bestauto insuranceWarren2022Compare 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.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 11/25/2022
Written By |
Mark Fitzpatrick
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.
bestauto insuranceWarren2022The Cheapest and Best Car Insurance in Warren
Cheapest Overall - GEICO
Cheapest State Minimum - Nationwide
Cheapest With a Driving Violation - Nationwide
Best Overall - The Hartford
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
- Company100/300/100per year
- 1.$1,162
- 2.$1,679
- 3.$2,090
- 4.$2,230
- 5.$2,394
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.
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
- CompanyState Minimumper year
- 1.$745
- 2.$818
- 3.$1,131
- 4.$1,338
- 5.$1,497
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
- ItemDescription
- Bodily Injury$20,000 per person and $40,000 per accident. A more protective level is 100/300/100.
- Personal Injury ProtectionUnlimited 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
- CompanySpeeding Ticketper year
- 1.$1,441
- 2.$2,623
- 3.$2,847
- 4.$2,889
- 5.$2,954
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.
The Best Car Insurance Companies in Warren
MoneyGeek found the best car insurance providers in Warren, Michigan, by gathering hundreds of quotes from multiple providers and analyzing their average rates, claims ratings and user satisfaction ratings. The companies with the highest scores in this city are:
- Nationwide: MoneyGeek score of 88.60 out of 100
- Auto-Owners Insurance Co: MoneyGeek score of 87.80 out of 100
Although USAA received a score of 100 out of 100, MoneyGeek excluded it in rankings because of its limited availability. Nonetheless, USAA is the best car insurance in Warren for military members.
1
Nationwide
Score:89
Nationwide policies for drivers in Warren are affordable, at an average of $2,450 per year. Its satisfaction and claims scores are likewise impressive, and it offers protection against identity theft.
More About Nationwide
A rare coverage offered by Nationwide in Warren protects you from identity theft or fraud. This can reimburse you up to $25,000 in expenses. Nationwide’s Total Loss Deductible Waiver pays the deductible for your comprehensive and collision insurance if your vehicle is declared a total loss after an accident. Gap insurance pays the difference between the actual cash value of a leased or loan car and the remaining amount you owe if your car is considered a total loss in an accident.
Read MoneyGeek's Nationwide auto Insurance Review2
Auto-Owners Insurance Co
Score:88
Auto-Owners Insurance Co earned impressive scores on claims, satisfaction and affordability. It is more affordable than the average insurer in Warren at roughly $2,446 annually. Diminished Value Coverage is a rare offer that protects your investment.
More About Auto-Owners Insurance Co
Auto-Owners Insurance Co in Warren has a rare offer called Diminished Value Coverage, which compensates Warren drivers with the reduced value of their vehicle after a covered loss. Unique coverages offered by this insurer include gap insurance and new car replacement. After an accident, gap insurance pays the difference between a car's value and the amount still owed if you own a leased or loaned car. New car replacement pays to replace your vehicle with a new one if it is considered totaled.
Read MoneyGeek's Auto-Owners Insurance Co auto Insurance ReviewAverage 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 CodeState 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.
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