Best Cheap Auto Insurance in Warren, MI (2021)

The average Warren, MI auto insurance rates are $1,257 per month. The minimum auto insurance in Warren is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Warren, 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: Jul 16, 2021

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Things to Remember

  • The minimum auto insurance required in Warren, Michigan is 20/40/10
  • Average auto insurance rates in Warren, MI for senior drivers are $9,966 per year
  • The most expensive auto insurance company in Warren for teen drivers is Allstate

Warren, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Warren 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 Warren, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Warren to other Michigan cities, including Lansing auto insurance rates, Sterling Heights auto insurance rates, and Detroit auto insurance rates to see how Warren, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Warren, Michigan

Warren, 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 Warren, Michigan.

Minimum Required Auto Insurance Coverage in Warren, 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

Michigan is a no-fault state and previously required drivers to carry an unlimited level of personal injury protection (PIP).

However, the state laws shifted in the summer of 2020. Michigan residents can now waive PIP or choose less coverage, leading to much more affordable rates.

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

Auto insurance rates in Warren, 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 Warren, 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 $20,254 $20,254 $18,792 $18,792 $50,962 $50,962 $21,350 $21,350
Farmers $19,758 $19,758 $18,215 $18,215 $43,533 $43,533 $22,396 $22,396
GEICO $6,492 $6,492 $6,624 $6,624 $17,335 $17,335 $6,173 $6,173
Liberty Mutual $17,713 $17,713 $17,539 $17,539 $41,597 $41,597 $17,713 $17,713
Nationwide $5,517 $5,517 $4,891 $4,891 $14,792 $14,792 $6,064 $6,064
Progressive $3,987 $3,660 $3,505 $3,973 $14,587 $15,382 $4,644 $4,194
State Farm $11,348 $11,348 $10,612 $10,612 $40,985 $40,985 $13,354 $13,354
Travelers $7,464 $7,464 $6,400 $6,400 $22,645 $22,645 $8,116 $8,116
USAA $3,163 $2,966 $2,978 $2,789 $7,838 $7,374 $3,849 $3,651

Cheap Warren, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Warren, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $50,962 $50,962
Farmers $43,533 $43,533
GEICO $17,335 $17,335
Liberty Mutual $41,597 $41,597
Nationwide $14,792 $14,792
Progressive $14,587 $15,382
State Farm $40,985 $40,985
Travelers $22,645 $22,645
USAA $7,838 $7,374

Cheap Warren, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Warren, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $18,792 $18,792
Farmers $18,215 $18,215
GEICO $6,624 $6,624
Liberty Mutual $17,539 $17,539
Nationwide $4,891 $4,891
Progressive $3,505 $3,973
State Farm $10,612 $10,612
Travelers $6,400 $6,400
USAA $2,978 $2,789

Cheap Warren, 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 Warren, Michigan compared to the annual auto insurance rates with a clean record in Warren, Michigan.

Annual Warren, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $13,434 $17,970 $61,042 $18,912
Farmers $21,617 $27,962 $27,466 $26,857
GEICO $3,184 $6,789 $20,730 $5,921
Liberty Mutual $16,357 $19,885 $37,253 $21,068
Nationwide $6,661 $8,958 $8,122 $7,523
Progressive $5,663 $7,539 $6,763 $7,002
State Farm $11,907 $14,400 $31,852 $18,140
Travelers $7,561 $10,789 $17,326 $8,948
USAA $3,466 $4,353 $5,704 $3,781

Cheap Warren, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Warren, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $61,042
Farmers $27,466
GEICO $20,730
Liberty Mutual $37,253
Nationwide $8,122
Progressive $6,763
State Farm $31,852
Travelers $17,326
USAA $5,704

Cheap Warren, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Warren, Michigan

Insurance Company Poor Fair Good
Allstate $42,216 $23,381 $17,922
Farmers $38,685 $20,362 $18,880
GEICO $11,806 $8,648 $7,013
Liberty Mutual $37,423 $21,595 $11,904
Nationwide $9,841 $7,369 $6,238
Progressive $7,830 $6,547 $5,848
State Farm $31,030 $15,628 $10,566
Travelers $11,437 $11,087 $10,945
USAA $6,502 $3,693 $2,784

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Cheap Warren, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Warren, Michigan

ZIP Code Average Annual Rates
48088 $9,010
48089 $12,514
48091 $11,823
48092 $10,201
48093 $9,856

Cheap Warren, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Warren, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $27,840 $27,840
Farmers $25,975 $25,975
GEICO $8,945 $9,367
Liberty Mutual $22,829 $24,452
Nationwide $7,816 $7,816
Progressive $6,742 $6,742
State Farm $18,536 $19,613
Travelers $11,092 $11,221
USAA $4,276 $4,376

Cheap Warren, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Warren, Michigan

Insurance Company Low Medium High
Allstate $27,064 $27,909 $28,546
Farmers $25,270 $25,902 $26,754
GEICO $8,567 $9,069 $9,832
Liberty Mutual $23,100 $23,588 $24,234
Nationwide $8,168 $7,687 $7,592
Progressive $6,524 $6,749 $6,952
State Farm $17,986 $19,209 $20,028
Travelers $11,055 $11,166 $11,247
USAA $4,190 $4,338 $4,450

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Best By Category: Cheapest Auto Insurance in Warren, Michigan

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

Best Annual Auto Insurance Rates by Company in Warren, 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 Warren, Michigan Auto Insurance Companies

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

The cheapest Warren, MI auto insurance company is USAA. However, only military personnel are eligible to purchase policies from this provider.

Progressive offers the next cheapest Warren, MI auto insurance rates and is available to everyone.

Average Annual Auto Insurance Rates by Company in Warren, Michigan

Insurance Company Average Annual Rates
Allstate $27,840
Farmers $25,975
GEICO $9,156
Liberty Mutual $23,641
Nationwide $7,816
Progressive $6,742
State Farm $19,074
Travelers $11,156
USAA $4,326

As you can see, not every provider offers affordable Warren, MI auto insurance costs.

To truly secure cheap auto insurance in your city, compare rates from multiple providers online before signing any contracts.

What affects auto insurance rates in Warren, Michigan?

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

Warren Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Warren, Michigan auto theft statistics, there have been 539 auto thefts in the city.

Warren Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Warren, Michigan commute length is 25.4 minutes according to City-Data.

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Compare Warren, Michigan Auto Insurance Quotes

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