Cheapest Auto Insurance in Warren, Michigan (2024)

Auto-Owners offers the cheapest liability coverage in the city, at $79 per month.

Lindsay VanSomeren
Lindsay VanSomeren
  • 8 years in insurance and personal finance writing

  • Former data scientist for U.S. Geological Survey

Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated February 14, 2024 at 7:34 AM PST

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The average cost of car insurance in Warren, Michigan, is $232 per month for liability coverage and $487 for full-coverage policies. These average rates are much higher than the national average of $103 per month for minimum coverage and $207 for full-coverage insurance.

Unfortunately, high car insurance rates are common in Michigan, where the overall state average is $290 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.

Quick Facts
  • Auto-Owners, USAA, and Chubb offer the cheapest auto coverage in Warren, on average.

  • The overall average cost of car insurance in Warren is $359 per month.

  • Michigan is a no-fault car insurance state, which means each driver involved in an accident must file a claim with their respective insurers to cover medical expenses and other losses.[2]

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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Auto-Owners4.0$109$67Cheap rates
USAA4.5$110$67Military members
State Farm4.5$226$138Customer service
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for cheap rates: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$79/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.
$129/mo

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

I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.

Mary - August 13, 2023
Verified

I was dropped because of two minor at-fault accidents in two plus years.

Zachary - January 8, 2023
Verified

You can work directly with an agent.

Guy - May 17, 2022
Verified
Read our Auto-Owners review

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$80/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.
$130/mo

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

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best insurer for customer service: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$165/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.
$267/mo

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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

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 $79 per month

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Cheapest liability-only car insurance in Warren: Auto-Owners

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 Auto-Owners, with a rate of $79 per month.

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

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners79
USAA80
Chubb87
Safeco105
GEICO120
Progressive155
Nationwide161
State Farm165
Travelers190
Liberty Mutual203
Bristol West212
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $129 per month.

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

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners129
USAA130
Chubb141
Safeco184
GEICO197
Progressive223
Nationwide262
State Farm267
Travelers309
Liberty Mutual333
Bristol West360
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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]

CoverageMinimum 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$20,000 per person / $40,000 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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 $429 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 are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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.

AgeAverage Monthly Quote
Teens$782
20s$644
30s$557
40s$543
50s$530
60s$489
70s$520
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Warren car insurance FAQs

Before you begin shopping around for car insurance, you should decide how much coverage you need. The following information should help you navigate the process of buying auto insurance in Warren.

  • How much is car insurance in Warren?

    The overall average cost of coverage in Warren is $359 per month. Warren drivers pay an average of $232 per month for liability coverage and $487 for full-coverage insurance. How much you pay for coverage will depend on your driving record, age, and more.

  • Which company has the cheapest car insurance in Warren?

    With a liability quote of $79 per month, Auto-Owners is the cheapest car insurance company in Warren. USAA has the second-cheapest liability coverage option, at $80 per month. Chubb is the city’s third-cheapest insurer, with a liability rate of $87 per month.

    The best way to find cheap coverage is to compare quotes from multiple insurance companies at once.

  • What are the best car insurance companies in Warren?

    State Farm is the best car insurance company in Warren, thanks to an Insurify Quality (IQ) Score of 4.4 out of 5, an A++ (Superior) financial strength rating, and solid customer satisfaction. On average, Michigan drivers pay $138 per month for liability coverage from State Farm. Other top auto insurers include Auto-Owners and USAA.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "Facts + Statistics: Uninsured motorists." Accessed October 25, 2023
  2. NOLO. "Michigan No-Fault Car Insurance." Accessed October 25, 2023
  3. Insurance Information Institute. "Nine ways to lower your auto insurance costs." Accessed October 25, 2023
  4. Michigan Department of Insurance and Financial Sevices. "Michigan’s Auto Insurance Law Has Changed." Accessed October 25, 2023
  5. Michigan Department of Insurance and Financial Services. "What auto insurance coverage do I have to purchase?." Accessed October 25, 2023
Lindsay VanSomeren
Lindsay VanSomeren

Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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