Best Cheap Auto Insurance in Wayne, MI (2021)

The average Wayne, MI auto insurance rates are $1,112 per month. The minimum auto insurance in Wayne is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Wayne, Michigan, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The cheapest auto insurance company in Wayne is USAA
  • The average commute length in Wayne is 24.0 minutes
  • The most expensive auto insurance company in Wayne for teen drivers is Allstate

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

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

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

Minimum Auto Insurance in Wayne, Michigan

Wayne, 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 Wayne, Michigan.

Minimum Required Auto Insurance Coverage in Wayne, 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

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

Auto insurance rates in Wayne, 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 Wayne, 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 $16,936 $16,936 $15,649 $15,649 $43,546 $43,546 $17,870 $17,870
Farmers $16,159 $16,159 $14,909 $14,909 $37,382 $37,382 $18,289 $18,289
GEICO $5,401 $5,401 $5,509 $5,509 $14,394 $14,394 $5,135 $5,135
Liberty Mutual $16,195 $16,195 $16,038 $16,038 $37,686 $37,686 $16,195 $16,195
Nationwide $5,280 $5,280 $4,681 $4,681 $14,226 $14,226 $5,807 $5,807
Progressive $4,107 $3,725 $3,611 $4,148 $14,769 $15,367 $4,761 $4,192
State Farm $9,790 $9,790 $9,150 $9,150 $35,205 $35,205 $11,514 $11,514
Travelers $7,464 $7,464 $6,400 $6,400 $22,645 $22,645 $8,116 $8,116
USAA $2,874 $2,713 $2,704 $2,549 $7,011 $6,632 $3,501 $3,345

Cheap Wayne, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Wayne, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,546 $43,546
Farmers $37,382 $37,382
GEICO $14,394 $14,394
Liberty Mutual $37,686 $37,686
Nationwide $14,226 $14,226
Progressive $14,769 $15,367
State Farm $35,205 $35,205
Travelers $22,645 $22,645
USAA $7,011 $6,632

Cheap Wayne, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Wayne, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,649 $15,649
Farmers $14,909 $14,909
GEICO $5,509 $5,509
Liberty Mutual $16,038 $16,038
Nationwide $4,681 $4,681
Progressive $3,611 $4,148
State Farm $9,150 $9,150
Travelers $6,400 $6,400
USAA $2,704 $2,549

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

Annual Wayne, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,390 $15,176 $51,429 $16,007
Farmers $18,064 $23,399 $22,986 $22,289
GEICO $2,673 $5,655 $17,175 $4,936
Liberty Mutual $14,738 $18,038 $34,262 $19,077
Nationwide $6,397 $8,589 $7,789 $7,219
Progressive $5,714 $7,662 $6,867 $7,098
State Farm $10,268 $12,406 $27,372 $15,613
Travelers $7,561 $10,789 $17,326 $8,948
USAA $3,145 $3,931 $5,160 $3,429

Cheap Wayne, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Wayne, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $51,429
Farmers $22,986
GEICO $17,175
Liberty Mutual $34,262
Nationwide $7,789
Progressive $6,867
State Farm $27,372
Travelers $17,326
USAA $5,160

Cheap Wayne, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Wayne, Michigan

Insurance Company Poor Fair Good
Allstate $35,510 $19,723 $15,268
Farmers $32,086 $17,098 $15,869
GEICO $9,803 $7,189 $5,837
Liberty Mutual $34,062 $19,669 $10,855
Nationwide $9,424 $7,075 $5,996
Progressive $7,973 $6,638 $5,894
State Farm $26,675 $13,457 $9,113
Travelers $11,437 $11,087 $10,945
USAA $5,872 $3,343 $2,534

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Wayne, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Wayne, Michigan

ZIP Code Average Annual Rates
48184 $9,549

Cheap Wayne, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Wayne, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $23,500 $23,500
Farmers $21,685 $21,685
GEICO $7,434 $7,785
Liberty Mutual $20,798 $22,259
Nationwide $7,499 $7,499
Progressive $6,835 $6,835
State Farm $15,956 $16,874
Travelers $11,092 $11,221
USAA $3,871 $3,962

Cheap Wayne, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Wayne, Michigan

Insurance Company Low Medium High
Allstate $22,942 $23,550 $24,009
Farmers $20,754 $21,590 $22,710
GEICO $7,057 $7,529 $8,243
Liberty Mutual $21,031 $21,480 $22,075
Nationwide $7,821 $7,379 $7,296
Progressive $6,636 $6,841 $7,028
State Farm $15,492 $16,528 $17,224
Travelers $11,055 $11,166 $11,247
USAA $3,787 $3,927 $4,034

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Wayne, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Wayne, Michigan

Insurance Company Average Annual Rates
Allstate $23,500
Farmers $21,685
GEICO $7,610
Liberty Mutual $21,529
Nationwide $7,499
Progressive $6,835
State Farm $16,415
Travelers $11,156
USAA $3,916

What affects auto insurance rates in Wayne, Michigan?

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

Wayne Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Wayne, Michigan auto theft statistics, there have been 29 auto thefts in the city.

Wayne Commute Time

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

Wayne Traffic

How does Wayne, Michigan rank for traffic? According to Inrix Wayne, Michigan is the 864th most congested worldwide.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Wayne, Michigan Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption