Compare Warren, MI Car Insurance Rates (2021)

The cheapest Warren, MI car insurance is offered by Progressive, but rates will vary by driver. Auto insurance in Warren must meet the state minimum requirements of 50/100/10 in liability, 50/250 in PIP, and $1 million in PPI coverages. Michigan car insurance rates are the highest in the U.S. so compare Warren, MI auto insurance rates online to find the best deal for you.

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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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Founder & CFP®

UPDATED: Mar 26, 2021

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Here's what you need to know...

  • Progressive offers the cheapest Warren, MI car insurance to all drivers
  • Michigan has the most expensive car insurance rates in the U.S.
  • Warren is a suburb of Detroit, MI and shares high traffic volume with the larger city

Warren, MI car insurance is among the most expensive in the U.S. This isn’t shocking, considering that Michigan car insurance is the most expensive in the country on average.

It’s critical to find affordable Warren, MI car insurance. To find the cheap car insurance that suits your needs, shop around and compare offers from different providers.

Enter your ZIP code now to compare Warren, MI car insurance quotes from multiple companies for free.

What is the cheapest car insurance company in Warren, MI?

The company with the cheapest average car insurance rates that offers coverage to all Warren drivers is Progressive. Although USAA actually has cheaper rates, it only offers coverage to the military, veterans, and their families.

The top Warren, MI car insurance companies listed from cheapest to most expensive are:

  • USAA – $4,326.02
  • Progressive – $6,741.57
  • Nationwide – $7,815.97
  • GEICO – $9,155.83
  • Travelers – $11,156.30
  • State Farm – $19,074.48
  • Liberty Mutual – $23,640.58
  • Farmers – $25,975.42
  • Allstate – $27,839.65

Your auto insurance rates are affected by a number of factors. Your rates can be calculated based on your age, driving record, and credit history. Even the Warren, MI weather can have an effect on your prices, as icy roads lead to more accidents.

Your rates can also be affected by the size of your city. Car insurance rates are higher in bigger cities with more traffic and crime. For example, despite their proximity, Detriot car insurance rates are significantly higher than those in Warren.

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What car insurance coverage is required in Warren, MI?

Most states, including Michigan, require drivers to carry at least a minimum amount of car insurance.

Warren drivers must carry at least:

  • $50,000 per person and $100,000 per incident for bodily injury liability
  • $10,000 per incident for property damage
  • $50,000 in personal injury protection (PIP) coverage for drivers in Medicaid and $250,000 for all others
  • $1 million in personal property protection (PPI)

Michigan is a no-fault state. This means that your own car insurance pays for damages and bodily injury no matter who caused the accident. That’s why drivers are required to carry PIP and PPI coverages.

What affects car insurance rates in Warren, MI?

As a Detroit suburb, Warren gets a lot of traffic, which means there’s a higher risk of getting into an accident.

INRIX doesn’t have data for Warren, but it does list Detroit, MI as the 68th most congested city in the U.S.

City-Data reports that most drivers in Warren commute about 25 minutes, but a large number of drivers commute an hour or more.

Auto theft can also drive up your car insurance rates. According to the FBI, there were 437 motor vehicle thefts in Warren, MI in one year.

Warren, MI Car Insurance: The Bottom Line

Warren car insurance rates are very expensive, and they are higher than the state and national averages.

Before you buy Warren, MI car insurance, shop around and compare rates from several companies to find the best deal.

Enter your ZIP code now to compare Warren, MI car insurance rates near you today.

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