Car Insurance in Livonia, Michigan

Car Insurance in Livonia, Michigan

by updated

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?

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 considerably 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.

Content

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.

Image displays the five cheapest auto insurers in Livonia, Michigan

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
{"alignsHorizontal":["left","right"],"alignsVertical":[],"columnWidths":[],"data":[["\u003C\/p\u003E\n\n\u003Cp\u003ECompany","Annual Rate"],["\u003C\/p\u003E\n\n\u003Cp\u003EMetLife","$1,020"],["\u003C\/p\u003E\n\n\u003Cp\u003EHastings Mutual","$1,416"],["\u003C\/p\u003E\n\n\u003Cp\u003EFrankenmuth","$1,740"],["\u003C\/p\u003E\n\n\u003Cp\u003EChubb","$1,800"],["\u003C\/p\u003E\n\n\u003Cp\u003EPioneer State Mutual","$1,884"],["\u003C\/p\u003E\n\n\u003Cp\u003EMEEMIC","$1,992"],["\u003C\/p\u003E\n\n\u003Cp\u003EAuto Owners","$2,136"],["\u003C\/p\u003E\n\n\u003Cp\u003EAuto Club Group","$2,148"],["\u003C\/p\u003E\n\n\u003Cp\u003ESECURA","$2,316"],["\u003C\/p\u003E\n\n\u003Cp\u003EGrange.Insurance","$2,376"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Car insurance agents and agencies in Livonia

We also 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 to 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
{"alignsHorizontal":[],"alignsVertical":[],"columnWidths":[],"data":[["Agent\/Agency","Address"],["\u003C\/p\u003E\n\n\u003Cp\u003EShepard Insurance Agency","33305 W Seven Mile Rd, Livonia, MI 48152, United States"],["\u003C\/p\u003E\n\n\u003Cp\u003EMetro Agency Inc Insurance","32646 5 Mile Rd, Livonia, MI 48154, United States"],["\u003C\/p\u003E\n\n\u003Cp\u003EMichigan Auto Insurance Placement","17456 N Laurel Park Dr, Livonia, MI 48152, United States"],["\u003C\/p\u003E\n\n\u003Cp\u003EAllstate Insurance: Cheryl Bowker","31221 5 Mile Rd, Livonia, MI 48154, United States"],["\u003C\/p\u003E\n\n\u003Cp\u003EArlington Insurance Agency","38145 Plymouth Rd, Livonia, MI 48150, United States"],["\u003C\/p\u003E\n\n\u003Cp\u003EL.A. Insurance LIVONIA","16998 Middlebelt Rd, Livonia, MI 48154, United States"],["\u003C\/p\u003E\n\n\u003Cp\u003EAllstate Insurance: Skip Sampson","33523 W 8 Mile Rd Ste A6, Livonia, MI 48152, United States"],["\u003C\/p\u003E\n\n\u003Cp\u003EKen Wagner State Farm","11764 Newburgh Rd, Livonia, MI 48150, United States"],["\u003C\/p\u003E\n\n\u003Cp\u003EState Farm: Jared Chapman","15401 Farmington Rd #2, Livonia, MI 48154, United States"],["\u003C\/p\u003E\n\n\u003Cp\u003EMartin Wilder State Farm","13740 Merriman Rd A, Livonia, MI 48150, United States"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Car insurance requirements

Michigan 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
{"alignsHorizontal":["left","right"],"alignsVertical":[],"columnWidths":[],"data":[["\u003C\/p\u003E\n\n\u003Cp\u003EType of Coverage","Limits"],["\u003C\/p\u003E\n\n\u003Cp\u003EBodily Injury Liability (BI)","$20,000 per person\/ $40,000 per accident"],["\u003C\/p\u003E\n\n\u003Cp\u003EProperty Damage Liability (PD)","$10,000 per accident"],["\u003C\/p\u003E\n\n\u003Cp\u003EPersonal Injury Protection (PIP)","Unlimited"],["\u003C\/p\u003E\n\n\u003Cp\u003EProperty Protection Insurance (PPI)","Up to $1 million"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

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 three 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.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

Auto Insurance Basics

Find the Best Car Insurance

Best Auto Insurance by State

Other Auto Insurance Policies

Back to Top