Cheapest Auto Insurance in Warren, Michigan (2026)

The average cost of car insurance in Warren, Michigan, is $184 per month for liability coverage and $292 for full-coverage policies. These average rates are much higher than the national average of $99 per month for minimum coverage and $173 for full-coverage insurance.

Unfortunately, high car insurance rates are common in Michigan, where the overall state average is $173 per month. Your exact car insurance rates depend on many different factors, but state residents face high average rates due to severe winter weather, a high percentage of uninsured drivers, and robust state coverage requirements.^[1]

Here’s what you need to know about finding the best cheap car insurance in Warren.

Cheapest car insurance companies in Warren

The best way for Michigan drivers to save money is to shop around and compare multiple auto insurance quotes. Each insurance company calculates rates in a unique way, so you won’t know which is the cheapest car insurance company for you without comparing quotes.

Below, you can start comparing quotes from three of the best insurers in the city: Auto-Owners, USAA, and State Farm. The quotes for liability and full-coverage insurance below depict average statewide costs for the insurers.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best for
Auto-Owners	8.2	$117	$72	Cheap rates
USAA	9.1	$118	$73	Military members
State Farm	9.3	$243	$149	Customer service

Disclaimer: Table data sourced from real-time Warren car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Warren may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: Auto-Owners

Cheap Rates

Compare Quotes

User Reviews	4.3 146 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$97/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$157/mo

Hide Details

Driver Reviews

4.3

Best choice in Warren, MIBased on 309 verified driver reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Warren for

Cheap rates

Senior drivers

Ample discounts

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Warren for

Cheap rates

Senior drivers

Ample discounts

Showing 11 Michigan reviews for Warren drivers - See all 146 Auto-Owners reviews

Paul

Verified Review

Auto Owners

Reviewed in Michigan on February 10, 2026

Auto Owners' rates have increased year after year.

Scott

Verified Review

Poor

Reviewed in Michigan on January 28, 2026

Prices are too high.

William

Verified Review

Claims handled great but very expensive

Reviewed in Michigan on January 16, 2026

Way too expensive.

David

Verified Review

Getting Expensive

Reviewed in Michigan on October 6, 2025

I've been with them for 15 years and received $3,200 back when a tree fell on my roof. It seems I'm in the hole for $19,776.00 over these years.

Linda

Verified Review

Best Claim Service

Reviewed in Michigan on August 23, 2025

When a driver drove into my back end, the communication and service were excellent!

Bruce C

Verified Review

Auto-Owners OK

Reviewed in Michigan on August 14, 2025

Return calls and information are relatively fast. Previous attempts to find a lower-cost policy have been fruitless.

Thomas

Verified Review

Fair Insurance, One Bad Agent

Reviewed in Michigan on July 4, 2025

I had a bad agent, but the prices are kind of high, yet they are the lowest among the big four insurance companies.

Richard

Verified Review

Time to Compare Rates

Reviewed in Michigan on April 19, 2025

I have had no problems with Auto-Owners, I just want to compare rates.

Mike

Verified Review

Unexpected Rate Increase

Reviewed in Michigan on March 27, 2025

The service was not satisfactory. Our rates were tripled without any notification.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Auto-Owners offers the lowest rates, on average, in Warren. The company is an especially good choice for Warren families looking for affordable auto insurance because it also offers many other products and discounts. For example, you can earn a discount on a multi-line policy for home insurance and life insurance, and the company has savings options for parents of teens, too.

Pros

• AM Best financial strength rating of A++ (Superior) 

• Above-average customer satisfaction rating in the J.D. Power 2023 U.S. Auto Insurance Study

Cons

• Rideshare coverage not available

• Quotes only available through insurance agent

Best insurer for military members: USAA

Military Members

Compare Quotes

User Reviews	4.9 1,477 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$97/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$158/mo

Show Details

Driver Reviews

4.9

Best choice in Warren, MIBased on 3,128 verified driver reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Warren for

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Warren for

Members of the military community

Outstanding customer service

Competitive rates

Showing 9 Michigan reviews for Warren drivers - See all 1,477 USAA reviews

Marcia

Verified Review

Good customer service and roadside assistance.

Reviewed in Michigan on January 22, 2026

I have not had to make any claims except for roadside assistance, and it went well. Their prices are rather high, though. I like the company and what they stand for, but I'm not sure if I can afford to keep them.

Lavonne

Verified Review

Lower Rate

Reviewed in Michigan on January 7, 2026

It's okay. Just way too expensive monthly and they never offered any discounts.

Halbert

Verified Review

Good

Reviewed in Michigan on October 20, 2025

Lowering car insurance rates!

Natalie

Verified Review

Like any insurance, I feel like I'm dealing with a bookie. They are betting I'm going to screw up, and they adjust for a rock hitting the windshield. I have a 20-year-old Toyota on PLPD, which I call car hospice. I don't feel I should be paying for an agent.

Reviewed in Michigan on September 30, 2025

Like any insurance, I feel like I'm dealing with a bookie. They are betting I'm going to screw up, and they adjust for a rock hitting the windshield. I have a 20-year-old Toyota on PLPD, which I call car hospice. I don't feel I should be paying for an agent.

Elisabeth

Verified Review

USAA

Reviewed in Michigan on August 13, 2025

Excellent, especially customer service.

Nathaniel

Verified Review

Hopefully you don't actually need it

Reviewed in Michigan on April 26, 2025

It was cheap until I went in the ditch and actually needed my insurance. They doubled my premiums.

Patrick

Verified Review

Price Hiked!

Reviewed in Michigan on April 25, 2025

Search for a lower price if you have a great driving record and payment history!

Michael

Verified Review

Satisfied!

Reviewed in Michigan on March 27, 2025

Very good!

Jeffrey

Verified Review

USAA is the best, great rates and no hassle on claims! Auto or home

Reviewed in Michigan on March 6, 2025

They are awesome, great rates and no hassle!

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Warren is home to nearly 7,000 military veterans and the U.S. Army Detroit Arsenal, an active-duty military base. USAA is a signature insurance company for active, reserve, and retired military members — and eligible family members.

USAA is an especially good choice if you’re looking for a single insurance company for all your needs. It offers a wide range of other policies, including homeowners coverage, RV insurance, motorcycle insurance, and — of particular interest for enthusiasts of southeast Michigan’s historic auto industry — classic car coverage.

Pros

• AM Best financial strength rating of A++ (Superior)

• Highly rated mobile app

Cons

• No in-person branch offices in Warren

• Only available to military members and their families

Best insurer for customer service: State Farm

Customer Service

Compare Quotes

User Reviews	4.0 7,176 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$200/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$326/mo

Show Details

Driver Reviews

4.0

Best choice in Warren, MIBased on 15,788 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Warren for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Warren for

Customer service

Competitive rates

Discounts for safe drivers

Showing 54 Michigan reviews for Warren drivers - See all 7,176 State Farm reviews

Wade

Verified Review

Insurance Ripoff

Reviewed in Michigan on March 4, 2026

The agents have all been top-notch since I was 16 years old. I went with Progressive for a few years but have come back to them. I'm 61, a retired crane/heavy equipment operator for 40 years. If you have any idea about the operation of machinery and the concentration it demands, that bleeds over to personal life decisions daily. I have had no accidents since 2003, no DUI or speeding tickets in I can't remember how long. I pay $393.12 a month.

Pamela

Verified Review

Insurance

Reviewed in Michigan on March 2, 2026

Love them. Just don't like the price. It keeps going up and up.

Jo

Verified Review

Fair

Reviewed in Michigan on March 1, 2026

After decades of loyalty, I continue to pay more (3-4x) and they continue to pay less.

Marvin

Verified Review

Average

Reviewed in Michigan on February 26, 2026

$145 per month is outrageously high to me.

Hughie

Verified Review

Look elsewhere

Reviewed in Michigan on February 24, 2026

Shop around. Many places offer the same coverage cheaper. I'm currently looking for a better rate. I wouldn’t recommend this company.

Larry

Verified Review

Average

Reviewed in Michigan on February 15, 2026

State Farm is too expensive.

Elicia

Verified Review

State Farm is there

Reviewed in Michigan on February 12, 2026

Price too high, but the office personnel are wonderful.

Douglas

Verified Review

They Cost Too Much Money

Reviewed in Michigan on February 11, 2026

They are too expensive.

Maria

Verified Review

Shop Around

Reviewed in Michigan on February 9, 2026

Better rates elsewhere.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

One of the largest insurance companies in the country, State Farm has solid customer satisfaction. It’s a good all-around choice for most Warren drivers, but it also offers unique coverages for classic cars and sports cars.

Although State Farm isn’t one of the top three cheapest car insurance companies in Warren, you can still find many ways to save money on auto insurance policies. For example, if you use the State Farm telematics app to record your driving, you could save up to 30% off your car insurance costs.

Pros

• AM Best financial strength rating of A++ (Superior)

• Above-average rankings for service and shopping in the J.D. Power 2022 U.S. Insurance Digital Experience Study

Cons

• Gap coverage not available

• Fewer available discounts than some insurers

How to get the cheapest car insurance in Warren

Each Michigan car insurance company may charge different rates depending on risk factors like your gender, ZIP code, age, and driving history. Though Warren drivers pay high average rates, you can look for ways to lower your costs.

Consider the following tactics to find cheap rates:

• Compare quotes. Shop around and compare multiple car insurance quotes from different companies. Finding the company with the cheapest quotes is the best way to zero in on the overall best car insurance company for you.

• Determine the right amount of coverage. Consider whether you need full coverage if you have a paid-off car. If you can afford to replace it with out-of-pocket payments, you may not need it.

• Set a higher deductible. Choose the highest deductible you can afford from your current savings. The higher your deductible, the lower your average annual rate.

• Utilize discounts. Make sure you take advantage of all the discounts available to you, especially for young drivers.^[3]

Find Cheap Car Insurance in Warren, Michigan

Liability coverage starts at $97 per month

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Cheapest liability-only car insurance in Warren: USAA

Michigan requires drivers to purchase a minimum amount of coverage beyond liability insurance in order to drive legally in the state. You’ll need to pay for personal injury protection (PIP) and property protection (PPI) as part of a minimum-coverage policy, as well as residual liability coverage.^[4]

The cheapest liability-only insurance company in Michigan is USAA, with a rate of $97 per month.

Here are the cheapest car insurance options for minimum-coverage insurance in Warren.

The below rates in Warren, MI, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
USAA	$97
Auto-Owners	$97
Chubb	$106
National General	$146
Safeco	$149
Progressive	$162
Bristol West	$181
Direct Auto	$192
Nationwide	$197
State Farm	$200
Liberty Mutual	$206
Travelers	$231
GEICO	$241

Disclaimer: Table data sourced from real-time Warren car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Warren may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Warren: Auto-Owners

If you lease your car or take out a loan to buy it, your lender will typically require you to buy full-coverage insurance.

Unlike the state’s minimum insurance requirements, full-coverage policies also include collision and comprehensive coverage to fix or replace your vehicle after an accident. Full-coverage insurance costs more because of the extra protection it provides.

Auto-Owners offers the cheapest full-coverage insurance in Michigan, at $157 per month.

The following Michigan car insurance companies offer the best rates for full-coverage insurance in Warren.

The below rates in Warren, MI, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
Auto-Owners	$157
USAA	$158
Chubb	$172
Progressive	$260
Safeco	$260
National General	$310
Liberty Mutual	$311
Nationwide	$321
State Farm	$326
GEICO	$326
Direct Auto	$350
Bristol West	$367
Travelers	$377

Disclaimer: Table data sourced from real-time Warren car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Warren may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Michigan

The state of Michigan has some of the most advantageous laws in place for car accident victims. Michigan requires insurers to reimburse people for accident-related medical bills for the rest of their life under a PIP coverage policy. This benefit increases insurance costs in the state.

In addition to lifetime PIP coverage, you also need to purchase the property damage equivalent of PIP, as well as the traditional bodily injury and property damage liabilities required in other states. These insurance requirements are higher because Michigan is a no-fault state.

Here are the state’s specific minimum-coverage requirements:^[5]

Coverage	Minimum Requirements
Personal injury protection (PIP)	Lifetime coverage on medical bills and three-year wage replacement after accidents
Property protection (PPI)	$1 million per accident
Bodily injury liability	$50,000 per person / $100,000 per accident
Property damage liability	$10,000 for property damage in other states

The minimum car insurance in Warren is already expensive, but you might want to consider additional coverage options for more protection.

Common optional coverages include the following:

• 

  Collision coverage

  Collision insurance kicks in to cover vehicle replacement or repair costs following a collision with another vehicle or object.

• 

  Comprehensive coverage

  If a non-collision incident damages your vehicle, comprehensive insurance can cover your needed repair or replacement costs. These incidents include severe weather, theft, and more.

• 

  Uninsured/underinsured motorist coverage

  More than 25% of Michigan drivers don’t carry car insurance at all. Uninsured/underinsured motorist coverage coverage can help you pay for costs following an accident caused by a driver without enough insurance.

• 

  Roadside assistance coverage

  Michigan has icy and snowy weather during the winter months, and roadside assistance coverage can help if you get stuck in a ditch on the side of the road, lock yourself out of your car, or need other roadside help.

• 

  Gap coverage

  Especially helpful for new cars, gap insurance pays back the remainder of your auto loan in the event you total your car and your remaining loan balance exceeds your insurance payout.

Cheapest car insurance for drivers with an incident

Having an incident on your record can increase your car insurance rates in Warren. Incidents — which include moving violations like speeding tickets, at-fault accidents, and driving under the influence (DUI) — act as a clear signal to insurers that you pose a higher risk as a driver.

Warren drivers with a past incident pay an average of $298 per month for car insurance. The severity and frequency of your incidents influence how much your rates increase after a violation.

Here are the average liability car insurance rates for Warren residents by driving record.

The below rates in Warren, MI, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
USAA	$97	$120	$135	$149
Auto-Owners	$97	$121	$133	$149
Chubb	$106	$129	$146	$163
National General	$146	$173	$202	$225
Safeco	$149	$188	$216	$244
Progressive	$162	$184	$232	$261
Bristol West	$181	$217	$248	$278
Direct Auto	$192	$229	$272	$295
Nationwide	$197	$244	$275	$303
State Farm	$200	$242	$275	$308
Liberty Mutual	$206	$250	$285	$317
Travelers	$231	$286	$323	$355
GEICO	$241	$301	$326	$369

Disclaimer: Table data sourced from real-time Warren car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Warren may vary based on the policy buyer's unique driver profile.

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Average cost of car insurance by age

Your age affects how much you pay for car insurance. Because teens lack the driving experience of older drivers, they typically face the highest car insurance rates. Rates generally decrease with age and experience for drivers between the ages of 35 and 69, but senior drivers older than 70 usually start to face increased rates due to aging-related risk factors.

Here are the average car insurance rates by age in Warren.

Age	Average Monthly Quote
Teens	$782
20s	$644
30s	$557
40s	$543
50s	$530
60s	$489
70s	$520

Disclaimer: Table data is based on real-time Warren quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Warren car insurance FAQs