Average car insurance cost in Warren, MI

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The average car insurance cost in Warren, Michigan is $2,645 per year, according to Insure.com data. This is $293 more than the average auto insurance cost in Michigan and $750 more than the national average, as analyzed by Insure.com.

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.

The article covers information on – the cheapest car insurance providers in Warren, the average car insurance rates by age, gender and how much is car insurance in Warren based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Warren. Read on to learn more.

Cheap car insurance companies in Warren

At an average of $1,867 per year with full coverage limits of 100/300/100, Geico provides the most affordable car insurance in Warren.

Ranked as the second most affordable company in Warren, Progressive provides car insurance at $2,122 per year.

As previously noted, car insurance rates differ among companies due to variations in the factors used for calculating the rates. So, it is best to compare quotes from several insurers to secure affordable car insurance rates in Warren that align with your needs before selecting a policy.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Warren, Michigan:

Read about the best car insurance companies.

Average car insurance cost in Warren by coverage limits

In Warren, the average car insurance rates the coverage levels are as follows:

• State minimum coverage: $750 per year (limits are 25/50/25)
• Liability only coverage: $799 per year (limits are 50/100/50)
• Full coverage: $2,645 per year (limits are 100/300/100)
• Non-owners coverage: $683 per year

In most states, drivers are required to have state minimum coverage to drive legally, although these requirements vary by state. However, it’s important to note that state minimum coverage does not provide coverage for any vehicles listed on your policy in the event of an at-fault accident.

To prevent compromising on coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage if you frequently borrow or rent a car but do not own one.

Average car insurance rates by gender in Warren

The average car insurance rate for a female driver in Warren, Michigan, is $2,645 per year.

While the rate for a male driver is $2,645 per year, which is equals to what female drivers pay, according to a rate analysis by Insure.com.

Women are considered to be safer drivers than men, and statistics have proved this, according to the Insurance Information Institute. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Warren

In Warren, car insurance rates are the highest for teens, at $8,356 per year or $696 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. There are driving laws for teens to help them drive better. Also, teen insurance rates can be lowered by adding teens to a parent’s auto insurance policy.

Car insurance rates are bound to decrease as teens grow older and earn a good driving record. Young adults pay $4,850 per year for their car insurance which is $3,506 less than what the teens pay for their insurance policy.

The car insurance rates in Warren for adult and senior drivers are $2,745 and $2,710 per year respectively.

The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Car insurance rate trends in Warren

Examining the trends in car insurance rates in Warren, Michigan, there was an downward trend from 2022 to 2023. Between 2022 and 2023, rates decrease overall by 10% or $281.

The table below illustrates the trend over the three years:

Conclusion

In conclusion, the insurance rates in Warren, are higher than the average insurance cost in Michigan. Shopping around and taking advantage of available discounts, drivers in Warren can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.