Cheapest and Best Car Insurance Companies in Warren, MI


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ByMark Fitzpatrick
Edited byMargarita Barresi
ByMark Fitzpatrick
Edited byMargarita Barresi

Updated: May 20, 2024

Advertising & Editorial Disclosure

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.

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2024

Cheapest and Best Car Insurance in Warren, MI

Why Trust MoneyGeek? Our analysis of Warren car insurance rates is based on data we gathered from the Michigan Department of Insurance and Financial Services and Quadrant Information Services.

50,284Quotes Analyzed
 
14Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
TravelersAnnual Premium$110Monthly Premium$9
ChubbAnnual Premium$445Monthly Premium$37
ProgressiveAnnual Premium$818Monthly Premium$68
EncompassAnnual Premium$824Monthly Premium$69
GEICOAnnual Premium$826Monthly Premium$69
Pioneer State Mutual Ins CoAnnual Premium$987Monthly Premium$82
Auto-Owners Insurance CoAnnual Premium$1,171Monthly Premium$98
WestfieldAnnual Premium$1,224Monthly Premium$102

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ChubbAnnual Premium$1,089Monthly Premium$91
GEICOAnnual Premium$1,146Monthly Premium$96
TravelersAnnual Premium$1,173Monthly Premium$98
ProgressiveAnnual Premium$1,238Monthly Premium$103
EncompassAnnual Premium$1,649Monthly Premium$137
Pioneer State Mutual Ins CoAnnual Premium$1,840Monthly Premium$153
Auto-Owners Insurance CoAnnual Premium$2,255Monthly Premium$188
WestfieldAnnual Premium$2,579Monthly Premium$215

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
ChubbAnnual Premium$1,089Monthly Premium$91
ProgressiveAnnual Premium$1,563Monthly Premium$130
EncompassAnnual Premium$1,870Monthly Premium$156
TravelersAnnual Premium$2,219Monthly Premium$185
GEICOAnnual Premium$2,553Monthly Premium$213
Pioneer State Mutual Ins CoAnnual Premium$2,779Monthly Premium$232
Auto-Owners Insurance CoAnnual Premium$3,003Monthly Premium$250
WestfieldAnnual Premium$3,012Monthly Premium$251

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$2,980Individual Plan Monthly Premium$14,571
ProgressiveFamily Plan Annual Premium$3,633Individual Plan Monthly Premium$15,227
EncompassFamily Plan Annual Premium$3,705Individual Plan Monthly Premium$11,289
Auto-Owners Insurance CoFamily Plan Annual Premium$5,823Individual Plan Monthly Premium$10,182
TravelersFamily Plan Annual Premium$7,752Individual Plan Monthly Premium$18,446
FarmersFamily Plan Annual Premium$10,734Individual Plan Monthly Premium$87,479
State FarmFamily Plan Annual Premium$19,074Individual Plan Monthly Premium$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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$835Monthly Premium$70
ChubbAnnual Premium$1,089Monthly Premium$91
GEICOAnnual Premium$1,146Monthly Premium$96
TravelersAnnual Premium$1,173Monthly Premium$98
ProgressiveAnnual Premium$1,238Monthly Premium$103
EncompassAnnual Premium$1,649Monthly Premium$137
Pioneer State Mutual Ins CoAnnual Premium$1,840Monthly Premium$153
Auto-Owners Insurance CoAnnual Premium$2,255Monthly Premium$188

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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Rates updated:

Jun 13, 2024

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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

checkmark

Affordable rates

checkmark

Good customer service

checkmark

Has OEM coverage and rental car reimbursement

cons

close

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

checkmark

Great customer service

checkmark

Good claims management

checkmark

Has diminished value coverage and rental car reimbursement

cons

close

Only has a few coverages

close

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

checkmark

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

checkmark

Discounts for bundling, anti-theft systems and honing devices

checkmark

Good customer service

cons

close

No safe driving and multi-car discounts

close

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 has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.