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Cheap Auto Insurance Quotes in Southfield, MI (January 2022)

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Last Updated: January 2022

Car Insurance in Southfield, MI

The average cost of Michigan car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Southfield, MI to find you the cheapest quotes in the area.
$310
$1,957
Liberty MutualAmerican Family

Cheapest Car Insurance in Southfield, MI

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$546
$520
$241
$338
$498
$1,134
MichiganDetroitGrand RapidsWarrenSterling HeightsSouthfield
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Southfield, MI Driving Facts

michigan

Minimum Car Insurance Requirements in MI

Michigan has more complex insurance laws, centered around a no-fault car insurance policy mandate, that are designed to cover injuries and damages caused in an accident regardless of fault. Michigan car insurance companies also offer three types of collision car insurance: limited, standard, and broad form.

Insurify Insights: How Southfield Drivers Measure Up

chevrolet
Chevrolet Malibu
Most Popular Car in
Southfield, MI
suspended licenses
#38
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Southfield drivers measure up to their fellow Michigan motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Southfield

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. Southfield drivers rank 20 in the number of car accidents per driver across all cities in Michigan.

  • Rank within state: #20
  • Percent of drivers in Southfield with an accident: 5.44%
  • Drivers in Southfield, MI with an accident in their driving history paid on average 54.95% more than drivers with a clean record

Speeding in Southfield

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Michigan, Southfield drivers rank 22 in the number of speeding infractions per driver.

  • Rank within state: #22
  • Percent of drivers in Southfield with a speeding ticket: 6.47%
  • Drivers in Southfield, MI with a speeding ticket in their driving history paid on average 22.63% more than drivers with a clean record

DUI/DWIs in Southfield

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Southfield drivers rank 35 in the number of DUI’s per driver across all cities in Michigan.

  • Rank within state: #35
  • Percent of drivers in Southfield with a DUI: 0.88%
  • Drivers in Southfield, MI with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Southfield

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Southfield is the Chevrolet Malibu.

Rude Drivers in Southfield

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Michigan, Southfield drivers rank 1 in rude driving infractions.

  • Rank within state: #1
  • Percent of drivers in Southfield with a reckless driving violation: 2.79%
  • Drivers in Southfield, MI with a reckless driving violation in their driving history paid on average 58.18% more than drivers with a clean record.

Safest Drivers in Southfield

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Southfield drivers rank 9 in clean driving records across all cities in Michigan.

  • Rank within state: #9
  • Percent of drivers in Southfield with clean record: 87.21%

Failure to Yield the Right of Way in Southfield

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Southfield drivers rank 9 in failure to yield violations per driver across all cities in Michigan.

  • Rank within state: #9
  • Percent of drivers in Southfield with a failure to yield violation: 0.44%
  • Drivers in Southfield, MI with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Southfield

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Michigan, Southfield drivers rank 13 in the number of reckless driving offenses per driver.

  • Rank within state: #13
  • Percent of drivers in Southfield with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership in Southfield

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Southfield drivers rank 8 in hybrid and electric vehicle ownership across all cities in Michigan.

  • Rank within state: #8
  • Percent of drivers in Southfield with a hybrid/electric vehicle: 1.58%

Methodology

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.


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