Car Insurance in St. Clair Shores, Michigan

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Sitting on Lake St. Clair, northeast of Detroit is St. Clair Shores, Michigan. The town of about 60,000 is home to many who commute every week into Detroit. Those who use a car need to have car insurance, and like the rest of Michigan, car insurance in St. Clair Shores can be costly. Luckily, car insurance prices change depending on the company. By analyzing 22 different ones from St. Clair Shores, we were able to find out who has the most affordable car insurance.

Cheapest Auto Insurance in St. Clair Shores, MI

By looking at quotes from 22 companies for a 30 year old driver, we found the average price for car insurance in St. Clair Shores was $2,895. As with many Michigan cities, the most affordable provider was MetLife. Rates at MetLife were nearly three times less than the city average. Notably absent from the top five are the nation's largest companies like State Farm and Allstate. The large, well known companies were actually some of the priciest options in St. Clair Shores. Below you can see the five cheapest auto insurers in St. Clair Shores based on our analysis.

Image displays the five cheapest auto insurers in St.Clair Shores, Michigan

When you buy car insurance, whether in St. Clair Shores, Michigan or any state, it is important to get as many quotes as possible. Just because you may have heard the name of the company before, it does not mean they have the best rates around. Below is a list of the top ten insurers for our sample 30 year old driver:


Annual Rate



Hastings Mutual






Pioneer State Mutual




Auto Owners


Auto Club Group




Grange Insurance






Car Insurance Agents and Agencies in St. Clair Shores, MI

We also collected the names and addresses of a few agencies and agents in the St. Clair Shores area. Many companies allow the whole quote process to happen online. There are also many companies who still manage operations through agents however. As we describe here though, going with an agent may not be so bad.



Gardner Insurance Agency

21731 Greater Mack Ave, St Clair Shores, MI 48080, United States

Allstate Insurance: Adam Mlynarek

27205 Harper Ave, St Clair Shores, MI 48081, United States

Tom Peck State Farm

25310 Little Mack Ave, St Clair Shores, MI 48081, United States

Sue Crowe - State Farm Insurance Agent

31800 Harper Ave, St Clair Shores, MI 48082, United States

Farmers Insurance - Talitha Perry

25817 Harper Ave, St Clair Shores, MI 48081, United States

Sal Causley State Farm

23402 Greater Mack Ave, St Clair Shores, MI 48080, United States

Serena Clarke - State Farm Insurance Agent

28800 Harper Ave Ste B, St Clair Shores, MI 48081, United States

Vince Moody - State Farm Insurance Agent

22777 Harper Ave #206, St Clair Shores, MI 48080, United States

Jeff Abraham - State Farm Insurance Agent

25118 Jefferson Ave, St Clair Shores, MI 48081, United States

Car Insurance Requirements

The majority of states have a minimum required amount of car insurance and Michigan is no exception. Michigan is also part of a smaller group of states that mandate personal injury protection insurance. Furthermore, it is the only state that mandates drivers also hold personal property insurance (PPI). Below we list all the requirements for car insurance in Michigan.

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

In Michigan, personal injury protection is unlimited. What this means is that your medical bills stemming from a car accident can be whatever price, and your PIP will cover it. If you are disabled in an accident, personal injury protection also covers your lost wages up to a certain amount until you recover. Unfortunately, these benefits makes rates more costly in St. Clair Shores and in the rest of Michigan. To help with pricing, you can coordinate your health insurance with your PIP to reduce your premium. In this case, your health insurance will cover your injuries while PIP will continue to pay for lost wages in the event of a disability. If you have Medicare or Medicaid, you will not be able to coordinate the two however.

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.