Find Cheap Auto Insurance Quotes in Your Area
Macomb Township is one of Michigan's fastest-growing cities, and one of the more affordable spots for car insurance. With a large portion of its populace commuting into Detroit, auto insurance is often a yearly shopping experience. We analyzed over 22 companies in Macomb to see which offer the most affordable rates and make the shopping process a bit easier.
The most affordable car insurance companies in Macomb Township, Michigan
Looking at quotes from 22 companies for a sample driver, we calculated the average price for car insurance in Macomb to be $2,917 per year. MetLife was the overall cheapest company in Macomb, with rates a little more than half as expensive. Smaller and more local companies like Hastings Mutual and Chubb were also good providers, based on price. The prices below were based on a 30-year-old male driver of a Toyota Camry. Factors like which car you drive are important in determining rates.
At the end of the day, it is important to get as many quotes as possible when shopping for car insurance. Your profile may be different from our driver and thus prices different, but these companies may be good places to start looking for affordable rates. Below is a list of the top ten cheapest insurers for our sample 30-year-old driver in Macomb:
|4||Pioneer State Mutual||$1,716|
|9||Auto Club Group||$2,400|
Car insurance agents and agencies in Macomb, MI
We gathered the names and addresses of a few agencies and agents in the Macomb area. While there are a handful of companies that allow the whole quote process to happen online, most still require that you buy your policy through one of their agents.
|Allstate Insurance: Lisa Halsey||16832 21 Mile Rd, Macomb, MI 48044, United States|
|Global One Insurance Agency||46844, Hayes Rd, Macomb, MI 48044, United States|
|Aaron Seitz - State Farm Insurance Agent||16392 26 Mile Rd, Macomb, MI 48042, United States|
|Allstate Insurance: Steven Fedenis||21908 23 Mile Rd, Macomb, MI 48042, United States|
|Allstate Insurance: Jeff Babisz||23123 21 Mile Rd, Macomb, MI 48042, United States|
|Allstate Insurance: Steven H. Benefield||48836 Romeo Plank Rd, Macomb, MI 48044, United States|
|Allstate Insurance: Jeffery Torrice||48952 Hayes Rd, Macomb, MI 48044, United States|
|John T. Burke Insurance Agency||16800 24 Mile Rd #8, Macomb, MI 48042, United States|
|Tom Mazzola - State Farm Insurance Agent||45150 North Ave, Macomb, MI 48042, United States|
|Brian Lane Agency/Farm Bureau Insurance||48801 Romeo Plank Rd, 105, Macomb, MI 48044, United States|
|Dan Jovanovski State Farm®||21495 21 Mile Rd, Macomb, MI 48044, United States|
|L A Insurance||47091 Van Dyke, Shelby Charter Township, MI 48317, United States|
Car insurance requirements
Great Lake Staters are required to have a minimum amount of car insurance. Michigan's requirements are a bit different from most other states since it is also part of a smaller group of states that mandate personal injury protection insurance, a group called "No-Fault" states. It is also the only state that mandates drivers also hold personal property insurance (PPI). When you get a quote in Michigan the following is the minimum amount you will need.
Type of Coverage
Bodily Injury Liability (BI)
|$20,000 per person/ $40,000 per accident|
Property Damage Liability (PD)
|$10,000 per accident|
Personal Injury Protection (PIP)
Property Protection Insurance (PPI)
|Up to $1 million|
Personal injury protection
PIP in the Wolverine State is unlimited, meaning whatever the price of your medical bills, PIP has got you covered. As well, if you are disabled in an accident, personal injury protection will pay a portion of your lost earnings for up to three years until you recover. Unlimited insurance gets expensive, however.
To help with pricing, you can coordinate your health insurance with your PIP to reduce your premium. What this means is that your health insurance will take care of your medical bills while PIP will continue to pay for lost wages in the event of a disability. Unfortunately, if you are on Medicaid or Medicare, you will not be able to coordinate the two plans.