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Drivers in Westland, Michigan, pay an average of $254 per month for full-coverage car insurance and $159 for liability-only coverage, according to Insurify data.
That’s much less than the nearest major metro, Detroit, but higher than in other neighboring cities, including Ann Arbor, where the average driver pays $206 per month for full-coverage car insurance.
Below, learn how Westland’s car insurance costs measure up to other cities throughout Michigan.
Michigan minimum insurance laws require drivers to have $50,000 per person and $100,000 per accident in bodily injury liability coverage, as well as $10,000 in property damage liability for out-of-state accidents. Policies default to $250,000/$500,000 unless you sign a form choosing lower limits.[1]
You must also carry personal injury protection (PIP) and $1 million in property protection insurance (PPI), which can cover any property damage in Michigan.[2]
The cheapest car insurance company for liability coverage in Westland is Auto-Owners, with an average rate of $81 per month. USAA and Chubb also have low rates compared to other car insurance companies in Westland.
See the table below for a list of the cheapest companies for liability-only insurance in Michigan.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $68 |
| USAA | $69 |
| Chubb | $74 |
| National General | $105 |
| Safeco | $111 |
| Progressive | $112 |
| Liberty Mutual | $128 |
| Allstate | $129 |
| Bristol West | $137 |
| Direct Auto | $138 |
| State Farm | $141 |
| GEICO | $163 |
| Travelers | $163 |
| Insurify Car | $170 |
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Westland drivers pay a monthly average of $254 for full-coverage policies.
Some Westland drivers may want to purchase more than just state-minimum liability coverage due to the city’s high rate of accidents. Westland has more annual car accidents than most other smaller cities in Wayne County, including Dearborn Heights, Redford Township, and Plymouth, according to state data.[3]
See the table below for a list of the cheapest companies for full-coverage insurance in Michigan.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $117 |
| USAA | $118 |
| Chubb | $128 |
| Progressive | $165 |
| Safeco | $194 |
| Liberty Mutual | $232 |
| National General | $233 |
| GEICO | $242 |
| State Farm | $242 |
| Bristol West | $271 |
| Allstate | $272 |
| Travelers | $280 |
| Direct Auto | $294 |
Westland car insurance rates fall in the middle of car insurance rates in Michigan, but they’re more than in nearby Ann Arbor and Lansing — both of which are larger cities by size and population. Westland has fewer injuries from crashes than either Ann Arbor or Lansing, according to a 2024 report from Michigan Traffic Crash Facts, but its accident rates are higher.
See the table below for a look at how Westland’s car insurance premiums compare to those in other cities in Michigan.
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 |
| Warren | $240 |
| Southfield | $248 |
| Dearborn | $331 |
| Detroit | $342 |
Your driving history plays a big role in your car insurance rates. People with clean driving records and no accidents or tickets pay lower premiums than high-risk drivers with an incident on their record.
Below, you can see the cheapest car insurance companies in Westland for people with different driving records, according to Insurify data:
Cheapest car insurance for Westland drivers with a clean driving record: Auto-Owners
Cheapest car insurance for drivers with a speeding ticket in Westland: Auto-Owners
Cheapest car insurance for Westland drivers with an at-fault accident: Auto-Owners
Cheapest car insurance for drivers with a DUI in Westland: Auto-Owners
The cheapest insurance company for Westland drivers with an accident is Auto-Owners, with an average premium of $102 per month for liability-only coverage.
In 2024, Wayne County, where Westland is, recorded more than 50,000 accidents, according to Michigan Traffic Crash Facts.
The table below shows how much people in Westland pay for car insurance based on their driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $207 |
| Speeding ticket | $244 |
| At-fault accident | $243 |
| DUI | $333 |
Driving conditions are different in every city. If you’re driving in Westland, Michigan, it’s a good idea to keep the following things in mind:
Be prepared for construction. You’ll find many ongoing construction projects on roads in and around Wayne County.
Watch for radar trailers. The city of Westland has radar trailers that display your driving speed as you pass by. Residents can request these in neighborhoods throughout the city, so slow down while you’re behind the wheel.[4]
Expect more drivers during high-travel times. Westland is close to Detroit, which can mean many drivers travel through Westland on their way downtown. It’s also only a few minutes from Detroit Metropolitan Wayne County Airport, which can bring many drivers to the area as well.
The county doesn’t plow neighborhoods during the winter. During normal snowfall periods, the Westland Department of Public Service prioritizes plowing and salting major routes, such as school and trash routes, to reduce trash buildup or disruptions to local schools. But if six inches or more of snow has fallen, the city may declare a snow emergency. Once the major routes are clear, the city will focus on residential areas.
Westland is only about 30 minutes from Detroit, so many residents commute to and from Detroit for work, which can mean a higher chance of accidents and higher insurance premiums.
In Westland, Interstate 275 and M-153 (Ford Road) border the city. M-153 averages between 20,001 and 50,000 vehicles per day, while I-275 sees more than 100,000, according to Michigan Department of Transportation data. This can increase the risk of accidents and insurance claims, sending premiums upward.
See quotes from top insurers in minutes
Teen drivers typically pay more for insurance than older drivers. In Wayne County, more than 21,000 drivers are aged between 16 and 17 — and nearly 2,000 were in accidents in 2024 alone — according to Michigan Traffic Crash Facts.
The average monthly car insurance premium for teen drivers in Westland, Michigan, is $253 for liability-only coverage and $405 for full coverage.
Below are the companies offering the cheapest car insurance rates for teen drivers in Michigan.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $118 |
| Auto-Owners | $129 |
| Chubb | $142 |
| Progressive | $178 |
| National General | $196 |
| Allstate | $205 |
| Liberty Mutual | $209 |
| Safeco | $213 |
| Bristol West | $226 |
| Direct Auto | $252 |
| State Farm | $256 |
| Insurify Car | $271 |
| GEICO | $276 |
| Travelers | $318 |
Wayne County has more than 267,000 drivers aged 65 or older, according to state data. More experienced drivers pay lower insurance rates than teens and newer drivers, but rates can climb after age 70.
Senior drivers in Westland pay monthly averages of $137 for liability-only policies and $219 for full-coverage policies.
Use the table below to view the companies offering the lowest premiums for senior drivers in Michigan.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $54 |
| Chubb | $56 |
| USAA | $56 |
| National General | $82 |
| Safeco | $97 |
| Progressive | $97 |
| Liberty Mutual | $106 |
| State Farm | $111 |
| Allstate | $111 |
| Direct Auto | $113 |
| Bristol West | $114 |
| GEICO | $130 |
| Travelers | $130 |
| Insurify Car | $147 |
Car insurance can be pricey in Westland, Michigan, but getting quotes from several car insurance companies can help you get the lowest rates possible. Check out the additional information below to help guide your search.
Drivers in Westland, Michigan, pay an average of $159 per month for liability-only car insurance and $254 for full coverage, Insurify data shows. But car insurance rates vary by driver, vehicle, ZIP code, insurance company, and more.
The cheapest car insurance company in Westland is Auto-Owners, with an average rate of $81 per month for state-minimum liability coverage. USAA and Chubb also have low rates compared to other insurers in the city.
The best car insurance company in Westland depends on your budget, needs, driving history, car, age, and other factors.
You can find affordable car insurance in Westland in a few different ways. Potential ways to save include getting quotes from several insurance companies, shopping around for discounts, bundling your auto policy with your home insurance or renters insurance, working with an independent insurance agent, removing comprehensive coverage, increasing your deductible, or using an insurance marketplace like Insurify to compare rates.
Drivers in Michigan must choose their own PIP medical coverage and $1 million in PPI. Coverage ranges from unlimited (only in Michigan) to $50,000 for drivers enrolled in Medicaid.
Minimum insurance requirements include $50,000 per person and $100,000 per accident in bodily injury liability coverage, as well as $10,000 in property damage liability coverage for out-of-state accidents. Policies initially default to $250,000/$500,000, but you can sign a form for the lower limits.
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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National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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