Cheap Auto Insurance Quotes in Warren, MI (2023)

Tanveen Vohra
Written byTanveen Vohra
Tanveen Vohra
Tanveen VohraManager of Content and Communications
  • Property and casualty insurance specialist

  • 4+ years creating insurance content

Tanveen manages Insurify's data insights, annual home and auto insurance reports, and media communications. She’s regularly featured in media interviews on insurance topics.

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Olivia OksenhornInsurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

Amber Benka
Reviewed byAmber Benka
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

Updated August 31, 2022

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Car Insurance in Warren, 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 Warren, MI to find you the cheapest quotes in the area.

Quick Facts
  • The average cost of car insurance in Warren is $432 per month, or $5184 annually.

  • Car insurance in Warren is $140 more than the average cost of car insurance in Michigan.

  • The cheapest car insurance provider in Warren on average is State Auto, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

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.

See More:

Cheapest Car Insurance in Warren, 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!

Insurance Provider in WarrenQuotes
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Allstate$304 /mo
Liberty Mutual$372 /mo

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Average Car Insurance Cost

Michigan Cities
Detroit$520/mo
Grand Rapids$241/mo
Sterling Heights$498/mo
Ann Arbor$678/mo
Warren$338/mo
Michigan$455/mo
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.

Click here to learn about car insurance quotes and save on your current policy.

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[1] 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.

Find local Warren agents

  • Signature Insurance 

    32888 Ryan Rd,
    Warren, MI 48092
  • Allied Risk Services LLC 

    30500 Van Dyke Ave,
    Warren, MI 48093-2195
  • Advanced Insurance Agency 

    28341 Hoover Rd,
    Warren, MI 48093-4151
  • Look! Insurance

    20727 Van Dyke Ave,
    Warren, MI 48089
  • Bengal Insurance Agency - Warren, Michigan

    4198 E 10 Mile Rd,
    Warren, MI 48091
  • Millennium Ins & Investment Group

    3272 Twelve Mile Rd Suite 104,
    Warren, MI 48092
  • L.A. Insurance

    11530 E 10 Mile Rd,
    Warren, MI 48089
  • Steve Long: Allstate Insurance

    29447 Hoover Rd,
    Warren, MI 48093
  • Bengal Insurance Agency - Warren, Michigan

    4198 E 10 Mile Rd,
    Warren, MI 48091
  • The Right Choice Insurance Agency

    30500 Van Dyke Ave,
    Warren, MI 48093
View more

FAQs - Warren, MI Car Insurance

  • How does where I live affect my car insurance rates?

    Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.

  • How can I get the cheapest car insurance in my area?

    If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

  • Who offers the cheapest car insurance in my area?

Insurify Insights

How Warren 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 Warren, Michigan below:

Methodology

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 Warren 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.

ford

Ford Fusion

Most Popular Car in Warren

#70

City with the Most Speeding Tickets Rank in Michigan

#71

City with the Most Moving Violations Rank in Michigan

#73

City with the Most DUIs Rank in Michigan

#19

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. Warren drivers rank 83 in the number of car accidents per driver across all cities in Michigan.

    • Rank within state: #83
    • Percent of drivers in Warren with an accident: 3.4%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Warren drivers rank 73 in the number of DUI’s per driver across all cities in Michigan.

    • Rank within state: #73
    • Percent of drivers in Warren with a DUI: 0.9%
  • 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, Warren drivers rank 57 in the number of reckless driving offenses per driver.

    • Rank within state: #57
    • Percent of drivers in Warren with a reckless driving offense: 1.4%
  • 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, Warren drivers rank 45 in rude driving infractions.

    • Rank within state: #45
    • Percent of drivers in Warren with a reckless driving violation: 1.7%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Michigan, Warren drivers rank 70 in the number of speeding infractions per driver.

    • Rank within state: #70
    • Percent of drivers in Warren with a speeding ticket: 6.4%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Warren drivers rank 34 in clean driving records across all cities in Michigan.

    • Rank within state: #34
    • Percent of drivers in Warren with clean record: 85.1%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Warren drivers rank 55 in hybrid and electric vehicle ownership across all cities in Michigan.

    • Rank within state: #55
    • Percent of drivers in Warren with a hybrid/electric vehicle: 0.45%
Insurify Insights

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.

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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. Michigan Department of Insurance and Financial Serices. "State Minimum Car Insurance Requirements." Accessed May 27, 2022
Tanveen Vohra
Tanveen VohraManager of Content and Communications

Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance, focusing on market and pricing trends in home and auto insurance. Through her work, she helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. She received a bachelor's degree from SUNY Buffalo. You can connect with her on LinkedIn.

Olivia Oksenhorn
Edited byOlivia OksenhornInsurance Writer
Photo of an Insurify author
Olivia OksenhornInsurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

Compare Car Insurance Quotes Instantly

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Based on 3,806+ reviews
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