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Car Insurance in Canton, MI
People living in Canton and in other cities across Michigan are required to have car insurance to stay legal and safe drivers on the road. Because the average cost of car insurance in Michigan is higher than the national average, it’s important for Canton drivers to know how and where to find the cheapest possible car insurance rates.
Buying insurance in Michigan doesn’t have to break the bank. With Insurify, you can compare car insurance quotes from multiple providers online without ever having to talk to an insurance agent. Use Insurify and get the best and cheapest auto insurance for you today. It’s completely free to use and only takes a few minutes!
The type of coverage you choose is not the only factor that will decide your insurance rates, though you will see costs vary between coverage options. Insurance coverage costs are also dependent on your location and will vary from city to city in Michigan. Below are the average car insurance rates for Michigan cities. See how Canton compares:
- The average cost of car insurance in Canton is $338 per month, or $4056 annually.
- Car insurance in Canton is $46 more than the average cost of car insurance in Michigan.
- The cheapest car insurance provider in Canton on average is Progressive, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Cheapest Car Insurance in Canton, MI
Some car insurance providers are able to offer cheaper car insurance coverage than others. That’s because every insurance provider weighs information like your age, driving record and credit score a little differently. While the following car insurance companies offer the cheapest rates on average in Canton, get a free quote from Insurify to estimate your individual rate.
|Insurance Provider in Canton||Quotes|
|Liberty Mutual||$343 /mo|
|Midvale Home & Auto||$435 /mo|
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Best Car Insurance in Canton, MI
While it may be tempting to choose the car insurance policy with the cheapest premium and the highest deductible, it’s also important to choose a company that can reliably pay claims and offer good customer service. We evaluated a range of financial strength and customer satisfaction indicators to find the best car insurance companies in Michigan.
|Liberty Mutual||82||$343 /mo|
Average Car Insurance Cost
Minimum Car Insurance Requirements in Michigan
All motor vehicles operated or parked on Michigan roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
Michigan’s unique No Fault insurance program includes multiple levels of protection available depending on residents’ Medicare or Medicaid status and the insurance status of relatives.
The minimum required insurance levels for Michigan are:
- $50,000 per accident for PIP
Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.
- $1,000,000 per accident for PPI
Property protection insurance, referred to as PPI coverage, is a type of coverage unique to Michigan. It acts similarly to traditional property damage insurance, but only applies to property damaged in accidents that occur within the state of Michigan.
The minimum liability insurance requirements for private passenger vehicles in Michigan are:
- $250,000 per person for bodily injury
- $500,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Michigan is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.
- $10,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. In Michigan, this coverage only applies to out-of-state accidents.
Canton Car Insurance Rates by Driver Age
One of the first factors car insurance companies look at when determining your rates is your age. That’s because younger drivers are less experienced on the road and more likely to get into car accidents. More mature drivers, however, tend to see the cheapest rates. Here’s what you can expect to pay based on your age group in Michigan.
|Driver's Age||Avg. Monthly Cost|
Canton Car Insurance Rates by Driving and Accident History
Insurance companies view drivers with infractions on their driving records as a greater risk to insure. That’s why you’ll pay more for car insurance if you have speeding tickets, DUIs, or accidents in your driving history. Here’s what drivers with these issues pay on average for car insurance when compared to drivers with a clean driving record in Michigan.
|Driving History||Avg. Monthly Cost|
Canton Car Insurance Rates by Credit Tier
Yet another factor that goes into determining your insurance premium is your credit score. Drivers with excellent credit see lower car insurance rates than drivers with bad credit. Here’s what you can expect to pay for car insurance in Michigan based on your credit score:
|Credit Tier||Avg. Monthly Cost|
Canton DMV Information
The Secretary of State office in Canton, Michigan offers DMV services such as motor vehicle registration and driver’s license renewal. The office actually offers a self-service station for these tasks, which is open 24 hours a day, whereas the Secretary of State office itself is open Monday through Friday 9:00 am to 5:00 pm. The Canton Secretary of State office is located at:
8565 N Lilley Rd
Canton, MI 48187
Public Transportation in Canton
Most residents of Canton drive and public transportation options are relatively limited. The Canton Mobility Transportation service is available to residents aged 55 and older, those with disabilities, and those who qualify for Social Security. The cost of a ride is $3 (cash only), and transportation is available to nearby cities including Livonia, where the hospital is located.
For residents who do not own a vehicle, Uber, Lyft, and taxi services are available in Canton to get around the city.
How to Get the Cheapest Car Insurance in Canton
The easiest way to get the best and cheapest car insurance in Canton is to compare customized car insurance quotes from multiple providers. Rather than getting quotes from an insurance agency, you can save time by using Insurify to find the right policy for you and to find the most competitive rates in your area.
You’ll just need to answer a few questions about your vehicle and driving history to get started and we’ll provide you with quotes from multiple providers. The best part? You don’t have to spend hours on the phone with an insurance agent to find the best policy for you. You can also use Insurify to shop for home insurance and life insurance.
FAQs - Canton, MI Car Insurance
You can use Insurify to identify the car insurance companies that can offer you the cheapest premiums in Canton. You’ll just need to enter your information once, instead of going to multiple providers’ websites for quotes. Let Insurify take over your insurance services for car insurance and homeowners insurance. It’s completely free to use and takes only five minutes!
The average cost of car insurance in Canton is $781, but keep in mind that your individual auto insurance rates will depend on your age, credit score, and driving record. You can also save on car insurance by bundling your auto insurance policy with your homeowners insurance or renters insurance. It’s also important to check out what discounts you might qualify for, such as a loyalty insurance discount or a safe driver discount, to save on your premiums.
High required coverage limits is one of the reasons why car insurance is so expensive in Michigan. Another reason Michiganders see higher rates than the national average is because Michigan has a high percentage of uninsured motorists. Other aspects of your driving history like DUIs or accidents will also drive up your insurance rates in Canton.
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The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
How Canton Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Canton, Michigan below:
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Canton drivers measure up to their fellow motorists across Michigan in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Most Popular Car in Canton
City with the Most Speeding Tickets Rank in Michigan
City with the Most Moving Violations Rank in Michigan
City with the Most DUIs Rank in Michigan
City with the Most Suspended Licenses in Michigan
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Canton drivers rank 12 in the number of car accidents per driver across all cities in Michigan.
- Rank within state: #12
- Percent of drivers in Canton with an accident: 6.19%
- Drivers in Canton, MI with an accident in their driving history pay on average 0% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Michigan, Canton drivers rank 5 in the number of speeding infractions per driver.
- Rank within state: #5
- Percent of drivers in Canton with a speeding ticket: 8.76%
- Drivers in Canton, MI with a speeding ticket in their driving history pay on average -94.2% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Canton drivers rank 14 in the number of DUI’s per driver across all cities in Michigan.
- Rank within state: #14
- Percent of drivers in Canton with a DUI: 1.55%
- Drivers in Canton, MI with a DUI in their driving history pay on average 0% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Canton is the Chevrolet Equinox.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Canton drivers rank 9 in hybrid and electric vehicle ownership across all cities in Michigan.
- Rank within state: #9
- Percent of drivers in Canton with a hybrid/electric vehicle: 1.44%
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
- Michigan Department of Insurance and Financial Serices. "State Minimum Car Insurance Requirements." Accessed May 28, 2022