Car Insurance in Taylor, Michigan
Near by Detroit is Taylor, Michigan. Citizens of Taylor, like many Michigan residents, use their car to get to work, which means car insurance is a mandatory monthly expense. Car insurance averages $3,514 per year for a 30 year old male seeking slightly higher than minimum coverage in Taylor. Though a bit on the expensive side, there are still great deals to be had. We took a look at numerous quotes from several companies, to see who had the lowest car insurance in Taylor.
Cheapest Auto Insurance in Taylor, MI
We used a sample of a 30 year old male driver of a 2011 Toyota Camry and obtained quotes from 22 companies in Taylor. Overall, MetLife had the best car insurance rates, costing nearly a third of the price of the city average. It was far less expensive than larger companies such as State Farm and Allstate. Below you can see a graph which shows the five most affordable car insurers in Taylor and how they compare to the city average.
The average Michigan city has a lot of companies to choose from so its important to shop around. Going with a more recognizable brand in this instance may end up costing you way more than you could be paying. The next time you are in the market for car insurance, be sure to get quotes from at least three to six companies. Below are the top 10 cheapest carriers we found for our 30 year old man in our analysis for Taylor:
| Company | Annual Rate |
|---|---|
| MetLife | $1,212 |
| Chubb | $1,944 |
| Auto Owners | $2,304 |
| Hastings Mutual | $2,328 |
| MEEMIC | $2,352 |
| Pioneer State Mutual | $2,532 |
| Frankenmuth | $2,724 |
| Grange Insurance | $2,832 |
| Hanover | $2,880 |
| Nationwide | $2,988 |
Car Insurance Agents and Agencies in Taylor
We compiled a list of some auto insurance agencies available in the Taylor area. While many companies allow you to purchase a policy via a quote online, others still require the use of an agent. As we discuss in this article, even if you are not required, going with an agent can actually end up being a good financial decision.
| Agency/Insurer | Address | Rating |
|---|---|---|
| Phil Pappas - State Farm Insurance Agent | 23626 Van Born Rd, Dearborn Heights, MI 48125, United States | 5 |
| Goodwin, Lademan and Associates, Inc. | 20352 Eureka Rd, Taylor, MI 48180, United States | 4.9 |
| CheckSmart | 7840 Telegraph Rd, Taylor, MI 48180, United States | 4.5 |
| State Farm: Ty Metzger | 22908 Wick Rd A, Taylor, MI 48180, United States | 4 |
| Nationwide Insurance: Ignazio Cuccia | 20600 Eureka Rd Ste 702, Taylor, MI 48180, United States | NA |
| Allstate | 25015 Goddard Rd, Taylor, MI 48180, United States | NA |
| Premier Insurance Agency | 21556 Ecorse Rd, Taylor, MI 48180, United States | NA |
| Farmers Insurance - Rosslyn Culp | 20500 Eureka Rd #103, Taylor, MI 48180, United States | NA |
| Sam Pelligrino State Farm | 25755 Goddard Rd, Taylor, MI 48180, United States | NA |
| Brian Manor - State Farm Insurance Agent | 24409 Eureka Rd, Taylor, MI 48180, United States | NA |
Car Insurance Requirements
Car insurance in Michigan is unique in what is required of its drivers. Michigan is one of the 12 "no-fault" states where personal injury protection (PIP) is mandated. What sets Michigan apart from those other states, is that its PIP is unlimited. Michigan also requires drivers to hold personal property insurance (PPI). These large minimums make Michigan one of the most expensive states in the country for car insurance. 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
PIP ensures that if you are injured in a car accident you will be able to pay your medical bills, no matter if you or the other driver was at-fault. There is no limit as to how much you can get from PIP in Michigan. Your medical bills can be as high as $1 million, and they would still be covered under Michigan PIP. As well, if you are injured in a car accident, and cannot work, PIP will pay for your lost salary and compensation up to 3 years. The drawbacks of unlimited PIP is that it makes rates more expensive. You have the option in Michigan to link your health insurance plan with your PIP in order to lower costs however. This way, your health plan would cover all of your injuries while PIP will cover lost wages. Unfortunately, you won't be able to link the two if your health care provider is Medicaid or Medicare.
Driving Statistics for Taylor, Michigan
We compiled some driving related statistics for motorists living in Taylor, Michigan:
| Days Above 0.01 Inches of Rain or Snow | 74 |
| Car Thefts | 254 |
| Number of Fatal Car Accidents (2011-2015) | 23 |
| Average Commute Time | 22.2 minutes |
| Percent of Pop. That Commutes by Car | 85.4% |