Cheapest and Best Car Insurance in Warren, MI (July 2024)


In Warren, Michigan, Travelers offers the cheapest minimum coverage, while GEICO provides the most affordable full coverage. For families with teens, GEICO is still the cost-effective option. When it comes to customer satisfaction, Chubb stands out, also ranking as the best overall due to the balance of price and service quality. Choosing the best insurer may vary depending on individual preferences and coverage needs.

MoneyGeek Logo IconBest & CheapestCar InsuranceWarren
2024

Cheapest and Best Car Insurance in Warren

Why Trust MoneyGeek? We analyzed 50,284 quotes in Michigan from 14 companies, used six sources and conducted original research to rate the cheapest companies and develop a scoring system for Warren insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

recency icon

These rates reflect the cheapest car insurance quotes in Warren, MI, as of July 2024.

50,284Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Coverage Car Insurance in Warren

Travelers is the cheapest option in Warren for minimum coverage car insurance, providing a budget-friendly option for drivers:

  • Travelers: $473 per year
  • Westfield: $663 per year

On the other end of the spectrum, Hanover has the most expensive minimum coverage policy in Warren with an annual premium of $3,841. This price difference underscores the importance of shopping around to ensure you're getting the best value for your car insurance.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Travelers$473$39
Westfield$663$55
Encompass$727$61
Chubb$751$63
GEICO$896$75
Progressive$979$82
Auto-Owners Insurance Co$1,107$92
Pioneer State Mutual Ins Co$1,162$97
Grange Insurance$1,370$114
Farm Bureau Ins of MI$1,797$150
Farmers$1,991$166
State Farm$2,980$248
Hanover$3,841$320

State Minimum Liability Requirements

In Michigan, state law prescribes the minimum car insurance coverage essentials:

  • $50,000 bodily injury per person
  • $100,000 bodily injury per accident
  • $10,000 property damage liability per accident
  • Unlimited personal injury protection (PIP) per person

For instance, if you hold a minimum coverage policy and are found liable for an accident, the policy covers up to $50,000 for bodily injury of one person, and up to $100,000 for all injured parties per incident. Should costs exceed these limits, you would be responsible for the difference, paying out of pocket.

Cheapest Full Coverage Car Insurance in Warren

GEICO offers the most affordable cheapest full coverage car insurance in Warren.

  • GEICO: $1,297 per year
  • Travelers: $1,537 per year

Hanover has the most expensive full coverage policy, with an annual premium of $7,581, demonstrating the importance of comparing rates to save money. Full coverage costs more than minimum coverage because it offers broader protection, cushioning you against a wider range of financial risks.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICO$1,297$108
Travelers$1,537$128
Encompass$1,646$137
Progressive$1,685$140
Chubb$1,720$143
Westfield$1,994$166
Pioneer State Mutual Ins Co$2,146$179
Auto-Owners Insurance Co$2,247$187
Grange Insurance$2,452$204
Farm Bureau Ins of MI$2,971$248
Farmers$3,365$280
State Farm$4,237$353
Hanover$7,581$632

Do You Need Full Coverage in Michigan?

A full coverage policy includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

  • Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, it's wise to opt for full coverage insurance for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

On the other hand, owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the value of the vehicle. When deciding how much car insurance coverage you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

Cheapest Car Insurance in Warren After a Driving Offense

Chubb is the most affordable option in Warren for drivers with a full coverage policy who have a poor driving record, regardless of the type of offense. The most cost-effective providers for each incident are:

  • Speeding Ticket: Chubb ($1,720 per year)
  • At-fault accident: Chubb ($1,720 per year)
  • DUI: Chubb ($1,720 per year)

Conversely, Hanover ranks as the priciest for all three offenses, with the most substantial annual rates being for a DUI at $16,103. This demonstrates how the gravity of driving offenses can significantly affect car insurance premiums.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Chubb$1,720$143
Encompass$1,869$156
Progressive$2,089$174
Westfield$2,411$201
GEICO$2,917$243
Travelers$2,919$243
Auto-Owners Insurance Co$2,964$247
Grange Insurance$3,239$270
Pioneer State Mutual Ins Co$3,316$276
Farm Bureau Ins of MI$4,162$347
Farmers$4,407$367
State Farm$6,365$530
Hanover$11,540$962

In Warren, as in other cities, insurance premiums tend to escalate with the severity of driving violations, reflecting the increased risk perceived by insurers. This substantial difference exemplifies why individuals with driving offenses must diligently compare insurance rates because finding the right policy could result in considerable savings.

Cheapest Car Insurance in Warren for Teens and Their Families

GEICO is the cheapest option in Warren for families looking for the cheapest car insurance for teens. Here are the two most affordable providers:

  • GEICO: $2,980 per year for female and male teens
  • Auto-Owners: $5,823 per year for female and male teens

These rates reflect the combined premium for a family with two parents and a teenager. State Farm presents the most expensive teen family policy in Warren, with an annual premium of $19,074 for female teens. This considerable price difference highlights the necessity of comparing offers to find the most economical insurance, especially when adding high-risk teen drivers to a policy.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICO$2,980$3,223
Progressive$3,633$9,239
Encompass$3,705$4,289
Auto-Owners Insurance Co$5,823$4,439
Travelers$7,752$7,560
Farmers$10,734$31,418
State Farm$19,074$13,194

In Warren and comparable cities, young drivers face steep insurance rates, with the average individual annual premium registering at $10,480. Conversely, being added to a family plan significantly reduces this financial burden, with the average coming to $7,671. The disparity in rates stems from the higher risk insurers attribute to inexperienced teen drivers, who are more prone to accidents. Consequently, securing an individual policy can be challenging, as providers are often hesitant to underwrite policies for high-risk individuals without a family's broader risk pool to offset potential claims.

Cheapest Car Insurance in Warren for Military Drivers

GEICO offers the cheapest full coverage car insurance for military backgrounds in Warren, with significant savings.

  • GEICO: $1,297 per year
  • USAA: $1,309 per year

While GEICO comes in as the most cost-effective option, USAA is not far behind. USAA is not only competitive in price but also specializes in services that cater exclusively to the needs of active-duty military members and veterans, making it a compelling choice for those who qualify for its coverage.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICO$1,297$108
USAA$1,309$109
Travelers$1,537$128
Encompass$1,646$137
Progressive$1,685$140
Chubb$1,720$143
Westfield$1,994$166
Pioneer State Mutual Ins Co$2,146$179
Auto-Owners Insurance Co$2,247$187
Grange Insurance$2,452$204
Farm Bureau Ins of MI$2,971$248
Farmers$3,365$280
State Farm$4,237$353
Hanover$7,581$632

How to Compare Cheap Warren Car Insurance Quotes Online

In Warren, comparing car insurance rates is a key strategy for cost savings. However, the process is often cumbersome, potentially requiring over an hour to examine rates from three or more companies.

MoneyGeek's car insurance calculator can help you streamline this process. By inputting details like age, driving history, credit score and preferred coverage, you can instantly receive rate estimates.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

High
Average
Low

Rates updated:

Nov 07, 2024

Shield Insurance
Why You Can Trust MoneyGeek

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.

Best Car Insurance in Warren: Overview

Finding the best auto insurance is a balance of cost, coverage, service and other factors, which varies based on individual priorities. MoneyGeek's analysis, utilizing different scoring systems for each category, highlights the top performers in Warren:

  • Best overall: Chubb (95 out of 100)
  • Best for service: Chubb (93 out of 100)
  • Best cheap: Chubb (94 out of 100)

Chubb emerges as Warren's standout insurance provider, delivering superior value, service and affordability. This company is the ideal choice for consumers in the city seeking a comprehensive package that excels in all the significant aspects of car insurance.

Overall Best Car Insurance in Warren

Chubb is the best car insurance option in Warren. Policy shoppers in Warren will find excellent coverage options from the following providers:

  • Chubb: MoneyGeek score of 95 out of 100 ($1,720 per year)
  • Westfield: MoneyGeek score of 87 out of 100 ($1,994 per year)

Chubb stands out in Warren with a nearly perfect MoneyGeek score for a full coverage policy. Key factors contributing to this top-ranking include exceptional satisfaction and affordability scores, demonstrating the company's commitment to customer service and reasonable pricing.

Company logo for Chubb
Best OverallChubb
MoneyGeek Score:
95/ of 100

Overview

Chubb's standout MoneyGeek score is bolstered by perfect satisfaction and claims scores, showcasing its commitment to customer contentment and reliable service. Chubb offers rental car and/or travel reimbursement and roadside assistance, ensuring the basics are well covered. Additionally, it provides original equipment manufacturer (OEM) coverage, which is particularly beneficial for ensuring repairs maintain the integrity of your vehicle with original parts.

Chubb's coverage options extend beyond the basics, offering rare coverages like diminished value coverage, ideal for those who want to protect their car's value post-accident. Moreover, its agreed value coverage option is another boon for customers, providing a guarantee of the insurance payout in the event of a total loss.

Best Car Insurance in Warren for Customer Service

Chubb is the best option in Warren for those seeking top-notch customer service in car insurance. This distinction is based on their stellar performance in customer general satisfaction, exemplary claims handling and a comprehensive selection of coverages.

  • Chubb: MoneyGeek score of 93 out of 100 ($1,720 per year)
  • Westfield: MoneyGeek score of 86 out of 100 ($1,994 per year)

Chubb stands out in the marketplace primarily due to its high scores in customer satisfaction and claims handling, ensuring a smooth and supportive process for clients.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
93/ of 100

Overview

Chubb's MoneyGeek score is bolstered by top marks in satisfaction and claims handling. The company ensures common coverages like rental car and/or travel reimbursement and roadside assistance.

Chubb's offerings include antique/classic car insurance, which safeguards prized vintage vehicles. Another standout is original equipment manufacturer (OEM) coverage, ideal for those who prefer on manufacturer parts in vehicle repairs. Diminished value coverage is also available, allowing you to recoup the lost value from accident-related damages.

Best Cheap Car Insurance in Warren

Chubb is the best option in Warren for consumers seeking value in car insurance — marrying affordability with top-notch service. Recognized for its superior performance, Chubb leads with a weighted MoneyGeek score favoring economical premiums without compromising on quality.

  • Chubb: MoneyGeek score of 94 out of 100 ($751 per year)
  • Westfield: MoneyGeek score of 89 out of 100 ($663 per year)

Chubb stands out with an blend of affordability, customer satisfaction and claims handling, contributing heavily to its score. This evaluation is based on minimum coverage policies, underscoring the value Chubb offers in essential auto insurance protection.

Company logo for Chubb
Best Cheap CompanyChubb
MoneyGeek Score:
94/ of 100

Overview

Chubb excels in customer satisfaction and claims handling. The average driver secures minimum coverage from Chubb for just $751 annually, capturing significant value. Policyholders benefit from discounts such as defensive driving and anti-theft system, and may also take advantage of offers like VIN etching and honing device.

Chubb's array of discounts includes bundling, multiple car, safe driving, and the always valuable anti-theft system. Customers may see their premiums reduced for enrolling in a defensive driving course — a proactive step towards safer driving habits and cost savings. Additionally, equipping vehicles with anti-theft systems not only enhances security but also translates into worthwhile premium reductions.

Average Cost of Car Insurance in Warren

In Warren, Michigan, the average car insurance cost is $2,697. This amount is slightly higher than the average car insurance cost in Michigan, which is $2,316, denoting a city-specific premium hike of $381. Additionally, Michigan's state average is greater than the national average car insurance cost of $1,781, with a difference of $535.

Car insurance premiums are influenced by numerous variables, and while location is not the sole determining factor, it carries significant weight in the calculation of insurance costs. The importance of location is evident when comparing the premiums across various cities.

Detroit bears the highest insurance rate within Michigan at $4,234, a steep increase of $1,917 more than the state average. In stark contrast is Ann Arbor, which offers the most economical option, coming in at $1,376 — $830 less than what others in the state typically pay. These figures reinforce the influence of urban density on premium costs, with suburban or rural areas sometimes presenting even lower insurance rates due to reduced traffic density.

Ann Arbor$1,376
Detroit$4,234
Grand Rapids$1,487
Lansing$1,613
Sterling Heights$2,159
Warren$2,697

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.