Compare Madison Heights, MI Car Insurance Rates (2021)

Car insurance in Madison Heights, MI averages $1,040 a month. Madison Heights, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Madison Heights car insurance rates, compare quotes from the top car insurance companies in Madison Heights, MI.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Madison Heights is USAA
  • Average car insurance rates in Madison Heights, MI are $12,476/year
  • Average car insurance rates in Madison Heights, MI after a DUI are $20,196/year

If you need to buy Madison Heights, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Madison Heights, MI is right here.

You’ll find Madison Heights car insurance rates, the cheapest Madison Heights, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Madison Heights, Michigan car insurance rates to Detroit car insurance rates, Lansing car insurance rates, and Troy car insurance rates.

Ready to find affordable Madison Heights, MI car insurance today? Enter your ZIP code for fast, free Madison Heights car insurance quotes.

Cheapest Madison Heights, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Madison Heights, MI car insurance rates? Every Madison Heights, Michigan car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Madison Heights, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $18,013 $18,013 $16,699 $16,699 $45,689 $45,689 $18,993 $18,993
Farmers $13,287 $13,287 $12,262 $12,262 $30,200 $30,200 $15,055 $15,055
GEICO $5,902 $5,902 $6,039 $6,039 $16,060 $16,060 $5,616 $5,616
Liberty Mutual $15,429 $15,429 $15,277 $15,277 $36,112 $36,112 $15,429 $15,429
Nationwide $5,295 $5,295 $4,709 $4,709 $13,953 $13,953 $5,808 $5,808
Progressive $3,539 $3,250 $3,123 $3,530 $13,021 $13,754 $4,116 $3,722
State Farm $9,015 $9,015 $8,404 $8,404 $32,255 $32,255 $10,605 $10,605
Travelers $5,380 $5,380 $4,626 $4,626 $16,180 $16,180 $5,842 $5,842
USAA $3,079 $2,899 $2,897 $2,721 $7,699 $7,284 $3,762 $3,588

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Minimum Car Insurance in Madison Heights, MI

Every driver must carry the minimum car insurance in Madison Heights, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage in Madison Heights, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Madison Heights, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Madison Heights, MI. Compare credit history car insurance rates in Madison Heights from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Madison Heights, Michigan

Insurance Company Poor Fair Good
Allstate $37,598 $20,876 $16,071
Farmers $26,154 $13,974 $12,976
GEICO $10,832 $7,939 $6,441
Liberty Mutual $32,534 $18,785 $10,367
Nationwide $9,381 $7,012 $5,931
Progressive $6,957 $5,837 $5,227
State Farm $24,482 $12,356 $8,371
Travelers $8,206 $7,958 $7,858
USAA $6,371 $3,617 $2,736

Cheapest Madison Heights, MI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Madison Heights, MI to rates for a clean record with top companies.

Annual Madison Heights, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,951 $15,989 $54,590 $16,864
Farmers $14,733 $19,081 $18,733 $18,257
GEICO $2,905 $6,236 $19,049 $5,426
Liberty Mutual $14,180 $17,281 $32,486 $18,299
Nationwide $6,337 $8,540 $7,730 $7,158
Progressive $5,058 $6,714 $6,024 $6,232
State Farm $9,454 $11,407 $25,081 $14,337
Travelers $5,416 $7,736 $12,473 $6,404
USAA $3,398 $4,265 $5,594 $3,708

Cheapest Madison Heights, MI Car Insurance for Teen Drivers

Teen car insurance in Madison Heights, MI can be expensive. Take a look at rates from the top car insurance companies in Madison Heights for teenagers.

Annual Car Insurance Rates for Teen Drivers in Madison Heights, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $45,689 $45,689
Farmers $30,200 $30,200
GEICO $16,060 $16,060
Liberty Mutual $36,112 $36,112
Nationwide $13,953 $13,953
Progressive $13,021 $13,754
State Farm $32,255 $32,255
Travelers $16,180 $16,180
USAA $7,699 $7,284

Cheapest Madison Heights, MI Car Insurance for Seniors

Take a look at Madison Heights, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Madison Heights, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $16,699 $16,699
Farmers $12,262 $12,262
GEICO $6,039 $6,039
Liberty Mutual $15,277 $15,277
Nationwide $4,709 $4,709
Progressive $3,123 $3,530
State Farm $8,404 $8,404
Travelers $4,626 $4,626
USAA $2,897 $2,721

Cheapest Madison Heights, MI Car Insurance Rates After a DUI

A DUI in Madison Heights, MI increases car insurance rates. Compare Madison Heights, Michigan DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Madison Heights, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $54,590
Farmers $18,733
GEICO $19,049
Liberty Mutual $32,486
Nationwide $7,730
Progressive $6,024
State Farm $25,081
Travelers $12,473
USAA $5,594

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Cheapest Madison Heights, MI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Madison Heights, MI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Madison Heights, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $24,848 $24,848
Farmers $17,701 $17,701
GEICO $8,212 $8,596
Liberty Mutual $19,859 $21,265
Nationwide $7,441 $7,441
Progressive $6,007 $6,007
State Farm $14,656 $15,483
Travelers $7,961 $8,053
USAA $4,192 $4,290

The Best Cheap Car Insurance Companies in Madison Heights, MI

Take a look at a side-by-side comparison of the top car insurance companies in Madison Heights, MI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Madison Heights, Michigan

Insurance Company Average Annual Rates
Allstate $24,848
Farmers $17,701
GEICO $8,404
Liberty Mutual $20,562
Nationwide $7,441
Progressive $6,007
State Farm $15,070
Travelers $8,007
USAA $4,241

Category Winners: Cheapest Car Insurance in Madison Heights, Michigan

Find the cheapest car insurance companies in Madison Heights, MI for each category right here.

Best Annual Car Insurance Rates by Company in Madison Heights, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Cheapest Madison Heights, MI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Madison Heights car insurance rates. Find the cheapest Madison Heights, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Madison Heights, Michigan

Insurance Company Low Medium High
Allstate $24,144 $24,911 $25,490
Farmers $17,112 $17,644 $18,347
GEICO $7,837 $8,321 $9,055
Liberty Mutual $20,104 $20,517 $21,064
Nationwide $7,768 $7,322 $7,234
Progressive $5,810 $6,015 $6,196
State Farm $14,267 $15,169 $15,773
Travelers $7,920 $8,016 $8,086
USAA $4,106 $4,253 $4,365

What affects car insurance rates in Madison Heights, Michigan?

What factors can have an impact on Madison Heights, MI car insurance? There are several reasons why Madison Heights car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Madison Heights, Michigan.

Car Theft in Madison Heights

High levels of vehicle theft can make car insurance more expensive. Madison Heights, MI car theft statistics from the FBI indicate 35 vehicle thefts a year.

Commute Time in Madison Heights

The more time you spend in your car the higher the risk of an accident. The average commute length in Madison Heights, MI is 24.3 minutes according to City-Data.

Compare Car Insurance Quotes in Madison Heights, MI

Ready to find affordable Madison Heights, Michigan car insurance today? Enter your ZIP code for fast, free Madison Heights, MI car insurance quotes.

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