Warren is the third largest city in Michigan and largest in Macomb County. Like in nearby Detroit however, Warren has fairly expensive car insurance compared to the rest of Michigan. Luckily, there are still companies in the city that offer great and cheap rates for drivers if you know where to look.
Cheapest Auto Insurance in Warren, MI
We calculated the average price for car insurance in Warren to be $3,446 per year based on quotes for a 30 year old male from 22 companies. MetLife was the cheapest, where rates were one third the cost of the Warren average - a 66% discount with some cost comparison. If you were looking for larger companies such as State Farm and Allstate, they were actually one of the more expensive insurers to buy a policy from in Warren.
At the end of the day however, it is important to get as many quotes as possible when shopping for car insurance. Pricing may differ based on your driving history and profile. Below is a more exhaustive list of the top ten cheapest insurers for our sample 30 year old driver in Warren:
|Pioneer State Mutual||$2,028|
|Auto Club Group||$2,916|
Car Insurance Agents and Agencies in Warren, MI
Below you can see a list of a few agents and insurers in the Warren area. Currently, there are only a handful of companies that allow the whole quote purchasing process to take place online. Most allow you to start a quote online but require you purchase the actual quote from an agent (whether online or in Warren).
|Signature Insurance||32888 Ryan Rd, Warren, MI 48092, United States|
|Look! Insurance||20727 Van Dyke Ave, Warren, MI 48089, United States|
|Allstate Insurance: Steve Long||29447 Hoover Rd, Warren, MI 48093, United States|
|Farmers Insurance - Youssef Sakar||5655 E 13 Mile Rd, Warren, MI 48092, United States|
|The Right Choice Insurance Agency||6900 Miller Dr, Warren, MI 48092, United States|
|Gayle Coleman State Farm||29230 Ryan Rd, Warren, MI 48092, United States|
|Randahl Agency||3456 E Twelve Mile Rd #1, Warren, MI 48092, United States|
|Farmers Insurance: Adeeb Zayto||28751 Ryan Rd, Warren, MI 48092, United States|
|Millennium Ins & Investment Group||3272 E Twelve Mile Rd #104, Warren, MI 48092, United States|
|Alex Strok - State Farm Insurance Agent||8086 E 14 Mile Rd, Warren, MI 48093, United States|
Car Insurance Requirements in Michigan
Like in every state, Michigan drivers need to carry a minimum amount. The Great Lake State is part of the 12 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). Below we list all the requirements for car insurance in 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|
Personal Injury Protection (PIP)
PIP in Michigan is unlimited unlike anywhere else. What this means is that 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 for three years up to a certain amount until you recover. These perks make PIP rather expensive in Michigan however. Drivers can lower premiums however by coordinating a health insurance plan with your PIP. When you choose to coordinate, 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.