Car Insurance in Macomb Township, Michigan

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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 analyze 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.

Image displays the five cheapest auto insurers in Macomb Township, Michigan

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:

RankCompanyYearly Rate
2Hastings Mutual$1,272
4Pioneer State Mutual$1,716
8Auto Owners$2,292
9Auto Club Group$2,400
10Grange Insurance$2,472

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 Halsey16832 21 Mile Rd, Macomb, MI 48044, United States
Global One Insurance Agency46844, Hayes Rd, Macomb, MI 48044, United States
Aaron Seitz - State Farm Insurance Agent16392 26 Mile Rd, Macomb, MI 48042, United States
Allstate Insurance: Steven Fedenis21908 23 Mile Rd, Macomb, MI 48042, United States
Allstate Insurance: Jeff Babisz23123 21 Mile Rd, Macomb, MI 48042, United States
Allstate Insurance: Steven H. Benefield48836 Romeo Plank Rd, Macomb, MI 48044, United States
Allstate Insurance: Jeffery Torrice48952 Hayes Rd, Macomb, MI 48044, United States
John T. Burke Insurance Agency16800 24 Mile Rd #8, Macomb, MI 48042, United States
Tom Mazzola - State Farm Insurance Agent45150 North Ave, Macomb, MI 48042, United States
Brian Lane Agency/Farm Bureau Insurance48801 Romeo Plank Rd, 105, Macomb, MI 48044, United States
Dan Jovanovski State Farm®21495 21 Mile Rd, Macomb, MI 48044, United States
L A Insurance47091 Van Dyke, Shelby Charter Township, MI 48317, United States
GCW Insurance Agency22955 21 Mile Rd, Macomb, MI 48042, United States
Signature Insurance32888 Ryan Rd, Warren, MI 48092, United States
Liberty Mutual - Sterling Heights, MI14460 Lakeside Cir Ste 110, Sterling Heights, MI 48313, United States
Farmers Insurance - Brian Bajoka16641 21 Mile Rd, Macomb, MI 48044, United States
John T. Burke Insurance Agency17713 E 14 Mile Rd, Fraser, MI 48026, United States
Tom Sokol Farm Bureau Insurance20371 Hall Rd, Macomb, MI 48044, United States
LA Insurance 23542903 Van Dyke, Sterling Heights, MI 48314, United States
Farmers Insurance: John Kozak48646 Gratiot Ave, New Baltimore, MI 48051, 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 CoverageLimits

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.

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.