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10+ years editing experience
Published in U.S. News and World Report, Newsweek, and the Wall Street Journal
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Updated
The average monthly cost of car insurance in Southfield, Michigan, is $250. Liability-only insurance averages $181, and drivers pay about $319 per month for full coverage.
Average auto insurance rates are lower in Southfield compared to nearby Detroit and Dearborn, but about 41% higher than the state average of $177 per month.
Southfield is in Oakland County, which had 35,951 crashes in 2024 — the most of any county in the state, according to the Michigan Office of Highway Safety Planning. Southfield had 3,313 crashes, the most of any municipality in Oakland County.
Higher crash rates lead to higher premiums.
Auto-Owners has the lowest liability-only car insurance rates for Southfield drivers, averaging $96 per month. At $167 per month, Auto-Owners has the lowest rates for full coverage. In comparison, the Michigan state monthly average for liability-only insurance is $129, and full coverage averages $225 monthly.
Michigan is a no-fault state. To meet minimum insurance requirements in Michigan, drivers must carry three types of insurance:[1]
Personal injury protection (PIP)
Property protection insurance (PPI)
Residual bodily injury (BI) and property damage liability (PD)
Michigan doesn’t require collision and comprehensive insurance, although your lender likely will if you finance your car. Many drivers also choose a full-coverage policy in Southfield due to the risk of hitting a deer.
Oakland County’s deer crash rate in 2024 was the second-highest in the state, with 2,024 vehicle-deer incidents.[2]
The following table shows the cheapest liability-only and full-coverage car insurance rates in Southfield. Bundling auto coverage with homeowners insurance could help lower your costs.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Auto-Owners | $69 | $118 |
| USAA | $69 | $119 |
| Chubb | $75 | $129 |
| National General | $105 | $233 |
| Progressive | $111 | $171 |
| Safeco | $111 | $194 |
| Liberty Mutual | $127 | $232 |
| Bristol West | $136 | $270 |
| Direct Auto | $138 | $291 |
| State Farm | $142 | $244 |
| Travelers | $164 | $283 |
| GEICO | $168 | $249 |
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The city with the lowest average car insurance cost in Michigan is Battle Creek, at $158 per month. The most expensive is nearby Detroit, where car insurance averages $342 per month.
With an average rate of $250 per month, Southfield ranks as the third-most expensive city for car insurance in Michigan after Detroit and Dearborn.
The city’s proximity to Detroit means heavier traffic than in other areas of Michigan, such as Lansing, Flint, or Kalamazoo. Southfield is just 20 minutes from the Detroit metro area, which ranks No. 42 among the top 50 U.S. metro areas for auto theft, according to Insurify data.
The table below shows average monthly quotes for other cities in Michigan.
City | Average Monthly Premium |
|---|---|
| Grand Rapids | $154 |
| Lansing | $157 |
| Ann Arbor | $158 |
| Battle Creek | $158 |
| Kalamazoo | $165 |
| Rochester | $178 |
| Flint | $192 |
| Westland | $210 |
| Clinton Township | $226 |
| Warren | $239 |
| Southfield | $250 |
| Dearborn | $334 |
| Detroit | $342 |
Southfield drivers should be alert for deer, as Oakland County has the second-highest rate of deer-related crashes in Michigan. Southfield’s city website warns that the most serious deer-related crashes result from drivers swerving to avoid the animals.
In the winter, use extra caution in snowy conditions. Although Southfield employees attempt to remove snow promptly after a storm, side streets and neighborhood roadways are plowed last.
This means certain areas will remain hazardous to drive through until crews finish plowing the major roads. Leave plenty of following room when driving behind salt trucks or snow plows, and never attempt to pass them while they’re actively spreading salt or plowing snow, as you could lose control of your vehicle.
During rush hour, watch out for heavy traffic on the Interstate 696 bypass and Telegraph Road (U.S. Route 24). As part of the I-696 Restore the Reuther highway project, drivers can expect to encounter several detours.[3]
These detours may route eastbound I-696 traffic along M-10, M-8, and I-75 to allow road reconstruction and bridge work, likely increasing congestion. Expect road closures to continue through fall 2026.
Southfield drivers who have tickets, at-fault accidents, or an operating under the influence (OWI) conviction on their record pay more for car insurance coverage than drivers with a clean record.
Michigan’s no-fault insurance laws changed in 2020 to allow drivers to select their desired level of personal injury protection (PIP) coverage.[4] PIP pays for your medical expenses after an accident, regardless of fault, up to your policy limits.
OWI enforcement is strict, with enhanced penalties for drivers who have a blood alcohol concentration (BAC) of 0.17% or higher. If your BAC is below 0.17%, a first-time offense can result in up to 93 days in jail and a $500 fine.
For a first offense with a BAC of 0.17% or above, penalties include up to 180 days in jail, a $700 fine, and a one-year license suspension.[5]
About 0.56% of drivers in the Southfield/Detroit area have an OWI, according to Insurify data. Insurers classify drivers with an OWI as high risk, and they often pay high rates.
The following table shows the average monthly quote for drivers in Southfield by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $250 |
| Speeding ticket | $295 |
| At-fault accident | $290 |
| OWI | $403 |
About 18% of Southfield’s residents are age 18 or younger, according to the U.S. Census Bureau. In Michigan, teens must be at least 14 years and 8 months before they can receive a learner’s permit.[6]
Michigan state law allows age as a rating factor, which means teen drivers in Southfield pay much more for insurance than older drivers. Liability-only for teens in Southfield averages $284 per month, with a full-coverage policy costing about $500 per month.
In comparison, senior drivers in Southfield pay an average monthly rate of $157 for liability-only coverage and $277 for full coverage.
The table below shows average monthly quotes for Southfield drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $392 |
| 20s | $288 |
| 30s | $259 |
| 40s | $256 |
| 50s | $248 |
| 60s | $217 |
| 70+ | $209 |
*Quotes generated for Insurify users in and around Southfield, Michigan within the last 10 days. Last updated on July 30, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Southfield, Michigan within the last 10 days. Last updated on July 30, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
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Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
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Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
Below are some of the most frequently asked questions and answers about finding the best car insurance in Southfield.
The average monthly cost of car insurance in Southfield is $250. Liability-only coverage costs an average of $181 per month, while full coverage averages $319.
Auto-Owners offers cheap car insurance in Southfield, at $96 per month for liability-only coverage. The best insurer for you depends on factors such as desired coverage level, age, and driving record.
Southfield has a high number of crashes each year, which drives rates up. The city’s population density is 2,918, which is much higher than Michigan’s state average of about 177 but lower than nearby Detroit’s 4,607. Your claims history, deductible selection, and add-ons like roadside assistance also affect your cost, but available discounts can lower your insurance premiums.
You can get a quote for auto insurance by contacting your current home insurance, boat insurance, or motorcycle insurance agent. If you don’t already have coverage, you can find an agent to request a quote directly, use an insurance company’s online quote tool, or visit a platform like Insurify that compares multiple quotes at once.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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10+ years editing experience
Published in U.S. News and World Report, Newsweek, and the Wall Street Journal
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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