Best Cheap Auto Insurance in Southfield, MI (2021)

The average Southfield, MI auto insurance rates are $1,481 per month. The minimum auto insurance in Southfield is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Southfield, Michigan, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Southfield, Michigan is 20/40/10
  • The most expensive auto insurance company in Southfield for teen drivers is Allstate
  • Average auto insurance rates in Southfield, MI for senior drivers are $11,801 per year

Southfield, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Southfield can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Southfield, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Southfield to other Michigan cities, including Lansing auto insurance rates, Detroit auto insurance rates, and Flint auto insurance rates to see how Southfield, Michigan auto insurance rates stack up.

Before you buy Southfield, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Southfield, Michigan auto insurance quotes.

Minimum Auto Insurance in Southfield, Michigan

Southfield, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Southfield, Michigan.

Minimum Required Auto Insurance Coverage in Southfield, 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

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Cheap Southfield, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Southfield, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Southfield, 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 $32,281 $32,281 $30,022 $30,022 $78,316 $78,316 $33,994 $33,994
Farmers $19,541 $19,541 $17,960 $17,960 $43,639 $43,639 $22,094 $22,094
GEICO $6,477 $6,477 $6,587 $6,587 $17,399 $17,399 $6,164 $6,164
Liberty Mutual $20,751 $20,751 $20,543 $20,543 $49,176 $49,176 $20,751 $20,751
Nationwide $6,094 $6,094 $5,381 $5,381 $16,516 $16,516 $6,707 $6,707
Progressive $4,220 $3,864 $3,703 $4,216 $15,320 $16,097 $4,915 $4,412
State Farm $13,190 $13,190 $12,320 $12,320 $47,323 $47,323 $15,504 $15,504
Travelers $7,464 $7,464 $6,400 $6,400 $22,645 $22,645 $8,116 $8,116
USAA $3,329 $3,123 $3,132 $2,937 $8,201 $7,713 $4,053 $3,848

Cheap Southfield, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Southfield, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Southfield, Michigan.

Annual Auto Insurance Rates for Teen Drivers in Southfield, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $78,316 $78,316
Farmers $43,639 $43,639
GEICO $17,399 $17,399
Liberty Mutual $49,176 $49,176
Nationwide $16,516 $16,516
Progressive $15,320 $16,097
State Farm $47,323 $47,323
Travelers $22,645 $22,645
USAA $8,201 $7,713

Cheap Southfield, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in Southfield, Michigan? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Southfield, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $30,022 $30,022
Farmers $17,960 $17,960
GEICO $6,587 $6,587
Liberty Mutual $20,543 $20,543
Nationwide $5,381 $5,381
Progressive $3,703 $4,216
State Farm $12,320 $12,320
Travelers $6,400 $6,400
USAA $3,132 $2,937

Cheap Southfield, Michigan Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Southfield, Michigan compared to the annual auto insurance rates with a clean record in Southfield, Michigan.

Annual Southfield, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $21,649 $28,817 $94,198 $29,949
Farmers $21,540 $27,793 $27,291 $26,610
GEICO $3,200 $6,791 $20,701 $5,936
Liberty Mutual $19,452 $23,467 $43,392 $24,909
Nationwide $7,394 $9,919 $9,026 $8,358
Progressive $5,945 $7,937 $7,120 $7,371
State Farm $13,876 $16,731 $36,715 $21,014
Travelers $7,561 $10,789 $17,326 $8,948
USAA $3,637 $4,567 $5,994 $3,969

Cheap Southfield, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Southfield, Michigan is not easy. Compare the annual rates for DUI auto insurance in Southfield, Michigan to find the best deal.

Annual Auto Insurance Rates After a DUI in Southfield, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $94,198
Farmers $27,291
GEICO $20,701
Liberty Mutual $43,392
Nationwide $9,026
Progressive $7,120
State Farm $36,715
Travelers $17,326
USAA $5,994

Cheap Southfield, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Southfield, Michigan annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Southfield, Michigan

Insurance Company Poor Fair Good
Allstate $66,768 $36,593 $27,598
Farmers $38,236 $20,316 $18,873
GEICO $11,808 $8,649 $7,014
Liberty Mutual $44,046 $25,392 $13,976
Nationwide $10,925 $8,175 $6,924
Progressive $8,257 $6,886 $6,137
State Farm $35,957 $18,085 $12,211
Travelers $11,437 $11,087 $10,945
USAA $6,837 $3,874 $2,915

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Cheap Southfield, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Southfield, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Southfield, Michigan to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Southfield, Michigan

ZIP Code Average Annual Rates
48033 $12,179
48034 $12,173
48075 $12,705
48076 $11,790

Cheap Southfield, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect Southfield, Michigan auto insurance. Find the cheapest annual Southfield, Michigan auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Southfield, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $43,653 $43,653
Farmers $25,808 $25,808
GEICO $8,944 $9,370
Liberty Mutual $26,839 $28,771
Nationwide $8,674 $8,674
Progressive $7,093 $7,093
State Farm $21,449 $22,719
Travelers $11,092 $11,221
USAA $4,489 $4,595

Cheap Southfield, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Southfield, Michigan? Check out the comparison of annual Southfield, Michigan auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Southfield, Michigan

Insurance Company Low Medium High
Allstate $42,370 $43,773 $44,816
Farmers $24,892 $25,704 $26,829
GEICO $8,558 $9,069 $9,843
Liberty Mutual $27,179 $27,743 $28,493
Nationwide $9,053 $8,534 $8,437
Progressive $6,870 $7,101 $7,309
State Farm $20,784 $22,245 $23,223
Travelers $11,055 $11,166 $11,247
USAA $4,397 $4,555 $4,674

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Best By Category: Cheapest Auto Insurance in Southfield, Michigan

Compare the cheapest auto insurance companies in Southfield, Michigan in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Southfield, Michigan

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

The Cheapest Southfield, Michigan Auto Insurance Companies

What auto insurance companies in Southfield, Michigan are the cheapest? Compare the top Southfield, Michigan auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Southfield, Michigan

Insurance Company Average Annual Rates
Allstate $43,653
Farmers $25,808
GEICO $9,157
Liberty Mutual $27,805
Nationwide $8,674
Progressive $7,093
State Farm $22,084
Travelers $11,156
USAA $4,542

What affects auto insurance rates in Southfield, Michigan?

There are a lot of reasons why auto insurance rates in Southfield, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Southfield, Michigan. Many local factors may affect your Southfield auto insurance rates.

Southfield Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Southfield, Michigan auto theft statistics, there have been 198 auto thefts in the city.

Southfield Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Southfield, Michigan commute length is 24.0 minutes according to City-Data.

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Compare Southfield, Michigan Auto Insurance Quotes

Before you buy Southfield, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Southfield, Michigan auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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