Car Insurance in Warren, Michigan

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.

Image displays the five cheapest auto insurers in Warren, Michigan

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:

CompanyYearly Rate
MetLife $1,092
Chubb $1,716
Hastings Mutual $1,740
Pioneer State Mutual $2,028
MEEMIC $2,076
Auto Owners $2,580
Nationwide $2,856
Frankenmuth $2,892
Auto Club Group $2,916
SECURA $3,036

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).

Agent/AgencyAddress
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 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) 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.

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