Car Insurance in Livonia, Michigan
Livonia is one of the least expensive cities for car insurance in Wayne County. With an average price of $2,895 per year, drivers pay considerly less than what residents of nearby Detroit pay. Even though rates are cheaper however, there are still ways to save even more on your policy. We surveyed 22 companies operating in Livonia to see which ones have the most affordable car insurance.
Cheapest Auto Insurance in Livonia, MI
We looked at quotes for a sample 30 year old male with a clean driving record from 20+ companies to see which company had the overall cheapest yearly car insurance rates. Interestingly, some of the larger companies did not make the cut, with MetLife actually providing the most affordable rates for insuring our sample driver's car. Hastings Mutual and Frankenmuth rounded out the top three insurers.
When you buy car insurance, it is incredibly important you shop around and obtain multiple quotes if you want to save money on your coverage. Just because you may have heard the name of the company before, it does not mean they have the best auto insurance rates around. Below is a list of the top ten insurers for our sample 30 year old driver:
| Company | Annual Rate |
|---|---|
| MetLife | $1,020 |
| Hastings Mutual | $1,416 |
| Frankenmuth | $1,740 |
| Chubb | $1,800 |
| Pioneer State Mutual | $1,884 |
| MEEMIC | $1,992 |
| Auto Owners | $2,136 |
| Auto Club Group | $2,148 |
| SECURA | $2,316 |
| Grange.Insurance | $2,376 |
Car Insurance Agents and Agencies in Livonia
We also went through and collected the addresses and contact information for some agents and agencies in Livonia. While a handful of companies allow the whole purchasing process to take place online, most still require you buy a policy through one of their agents.
| Agent/Agency | Address |
|---|---|
| Shepard Insurance Agency | 33305 W Seven Mile Rd, Livonia, MI 48152, United States |
| Metro Agency Inc Insurance | 32646 5 Mile Rd, Livonia, MI 48154, United States |
| Michigan Auto Insurance Placement | 17456 N Laurel Park Dr, Livonia, MI 48152, United States |
| Allstate Insurance: Cheryl Bowker | 31221 5 Mile Rd, Livonia, MI 48154, United States |
| Arlington Insurance Agency | 38145 Plymouth Rd, Livonia, MI 48150, United States |
| L.A. Insurance LIVONIA | 16998 Middlebelt Rd, Livonia, MI 48154, United States |
| Allstate Insurance: Skip Sampson | 33523 W 8 Mile Rd Ste A6, Livonia, MI 48152, United States |
| Ken Wagner State Farm | 11764 Newburgh Rd, Livonia, MI 48150, United States |
| State Farm: Jared Chapman | 15401 Farmington Rd #2, Livonia, MI 48154, United States |
| Martin Wilder State Farm | 13740 Merriman Rd A, Livonia, MI 48150, United States |
Car Insurance Requirements
Michgian is a no-fault state, which means personal injury protection (PIP) is apart of the minimum car insurance requirements. For Michigan drivers, PIP is limitless, a stark contrast to other states where there is a limit on how much PIP you may have. Drivers are also required to hold personal property insurance (PPI). Below we list all the requirements for car insurance in Michigan.
| Type of Coverage | Limits |
|---|---|
| Bodily Injury Liability (BI) | $20,000 per person/ $40,000 per accident |
| Property Damage Liability (PD) | $10,000 per accident |
| Personal Injury Protection (PIP) | Unlimited |
| Property Protection Insurance (PPI) | Up to $1 million |
Personal Injury Protection
Since personal injury protection is unlimited in Michigan, your medical bills can be in the millions and they will still be covered. The economic loss benefit of PIP means any wages you lose due to a disability from the accident will be covered for 3 years up to a certain amount. To help residents pay for the usually hefty premium, you can coordinate your health insurance plan with your PIP. Your health insurance covers your injures while PIP will continue to pay for lost wages in the event of a disability. Note though, if you have Medicare or Medicaid, you will not be able to coordinate the two.