120+ more*Quotes generated for Insurify users in and around Warren, Michigan within the last 10 days. Last updated on September 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Warren, Michigan within the last 10 days. Last updated on September 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
Warren drivers pay a monthly average of $307 for full-coverage insurance and $173 for liability insurance, according to Insurify data. Those rates are significantly higher than statewide insurance averages.
Michigan is one of the most expensive states for car insurance, in part because of the high percentage of uninsured drivers. Warren’s car insurance rates are even higher.
This is due in part to the city’s population density and Macomb County’s high number of car accidents.[1] [2] Warren also has a high vehicle theft rate, according to Insurify data.
While Warren drivers have high rates, they pay less for coverage than residents of Detroit, the state’s largest city. But rates are cheaper in Ann Arbor, a city about 55 miles away.
Michigan has high minimum insurance requirements. Drivers must carry $50,000 per person and $100,000 per accident in bodily injury coverage, $10,000 for property damage in another state, property protection insurance that covers up to $1 million in property damage you cause, and personal injury protection (PIP).[3]
The cheapest insurer in Warren for state-minimum coverage is Auto-Owners. Policyholders pay an average of $94 per month for liability coverage.
The table below shows the insurers with the cheapest liability-only rates for Warren drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $94 |
| USAA | $94 |
| Chubb | $102 |
| National General | $142 |
| Progressive | $151 |
| Safeco | $151 |
| Liberty Mutual | $172 |
| Bristol West | $184 |
| Direct Auto | $187 |
| State Farm | $193 |
| Travelers | $222 |
| Insurify Car | $224 |
| GEICO | $228 |
Pay your first week’s premium and get immediate proof of insurance
On average, drivers in Warren pay $307 per month for full-coverage insurance. This is significantly higher than the state average.
Despite the added cost, full-coverage insurance — which includes collision coverage and comprehensive insurance — can be a worthwhile investment because it protects your vehicle.
Warren has four distinct seasons each year, with an average of 32 inches of snow annually. Icy roads contribute to collisions, making a full-coverage policy worth considering.
The table below shows the cheapest rates for full-coverage insurance in Warren.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $160 |
| USAA | $161 |
| Chubb | $175 |
| Progressive | $232 |
| Safeco | $263 |
| Liberty Mutual | $315 |
| National General | $316 |
| State Farm | $331 |
| GEICO | $338 |
| Bristol West | $366 |
| Travelers | $384 |
| Direct Auto | $395 |
Although Warren’s average car insurance rates are relatively high, coverage is cheaper than in nearby Detroit. On average, Detroit drivers pay $342 per month for car insurance. The city’s high population and crime rates contribute to the city’s high rates.
Grand Rapids is one of Michigan’s cheapest cities for car insurance. Its shorter average commute time — just 19 minutes — and relatively low vehicle theft rate help keep insurance premiums affordable.
The following table highlights average monthly car insurance rates for various Michigan cities.
City | Average Monthly Quote |
|---|---|
| Grand Rapids | $156 |
| Ann Arbor | $158 |
| Battle Creek | $158 |
| Lansing | $159 |
| Kalamazoo | $163 |
| Rochester | $180 |
| Flint | $196 |
| Westland | $207 |
| Clinton Township | $225 |
| Southfield | $248 |
| Dearborn | $331 |
| Detroit | $342 |
Car insurance in Warren is relatively expensive for several reasons. Warren is the third-largest city in Michigan, and it has a higher population density than Michigan as a whole.
Macomb County also ranks second in the state for collisions. Cities with more crashes often have higher insurance rates.
Michigan drivers already pay high insurance premiums. Combined with these additional factors, policies in Warren are even more expensive.
In Warren, 3.9% of drivers have a ticket on their driving record, 2.6% have an at-fault accident, and 0.5% have an operating while intoxicated (OWI) conviction, according to Insurify data. Drivers with infractions on their records pay higher insurance rates.
Below are the cheapest companies for Warren drivers by driving record:
Cheapest car insurance for Warren drivers with a clean driving record: Auto-Owners
Cheapest car insurance for drivers with a speeding ticket in Warren: Auto-Owners
Cheapest car insurance for Warren drivers with an at-fault accident: Auto-Owners
Cheapest car insurance for drivers with an OWI in Warren: Auto-Owners
Drunk driving remains a serious concern in Macomb County. In 2025, Macomb County law enforcement officers administered more than 1,770 breath and blood tests, according to the Michigan Annual Drunk Driving Audit.[4]
In that same year, 1,021 drivers were involved in alcohol-related crashes in Macomb County.[5]
If you have an OWI conviction on your record, an at-fault accident, or a speeding ticket, your premiums will likely increase.
Michigan is also a no-fault state, which means your own insurance pays for your medical bills and lost earnings after an accident, regardless of who was at fault.
The table below compares average monthly car insurance rates for Warren drivers with different driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $240 |
| Speeding ticket | $282 |
| At-fault accident | $284 |
| OWI | $386 |
Warren is the third-largest city in Michigan, behind only Detroit and Grand Rapids. Additionally, Macomb County, which includes Warren, had the third-highest number of collisions in 2025.
Commuting contributes to local traffic. Because Warren is located less than 20 miles from Detroit, many residents commute to work in the Motor City.
Interstate 75 South is the main corridor between Warren and Detroit, a busy freeway with heavy traffic and frequent collisions.
Warren has several family-owned eateries and breweries. Parking is plentiful and includes municipal lots, city parking garages, and on-street options.
Snow and cold winters are common in Michigan, and Warren averages 32 inches of snow per year. Snow, hail, and icy roads can cause significant driving hazards, so drive with extra caution during the winter months.
Drivers in Warren spend an average of 25 minutes commuting — slightly longer than the statewide average of 24.2 minutes. The majority of accidents in Macomb County occur during the afternoon commute, between 3 p.m. and 6 p.m., as people head home from work.
One of Warren’s major roadways, 14 Mile Road, is currently undergoing construction and rehabilitation. This road connects residents to eateries and retailers, including the Madison Place Shopping Center.
During this project, the city advises drivers to seek alternate routes. If that’s not possible, expect delays and shifting lanes as work continues.
Liability policies average $173/mo.
About 22% of Warren’s population is younger than 18, according to U.S. Census Bureau data. Teen drivers younger than 18 were involved in 1,500 accidents in Macomb County in 2025, according to the Michigan Office of Highway Safety Planning.
Warren teens pay the highest average insurance rates of any age group. Premiums for liability-only coverage average $276 per month.
The table below shows the lowest insurance rates for teen drivers in Warren.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $161 |
| Auto-Owners | $178 |
| Chubb | $196 |
| Progressive | $241 |
| National General | $264 |
| Liberty Mutual | $281 |
| Safeco | $289 |
| Bristol West | $303 |
| Direct Auto | $342 |
| State Farm | $350 |
| Insurify Car | $357 |
| GEICO | $386 |
| Travelers | $432 |
Approximately 16.5% of Warren’s population is 65 or older, according to U.S. Census Bureau data. Senior drivers aged 65 and older were involved in about 5,000 crashes in Macomb County in 2025, according to data from the Michigan Office of Highway Safety Planning.
Seniors pay the lowest insurance rates on average. Warren seniors’ premiums average $149 per month for liability insurance.
The following table highlights companies with the cheapest car insurance quotes for senior drivers in Warren.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $74 |
| USAA | $76 |
| Chubb | $77 |
| National General | $111 |
| Progressive | $130 |
| Safeco | $131 |
| Liberty Mutual | $143 |
| State Farm | $151 |
| Direct Auto | $153 |
| Bristol West | $153 |
| Travelers | $178 |
| GEICO | $181 |
| Insurify Car | $193 |
The answers to frequently asked questions below can help you find the best insurance in Warren.
The average cost of insurance in Warren is higher than the statewide average. In Warren, drivers pay an average of $307 per month for full coverage and $173 per month for liability-only coverage.
In Warren, your ZIP code, driving record, selected coverages and deductibles, and the area’s vehicle theft rate affect car insurance rates. Any add-ons you choose, such as uninsured motorist coverage or roadside assistance, also affect how much you pay.
Umbrella insurance is optional. But if your family needs extra protection beyond what auto insurance provides, an umbrella policy can offer valuable coverage. Experts recommend coverage that’s one to two times your total net worth.
To find the right car insurance policy for your vehicle in Warren, consider your car’s value, your commute time, where you park or garage your car, and your budget. Request car insurance quotes from several insurers to find the most affordable options. Be sure to ask about savings for bundling auto coverage with home insurance, as well as any other discounts you qualify for.
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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9+ years in personal finance writing
Certified Financial Counselor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
25 years teaching risk management and insurance course
Former commercial lines underwriter
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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