Car Insurance in Royal Oak, Michigan

Find Cheap Auto Insurance Quotes in Your Area

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Located outside of Detroit is Royal Oak, Michigan. Drivers living in this city of nearly 60,000, like the rest of Michigan, tend to see higher car insurance costs than average. Though prices are generally cheaper here compared to other towns in Michigan, there are still great deals to be had. We took a look at multiple quotes to tell you which are offering the best auto insurance rates in Royal Oak.

Cheapest Auto Insurance in Royal Oak, MI

To find the cheapest insurers in Royal Oak, we used a sample of a 30 year old male driver of a 2011 Toyota Camry and obtained quotes from 22 companies. Overall we found MetLife to provide the lowest car insurance rates in Royal Oak - nearly one third of the city average. The graph below shows the five best car insurers and how they relate to the average cost for our sample driver.

This graph shows which auto insurance companies in Royal Oak had the most affordable rates for the driver we profiled.

Surprisingly, we found that some of the larger companies like State Farm and Allstate were much more expensive in Royal Oak than the smaller companies above. When it comes to auto insurance, it is important to shop around and never assume a big company will offer the best price around. The table below shows the top 10 cheapest companies in Royal Oak based on what we studied:


Annual Rate





Hastings Mutual


Pioneer State Mutual




Auto Club Group


Auto Owners






Car Insurance Agents and Agencies in Royal Oak, MI

The table below lists a few auto insurance agents and agencies in the Royal Oak area. When buying car insurance some companies do not require purchase through an agent, while others are only available through independent agents. Going with an agent can be a smart financial move for the future, as they can help you get multiple quotes simultaneously.


AgentAddressPhone Number

Motor City Underwriters Inc

32743 Woodward Ave(248) 549-4300

Atlas Insurance Agency

520 E 4th St(248) 545-7500

Allstate Insurance

Eric Carl816 E 4th St(248) 584-0202

Scott Behn3403 Rochester Rd S(248) 589-0770

James Cunningham605 W Eleven Mile Rd(248) 398-1393

State Farm

Michael Lantzy1103 N Campbell Rd(248) 291-6504

Curt Lake407 N Main St(248) 542-7039

Georgia Butler724 W Eleven Mile Rd(248) 542-5810

Jordan Tracy1723 W 14 Mile Rd(248) 268-4148

Farmers InsuranceMelissa Dunahay626 E 4th St #4(248) 891-7232

Car Insurance Requirements

Michigan car insurance is one of the most unique in the country. As a no-fault state, Michigan makes Personal Injury Protection (PIP) mandatory, but unlike in any other state, it is limitless. Also unlike any other state, Michigan requires drivers to hold Personal Property Insurance. These requirements make Michigan one of the most expensive states for car insurance in the country. The table below details everything you are required to carry living in Royal Oak.

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 is mandatory in Michigan, and that is both good and bad. It is good because PIP ensures if you are injured in a car accident, you will be able to pay your medical bills, regardless of who was at-fault. In Michigan, PIP is unlimited so your medical bills can be as high as $1 million, and they would still be covered. PIP will also pay for any lost wages due to injury for up to three years in Michigan. The downside to mandatory limitless PIP is that it makes rates in the state notoriously higher than average. To reduce your premium however, you may coordinate your health insurance plan with your PIP. If you choose to do so, your health plan will cover all of your injuries while PIP will cover lost wages. Unfortunately, if you are on Medicaid or Medicare, you won't be able to coordinate.

Driving Statistics for Royal Oak, Michigan

We compiled some driving related statistics relevant to drivers living in Royal Oak, Michigan:

Days Above 0.01 Inches of Rain or Snow73

Car Thefts

394 (Southfield)

Number of Fatal Car Accidents (2011-2015)


Average Commute Time

24.1 minutes

Percent of Pop. That Commutes by Car


Comments and Questions

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