Not too far from Detroit is Westland, Michigan. With over 85% of the working population commuting by car to work, most residents of the city require car insurance. In Westland, as in the rest of Michigan, car insurance can be quite expensive however. Though cheaper than Detroit, Westland car insurance still averages about $3,211 per year for a 30 year old male. That is just the average however, meaning there are good deals to be found. We took a look at numerous quotes from about 20 companies in Westland to see who was offering the most affordable auto insurance.
Cheapest Auto Insurance in Westland, MI
Using 22 companies, we fetched quotes for a sample 30 year old male with a clean driving record to see which company had the overall best prices. MetLife proved to be the most affordable car insurance company, offering rates well below the city average. The graph below shows the five best car insurers and how they relate to the city average price.
Large national companies like Allstate and State Farm actually fall toward the bottom of the ranking, being one of the more expensive insurers in Westland. When it comes to buying car insurance, it is incredibly important to shop around and obtain multiple quotes. 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:
|6||Pioneer State Mutual||$2,496|
|9||Auto Club Group||$2,856|
Car Insurance Agents and Agencies in Westland
We also collected some local agencies and insurers in the Westland area. With certain companies you need to purchase a policy with an agent. Other companies can be purchased exclusively online. As we discuss here, going with an agent can be a smart financial move for the future.
|Allstate Insurance: Sara Tyranski||2012 S Wayne Rd, Westland, MI 48186, United States||4.8|
|State Farm: Wayne Harris||33018 Warren Rd, Westland, MI 48185, United States||4.8|
|Kurth Agencies Inc||28959 Joy Rd, Westland, MI 48185, United States||4.6|
|Clay Nissan State Farm||1645 S Wayne Rd, Westland, MI 48186, United States||4.2|
|State Farm: Bobby Branch||8355 N Wayne Rd, Westland, MI 48185, United States||4.2|
|Juenemann Insurance Agency||33652 Ford Rd, Westland, MI 48185, United States||NA|
|Allstate Insurance: John Drewniak||8040 N Wayne Rd, Westland, MI 48185, United States||NA|
|Anita Murray - State Farm Insurance Agent||505 N Wayne Rd, Westland, MI 48185, United States||NA|
|Bob McClellan - State Farm Insurance Agent||6211 N Wayne Rd, Westland, MI 48185, United States||NA|
|Allstate Insurance: Bradley Trombley||5836 N Wayne Rd, Westland, MI 48185, United States||NA|
Car Insurance Requirements
Michigan has a higher minimum auto insurance requirement than most states. As a no-fault state, personal injury protection (PIP) is mandatory. Unlike other no-fault states however, Michigan PIP is limitless. Drivers are also required to hold personal property insurance (PPI). These extra requirements make paying for car insurance in Michigan one of the most expensive in the country. Below you can see all the required limits by the state of 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
Personal injury protection ensures your injuries are covered in an accident, but it comes with a price. PIP is unlimited in Michigan, so your medical bills can top over $1 million, and they would still be covered. If you are disabled in an accident, PIP will also cover your lost wages up to a certain amount until you recover. Of course, these great benefits makes rates more expensive, and it's one of the reasons insurance costs so much in Westland and Michigan. As a way to help reduce your premium though, you can coordinate your health insurance plan with your PIP. Your health plan will cover all of your injuries while PIP will cover lost wages. If you are on Medicaid or Medicare however, you won't be able to coordinate.
Driving Statistics for Westland, Michigan
We compiled some driving related statistics about Westland, Michigan:
|Days Above 0.01 Inches of Rain or Snow||74|
|Average Commute Time||25 minutes|
|Percent of Pop. that Commutes by Car||88%|