

$114

Progressive

$1,408

$117

Westfield

$1,469

$122

Auto-Owners Insurance Co

$1,494

$124

Progressive

$1,504

$125

Pioneer State Mutual Ins Co

$1,552

$129

Progressive

$1,563

$130

Progressive

$1,565

$130

Auto-Owners Insurance Co

$1,570

$131

Westfield

$1,592

$133

Encompass

$1,595

$133

Pioneer State Mutual Ins Co

$1,613

$134

Progressive

$1,643

$137

Pioneer State Mutual Ins Co

$1,692

$141

Progressive

$1,705

$142

Auto-Owners Insurance Co

$1,717

$143

Progressive

$1,727

$144

GEICO

$1,729

$144

Auto-Owners Insurance Co

$1,734

$144

Westfield

$1,762

$147

GEICO

$1,779

$148

GEICO

$1,794

$150

Westfield

$1,800

$150

Farm Bureau Ins of MI

$1,812

$151

Encompass

$1,870

$156

Encompass

$1,870

$156

Progressive

$1,877

$156

Westfield

$1,902

$159

Farm Bureau Ins of MI

$1,903

$159

GEICO

$1,944

$162

Auto-Owners Insurance Co

$1,994

$166

Travelers

$1,999

$167

Westfield

$2,044

$170

Pioneer State Mutual Ins Co

$2,072

$173

Encompass

$2,078

$173

GEICO

$2,099

$175

GEICO

$2,120

$177

Pioneer State Mutual Ins Co

$2,150

$179

Grange Insurance

$2,202

$184

Pioneer State Mutual Ins Co

$2,212

$184

Travelers

$2,219

$185

Farm Bureau Ins of MI

$2,230

$186

Pioneer State Mutual Ins Co

$2,243

$187

Grange Insurance

$2,266

$189

Farm Bureau Ins of MI

$2,339

$195

Farm Bureau Ins of MI

$2,342

$195

Pioneer State Mutual Ins Co

$2,355

$196

Encompass

$2,434

$203

Encompass

$2,434

$203

GEICO

$2,468

$206

Travelers

$2,484

$207

GEICO

$2,553

$213

GEICO

$2,580

$215

Pioneer State Mutual Ins Co

$2,610

$218

Pioneer State Mutual Ins Co

$2,618

$218

Auto-Owners Insurance Co

$2,647

$221

Travelers

$2,652

$221

Grange Insurance

$2,686

$224

Pioneer State Mutual Ins Co

$2,779

$232

GEICO

$2,783

$232

Auto-Owners Insurance Co

$2,785

$232

Farmers

$2,812

$234

Grange Insurance

$2,824

$235

Farmers

$2,849

$237

Travelers

$2,876

$240

Farm Bureau Ins of MI

$2,880

$240

Auto-Owners Insurance Co

$2,898

$242

Grange Insurance

$2,902

$242

Westfield

$2,910

$242

Farmers

$2,919

$243

Farmers

$2,937

$245

Farm Bureau Ins of MI

$2,980

$248

Farmers

$2,981

$248

Farmers

$2,998

$250

Auto-Owners Insurance Co

$3,003

$250

Westfield

$3,012

$251

GEICO

$3,017

$251

Grange Insurance

$3,026

$252

GEICO

$3,055

$255

Auto-Owners Insurance Co

$3,071

$256

Grange Insurance

$3,072

$256

Farmers

$3,092

$258

State Farm

$3,124

$260

Travelers

$3,150

$263

Farmers

$3,160

$263

Auto-Owners Insurance Co

$3,172

$264

Farmers

$3,178

$265

Farm Bureau Ins of MI

$3,217

$268

Pioneer State Mutual Ins Co

$3,273

$273

Auto-Owners Insurance Co

$3,289

$274

Auto-Owners Insurance Co

$3,359

$280

State Farm

$3,418

$285

Grange Insurance

$3,548

$296

Pioneer State Mutual Ins Co

$3,565

$297

Farm Bureau Ins of MI

$3,576

$298

Grange Insurance

$3,648

$304

Westfield

$3,705

$309

Westfield

$3,720

$310

Grange Insurance

$3,740

$312

Pioneer State Mutual Ins Co

$3,748

$312

Westfield

$3,823

$319

Farm Bureau Ins of MI

$3,858

$321

State Farm

$3,899

$325

Auto-Owners Insurance Co

$3,899

$325

State Farm

$3,948

$329

Farm Bureau Ins of MI

$3,963

$330

Westfield

$3,964

$330

Farmers

$3,975

$331

Grange Insurance

$4,006

$334

State Farm

$4,023

$335

Westfield

$4,077

$340

Encompass

$4,077

$340

Farmers

$4,112

$343

Grange Insurance

$4,128

$344

Farmers

$4,166

$347

Westfield

$4,193

$349

Farmers

$4,200

$350

Farmers

$4,251

$354

Farmers

$4,271

$356

State Farm

$4,323

$360

State Farm

$4,411

$368

Pioneer State Mutual Ins Co

$4,422

$369

Grange Insurance

$4,452

$371

Farmers

$4,497

$375

Farmers

$4,582

$382

Grange Insurance

$4,634

$386

Farm Bureau Ins of MI

$4,645

$387

Farmers

$4,654

$388

Encompass

$4,655

$388

Encompass

$4,655

$388

Travelers

$4,728

$394

Farm Bureau Ins of MI

$4,750

$396

Westfield

$4,876

$406

Farm Bureau Ins of MI

$4,879

$407

State Farm

$4,935

$411

Travelers

$4,940

$412

State Farm

$5,059

$422

State Farm

$5,077

$423

Grange Insurance

$5,110

$426

Travelers

$5,215

$435

Grange Insurance

$5,236

$436

GEICO

$5,369

$447

GEICO

$5,398

$450

GEICO

$5,490

$458

State Farm

$5,543

$462

Grange Insurance

$5,572

$464

Auto-Owners Insurance Co

$5,610

$468

Grange Insurance

$5,940

$495

Farm Bureau Ins of MI

$5,998

$500

Auto-Owners Insurance Co

$6,013

$501

Auto-Owners Insurance Co

$6,152

$513

State Farm

$6,387

$532

State Farm

$6,971

$581

Farm Bureau Ins of MI

$7,211

$601

Encompass

$7,564

$630

State Farm

$7,641

$637

Westfield

$7,688

$641

Farm Bureau Ins of MI

$7,770

$647

Westfield

$7,804

$650

GEICO

$7,844

$654

GEICO

$7,916

$660

GEICO

$8,001

$667

Hanover

$8,446

$704

Westfield

$8,487

$707

Hanover

$8,590

$716

State Farm

$8,733

$728

Encompass

$8,779

$732

Encompass

$8,779

$732

State Farm

$8,858

$738

Hanover

$9,079

$757

Hanover

$9,291

$774

Hanover

$9,487

$791

Farm Bureau Ins of MI

$9,563

$797

State Farm

$9,695

$808

Hanover

$10,114

$843

State Farm

$11,188

$932

Hanover

$11,350

$946

Hanover

$11,396

$950

Hanover

$11,637

$970

Hanover

$11,881

$990

Hanover

$12,324

$1,027

Hanover

$12,509

$1,042

Hanover

$13,123

$1,094

Hanover

$13,227

$1,102

Hanover

$14,688

$1,224

Hanover

$15,566

$1,297

Hanover

$16,330

$1,361

Hanover

$18,182

$1,515

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.

Cheapest Car Insurance in Warren for Teens and Their Families

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,288

$4,932

GEICO

$1,446

$4,932

GEICO

$1,486

$5,692

GEICO

$1,491

$6,356

GEICO

$1,530

$5,859

GEICO

$1,669

$5,692

GEICO

$1,675

$6,356

GEICO

$1,718

$5,859

Travelers

$1,735

$3,257

Travelers

$1,735

$3,257

GEICO

$1,797

$6,795

GEICO

$1,797

$6,795

Encompass

$2,049

$4,533

Encompass

$2,049

$4,533

GEICO

$2,288

$10,091

GEICO

$2,288

$10,091

Progressive

$2,295

$2,321

Progressive

$2,295

$2,321

Encompass

$2,329

$5,777

Encompass

$2,329

$5,777

Encompass

$2,358

$5,596

Encompass

$2,358

$5,596

Encompass

$2,394

$5,296

Encompass

$2,394

$5,296

GEICO

$2,398

$9,065

GEICO

$2,398

$9,065

Progressive

$2,439

$3,417

Progressive

$2,439

$3,417

Encompass

$2,459

$5,441

Encompass

$2,459

$5,441

GEICO

$2,477

$11,167

GEICO

$2,477

$11,167

Progressive

$2,642

$2,672

Progressive

$2,642

$2,672

Progressive

$2,731

$3,169

Progressive

$2,731

$3,169

Progressive

$2,767

$4,242

Progressive

$2,767

$4,242

Progressive

$2,834

$3,970

Progressive

$2,834

$3,970

Progressive

$2,855

$2,888

Progressive

$2,855

$2,888

Travelers

$2,871

$6,102

Travelers

$2,871

$6,102

GEICO

$2,980

$14,571

GEICO

$2,980

$14,571

Progressive

$3,125

$11,264

Progressive

$3,125

$11,264

Travelers

$3,150

$6,102

Travelers

$3,150

$6,102

Encompass

$3,232

$9,828

Encompass

$3,232

$9,828

GEICO

$3,232

$14,571

GEICO

$3,232

$14,571

Travelers

$3,250

$6,102

Travelers

$3,250

$6,102

Travelers

$3,250

$6,102

Travelers

$3,250

$6,102

Encompass

$3,403

$8,441

Encompass

$3,403

$8,441

Encompass

$3,533

$10,273

Encompass

$3,533

$10,273

Progressive

$3,548

$12,785

Progressive

$3,548

$12,785

Progressive

$3,633

$15,227

Progressive

$3,633

$15,227

Encompass

$3,699

$10,755

Encompass

$3,699

$10,755

Encompass

$3,705

$11,289

Encompass

$3,705

$11,289

Auto-Owners Insurance Co

$3,982

$5,689

Auto-Owners Insurance Co

$3,982

$5,689

Auto-Owners Insurance Co

$4,219

$6,027

Auto-Owners Insurance Co

$4,219

$6,027

Auto-Owners Insurance Co

$4,408

$6,991

Auto-Owners Insurance Co

$4,408

$6,991

Auto-Owners Insurance Co

$4,536

$6,480

Auto-Owners Insurance Co

$4,536

$6,480

Auto-Owners Insurance Co

$4,630

$7,497

Auto-Owners Insurance Co

$4,630

$7,497

Auto-Owners Insurance Co

$4,954

$8,492

Auto-Owners Insurance Co

$4,954

$8,492

Auto-Owners Insurance Co

$4,987

$8,075

Auto-Owners Insurance Co

$4,987

$8,075

Auto-Owners Insurance Co

$5,447

$9,079

Auto-Owners Insurance Co

$5,447

$9,079

Travelers

$5,749

$13,652

Travelers

$5,749

$13,652

Auto-Owners Insurance Co

$5,823

$10,182

Auto-Owners Insurance Co

$5,823

$10,182

Auto-Owners Insurance Co

$5,913

$9,856

Auto-Owners Insurance Co

$5,913

$9,856

Travelers

$7,048

$13,652

Travelers

$7,048

$13,652

Farmers

$7,154

$10,748

Farmers

$7,154

$10,748

Travelers

$7,337

$17,007

Travelers

$7,337

$17,007

Farmers

$7,648

$14,612

Farmers

$7,648

$14,612

Travelers

$7,752

$18,446

Travelers

$7,752

$18,446

Travelers

$7,959

$18,446

Travelers

$7,959

$18,446

Farmers

$7,970

$44,338

Farmers

$7,970

$44,338

Farmers

$8,507

$47,323

Farmers

$8,507

$47,323

Farmers

$8,514

$13,950

Farmers

$8,514

$13,950

Farmers

$8,694

$13,061

Farmers

$8,694

$13,061

Farmers

$8,922

$13,404

Farmers

$8,922

$13,404

State Farm

$8,977

$15,114

State Farm

$8,977

$15,114

Farmers

$9,322

$20,256

Farmers

$9,322

$20,256

Farmers

$9,717

$18,566

Farmers

$9,717

$18,566

State Farm

$10,037

$16,899

State Farm

$10,037

$16,899

State Farm

$10,674

$21,134

State Farm

$10,674

$21,134

Farmers

$10,734

$87,479

Farmers

$10,734

$87,479

State Farm

$11,128

$18,735

State Farm

$11,128

$18,735

State Farm

$12,090

$23,444

State Farm

$12,090

$23,444

State Farm

$14,064

$27,272

State Farm

$14,064

$27,272

State Farm

$14,087

$31,233

State Farm

$14,087

$31,233

State Farm

$16,453

$36,035

State Farm

$16,453

$36,035

State Farm

$18,965

$41,536

State Farm

$18,965

$41,536

State Farm

$19,074

$47,753

State Farm

$19,074

$47,753

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.

Cheapest Car Insurance in Warren for Military Drivers

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.

Company
Annual Premium
Monthly Premium

Travelers

$102

$9

Travelers

$110

$9

Travelers

$122

$10

Chubb

$365

$30

USAA

$370

$31

USAA

$371

$31

USAA

$402

$34

Chubb

$445

$37

Chubb

$492

$41

Encompass

$725

$60

USAA

$807

$67

Progressive

$811

$68

Progressive

$818

$68

Progressive

$824

$69

Encompass

$824

$69

Encompass

$824

$69

GEICO

$826

$69

GEICO

$827

$69

USAA

$835

$70

GEICO

$838

$70

Chubb

$897

$75

Pioneer State Mutual Ins Co

$987

$82

USAA

$1,002

$84

Pioneer State Mutual Ins Co

$1,039

$87

Travelers

$1,057

$88

Pioneer State Mutual Ins Co

$1,088

$91

Chubb

$1,089

$91

GEICO

$1,146

$96

GEICO

$1,150

$96

GEICO

$1,156

$96

Auto-Owners Insurance Co

$1,171

$98

Travelers

$1,173

$98

Progressive

$1,190

$99

Chubb

$1,212

$101

Westfield

$1,224

$102

Auto-Owners Insurance Co

$1,238

$103

Progressive

$1,238

$103

Travelers

$1,313

$109

Westfield

$1,328

$111

Progressive

$1,397

$116

Encompass

$1,408

$117

Auto-Owners Insurance Co

$1,449

$121

Westfield

$1,468

$122

Farm Bureau Ins of MI

$1,561

$130

Grange Insurance

$1,618

$135

Farm Bureau Ins of MI

$1,639

$137

Encompass

$1,649

$137

Encompass

$1,649

$137

Grange Insurance

$1,656

$138

Pioneer State Mutual Ins Co

$1,730

$144

Pioneer State Mutual Ins Co

$1,840

$153

Grange Insurance

$2,012

$168

Farm Bureau Ins of MI

$2,015

$168

Farmers

$2,087

$174

Pioneer State Mutual Ins Co

$2,179

$182

Farmers

$2,223

$185

Auto-Owners Insurance Co

$2,255

$188

Auto-Owners Insurance Co

$2,337

$195

Auto-Owners Insurance Co

$2,425

$202

Farmers

$2,432

$203

Westfield

$2,481

$207

Farm Bureau Ins of MI

$2,568

$214

State Farm

$2,575

$215

Westfield

$2,579

$215

Grange Insurance

$2,760

$230

Farm Bureau Ins of MI

$2,773

$231

State Farm

$2,815

$235

Grange Insurance

$2,888

$241

Farmers

$2,890

$241

Grange Insurance

$3,106

$259

Farmers

$3,149

$262

Westfield

$3,160

$263

State Farm

$3,209

$267

State Farm

$3,332

$278

Farm Bureau Ins of MI

$3,414

$285

Farmers

$3,496

$291

State Farm

$3,657

$305

State Farm

$4,204

$350

Hanover

$5,470

$456

Hanover

$5,792

$483

Hanover

$6,205

$517

Hanover

$7,434

$619

Hanover

$8,116

$676

Hanover

$9,181

$765

How to Compare Cheap Warren Car Insurance Quotes Online

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.

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Best Car Insurance in Warren: Summary

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).

Best Overall Car Insurance in Warren

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.

How was this MoneyGeek score calculated?

Chubb

pros

Affordable rates

Good customer service

Has OEM coverage and rental car reimbursement

cons

No roadside assistance or gap insurance

COMPANY HIGHLIGHTS

Although it offers limited coverages, Chubb boasts a high score for affordability and gets excellent marks for customer satisfaction and claims handling. Even though few, its offerings include original equipment manufacturer (OEM), a coverage insurance companies rarely offer. OEM coverage pays for using original parts when your car needs repairs after an accident. By using OEM parts, your car will continue to operate as the manufacturer intended.

With Chubb's agreed value coverage, you and the insurer agree on your car's value when you purchase the policy. If your car is subsequently totaled or stolen, you receive a check for its agreed-upon value, not what it is currently worth. In addition, rental car reimbursement keeps you mobile if your car is undrivable. Chubb covers up to $5,000 for car rental without a per-day limit, usually enabling you to rent a car similar to your own.

Best Car Insurance in Warren for Customer Service

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.

How was this MoneyGeek score calculated?

Chubb

pros

Great customer service

Good claims management

Has diminished value coverage and rental car reimbursement

cons

Only has a few coverages

Doesn’t have gap insurance and roadside assistance

COMPANY HIGHLIGHTS

Chubb’s customer satisfaction and claims handling scores indicate customers generally have a good experience with this company, from customer engagement to filing a claim. As a bonus, it also offers the lowest rates in Warren.

While Chubb does not offer a plethora of add-on coverage, those it offers are rare. Your Chubb car insurance policy can include diminished value coverage, OEM coverage and rental car reimbursement. These can protect you financially in case of accidents or repairs.

Chubb’s agreed value coverage sets a value for your car when you purchase the policy. The company pays that value if your car is deemed a loss, regardless of its age or mileage. OEM coverage ensures no aftermarket parts are used to repair your vehicle. The company’s rental car reimbursement of up to $5,000 allows you to rent a car similar to yours when yours is not driveable.

Best Cheap Car Insurance in Warren

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.

How was this MoneyGeek score calculated?

Chubb

pros

An affordable option for minimum coverage policies at $445 per year

Discounts for bundling, anti-theft systems and honing devices

Good customer service

cons

No safe driving and multi-car discounts

Only has a few coverages

COMPANY HIGHLIGHTS

Chubb received the best scores for affordability and customer satisfaction. It’s one of the cheapest options, with an average premium of $445 per year. It also received an outstanding score for customer service. This means you’re getting good value for your money because the company balances cost and quality.

Chubb doesn’t have many typical discounts, but you can save on your premiums by bundling your car insurance policy with another insurance product from Chubb. You can also get discounts for having specific features on your vehicle, such as an anti-theft system, anti-lock brakes, daytime running lights and a honing device. These discounts can help you increase your savings when you’re looking for the cheapest way to protect your vehicle.

Average Cost of Car Insurance in Warren

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.