Car Insurance in Southfield, Michigan

Car Insurance in Southfield, Michigan

By examining over 21 companies, we were able to come up with a list of Southfield's most affordable car insurers. We also list some local agencies, information on Michigan car insurance requirements and some driving statistics about Southfield.

Find Cheap Auto Insurance Quotes in Michigan

Currently insured?

Cheapest Auto Insurance in Southfield, MI

Using a sample 30 year old male driver, we got quotes from 22 companies in Southfield to see who was offering the cheapest rates for car insurance. Overall, MetLife had the best price, being about $3,000 less per year than the city average. In the graph below we display the five most affordable insurers and how they compare to the Southfield average.

The image shows the five cheapest in the home of the Spartans

The nation's largest companies such as State Farm and Allstate were actually one of the more expensive options for our driver. They didn't even rank in the top ten for affordability given our sample profile. When buying car insurance, you should never assume a certain brand has the best price. You must shop around, ideally getting prices from at least six companies if you're looking for the lowest auto insurance rates. The following table shows the top 10 cheapest companies in Southfield based on the 22 companies we examined:

Company
Annual Rate
MetLife$1,632
Hastings Mutual$1,740
Chubb$2,028
MEEMIC$2,652
Grange Insurance$2,724
Auto Owners$3,096
Pioneer State Mutual$3,264
Frankenmuth$3,384
Nationwide$3,480
{"alignsHorizontal":["left","right"],"alignsVertical":[],"columnWidths":[],"data":[["Company","Annual Rate"],["MetLife","$1,632"],["Hastings Mutual","$1,740"],["Chubb","$2,028"],["MEEMIC","$2,652"],["Grange Insurance","$2,724"],["Auto Owners","$3,096"],["Pioneer State Mutual","$3,264"],["Frankenmuth","$3,384"],["Nationwide","$3,480"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Car Insurance Agents and Agencies in Southfield, MI

We found a few local agents/agencies in Southfield. When purchasing auto insurance you may be able to do it entirely online or through an agent. Some companies however may require you use an agent. There may be a cost benefit to going with an agent however, as they can advise you on how much coverage to get. Getting the right amount of coverage prevents you from overpaying.

Agency/Insurer
Address
Google Rating
Tim Miller - State Farm Insurance Agent24300 Southfield Rd #309, Southfield, MI 48075, United States4.6
Hantz Group26200 American Dr, Southfield, MI 48034, United States3.8
Nationwide Insurance: Nationwide Sales Solutions Inc28589 Northwestern Hwy #5, Southfield, MI 48034, United StatesNA
Allstate Insurance: James Jackson17051 W 10 Mile Rd, Southfield, MI 48075, United StatesNA
L A Insurance Southfield28800 Northwestern Hwy, Southfield, MI 48034, United StatesNA
KIG Korotkin Insurance Group26877 Northwestern Hwy #400, Southfield, MI 48033, United StatesNA
Allstate Insurance: Shirley Nichols26647 Southfield Rd, Lathrup Village, MI 48076, United StatesNA
Cagwin Insurance Agency25140 Lahser Rd #282, Southfield, MI 48033, United StatesNA
Ted Brown - State Farm Insurance Agent28805 Evergreen Rd, Southfield, MI 48076, United StatesNA
Larry D. Smith - State Farm Insurance Agent17201 Twelve Mile Rd, Southfield, MI 48076, United StatesNA
{"alignsHorizontal":[],"alignsVertical":[],"columnWidths":[],"data":[["Agency\/Insurer","Address","Google Rating"],["Tim Miller - State Farm Insurance Agent","24300 Southfield Rd #309, Southfield, MI 48075, United States","4.6"],["Hantz Group","26200 American Dr, Southfield, MI 48034, United States","3.8"],["Nationwide Insurance: Nationwide Sales Solutions Inc","28589 Northwestern Hwy #5, Southfield, MI 48034, United States","NA"],["Allstate Insurance: James Jackson","17051 W 10 Mile Rd, Southfield, MI 48075, United States","NA"],["L A Insurance Southfield","28800 Northwestern Hwy, Southfield, MI 48034, United States","NA"],["KIG Korotkin Insurance Group","26877 Northwestern Hwy #400, Southfield, MI 48033, United States","NA"],["Allstate Insurance: Shirley Nichols","26647 Southfield Rd, Lathrup Village, MI 48076, United States","NA"],["Cagwin Insurance Agency","25140 Lahser Rd #282, Southfield, MI 48033, United States","NA"],["Ted Brown - State Farm Insurance Agent","28805 Evergreen Rd, Southfield, MI 48076, United States","NA"],["Larry D. Smith - State Farm Insurance Agent","17201 Twelve Mile Rd, Southfield, MI 48076, United States","NA"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Car Insurance Requirements

When you drive in Michigan, you need to carry a certain amount of insurance. One of those requirements is Personal Injury Protection (PIP). 15 states require PIP, but unlike those other states, Michigan PIP is limitless. In Michigan you also need to carry Personal Property Insurance. These requirements make Michigan one of the most expensive states for car insurance in the country. The following table outlines all of that is required by drivers living in Southfield, 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":[],"alignsVertical":[],"columnWidths":[],"data":[["Type of Coverage","Limits"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Bodily Injury Liability (BI)\" href=\"http:\/\/www.valuepenguin.com\/bodily-injury-car-insurance-coverage\"\u003EBodily Injury Liability (BI)\u003C\/a\u003E\u003C\/span\u003E","$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"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Personal Injury Protection

If you are injured in an accident, PIP will cover your medical expenses, regardless of who was at-fault in the crash. In Michigan, PIP is unlimited as well so even if your injuries become very expensive, your PIP will have you covered. If you are severely injured, and cannot work, PIP will also pay for lost wages for up to three years. The unlimited PIP does make insuring a car in Southfield quite pricey unfortunately. You can reduce your premium however by linking your health insurance plan with your PIP. Your health plan will cover all of your injuries, while PIP will cover lost wages. If your health care provider is Medicaid or Medicare however, you won't be able to link the two policies.

Driving Statistics for Southfield, Michigan

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

  • Days Above 0.01 Inches of Rain or Snow: 73
  • Average Commute Time: 25 minutes
  • Percent of Pop. That Commutes by Car: 84%

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.