Car Insurance in Taylor, Michigan

Car Insurance in Taylor, Michigan

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The best rates for minimum coverage come from Auto-Owners, at $1,261 per year, while the best rates for full coverage come from Progressive, at $1,991 per year.

These rates are significantly cheaper than the city average for both kinds of coverage. Minimum coverage costs $3,443 annually and full coverage costs $5,633 annually. Insurers calculate rates differently, so we recommend shopping around to make sure you’re getting a solid deal.

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Taylor drivers can save up to $13,723 on full coverage if they shop around. Allstate, the most expensive insurer, charges $15,714 per year, almost eight times as much as Progressive, the cheapest insurer.

Cheapest auto insurance in Taylor: Auto-Owners

Our analysis found that Auto-Owners offers the cheapest minimum-coverage insurance for most drivers in Taylor. At $1,261 per year, Auto-Owners’ rates are 63% cheaper than the city average.

Taylor drivers should get a quote from Progressive as well. A minimum-coverage policy from Progressive costs $1,296 per year — just $35 more per year, or about $3 more per month, than Auto-Owners.

However, if you or a qualifying family member have served in the armed forces, USAA will likely have the best rates. At just $667 per year for minimum coverage, USAA is 47% cheaper than Auto-Owners and 81% cheaper than the Taylor city average.

Cheapest car insurance companies in Taylor, Michigan.

Compare Car Insurance Rates in Taylor, Michigan

Currently insured?
Rank
Company
Annual rate
1Auto-Owners$1,261
2Progressive$1,296
3Frankenmuth Insurance$1,630
4State Farm$2,551
5Hanover$3,461
6AAA$6,061
7Allstate$10,616
N/A*USAA$667

*USAA is only available to current and former military members and their families.

Cheapest full-coverage car insurance in Taylor: Progressive

Taylor drivers who purchase a full-coverage policy from Progressive can save $3,642 per year. The average cost of a full-coverage policy is $5,633, but Progressive policyholders pay only $1,991.

Progressive’s rates are significantly cheaper than competitors’. Auto-Owners, the second-most affordable insurer, charges $774 more per year than Progressive.

Rank
Company
Annual rate
1Progressive$1,991
2Auto-Owners$2,765
3Frankenmuth$3,320
4State Farm$3,861
5Hanover$7,157
6AAA$8,564
7Allstate$15,714
N/A*USAA$1,690

*USAA is only available to current and former military members and their families.

Full coverage means that a policy includes collision and comprehensive coverages, as well as the state-mandated coverages.

  • Collision coverage: covers any damages that result from a collision with another car or stationary object, no matter who caused the crash.
  • Comprehensive coverage: covers non-collision damage to your car that results from things like hail or vandalism.
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Cheapest car insurance for drivers with prior incidents

Most of the time, drivers who have caused an accident, received a speeding ticket or been cited for driving under the influence (DUI) pay higher rates. This is because incidents in your driving history indicate that you’re a high-risk driver more likely to make a claim.

We recommend the following insurers for Taylor drivers who have:

Cheapest car insurance in Taylor after an accident: Progressive

Average rates in Taylor jump by 57% after an at-fault accident, from $5,633 per year to $8,851 per year.

Drivers can keep their rates down by taking out a policy from Progressive, which charges $2,600 annually — 71% less than the city average.
Rank
Company
Annual rate
1Progressive$2,600
2Auto-Owners$3,199
3Frankenmuth$4,396
4State Farm$4,635
5Hanover$11,916
6AAA$18,762
7Allstate$22,944
N/A*USAA$2,359

*USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with a speeding ticket: Progressive

If you’re a Taylor driver, a speeding ticket causes your rates to go up by 39%, on average.

Progressive offers the most affordable rates for Taylor drivers with a speeding ticket. Rates average $2,520 per year for a full-coverage policy, making it $5,311 cheaper than the city average.

Rank
Company
Annual rate
1Progressive$2,520
2Auto-Owners$3,199
3Frankenmuth$3,682
4State Farm$5,022
5Hanover$10,127
6Allstate$17,201
7AAA$18,762
N/A*USAA$2,136

*USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with a DUI: Progressive

Because driving under the influence endangers your life and those around you on the road, insurers take a DUI citation quite seriously. Rates in Taylor increase by 254% after a DUI, from an annual average of $5,633 to $19,944.

However, Taylor drivers may be able to avoid this massive spike by getting full coverage from Progressive. The company charges just $2,362 for full coverage. That’s 88% less than the city average.

Rank
Company
Annual rate
1Progressive$2,362
2Auto-Owners$6,487
3State Farm$10,053
4Hanover$14,095
5Frankenmuth$15,244
6AAA$32,126
7Allstate$76,188
N/A*USAA$2,993

*USAA is only available to current and former military members and their families.

Cheapest car insurance for young drivers: Auto-Owners

Young drivers have less experience on the roads than older drivers, which makes them less likely to engage in risky behaviors and more likely to make a claim. Accordingly, they generally pay higher rates. We found that an 18-year-old driver in Taylor pays $13,220 per year — $7,587 more than our sample 30-year-old driver.

Young drivers can find coverage that’s much cheaper than average from Auto-Owners. A full-coverage policy for an 18-year-old driver with a clean record costs $5,834 per year — 56% less than the city average.

ValuePenguin found that sharing a policy with a parent can cut teen drivers’ rates in half, so we recommend staying on your parents’ policy if you can. Asking your insurer about discounts for teen drivers can also help offset the high cost of auto insurance.

Rank
Company
Annual rate
1Auto-Owners$5,834
2Progressive$9,208
3Frankenmuth$9,648
4State Farm$10,362
5AAA$14,798
6Hanover$18,423
7Allstate$33,940
N/A*USAA$3,547

*USAA is only available to current and former military members and their families.

Best auto insurance companies in Taylor, Michigan

Reliable support after an accident matters just as much as affordable rates. After all, you’re paying your insurer to provide services when you need them. Our national survey of policyholders found that, of the top insurers in Taylor, Auto-Owners, USAA and State Farm have some of the best-rated customer service.

Auto-Owners had particularly high ratings in our survey: 100% of respondents said they were "extremely satisfied" with their most recent claims experience.

To learn more about the customer service reputations of these auto insurers, read our review of Michigan car insurance.

How do car insurance costs in Taylor compare to other cities in Michigan?

Michigan is the most expensive state for car insurance in the country, but rates vary significantly by city. Compared to 14 other Michigan cities analyzed, Taylor had the seventh-highest full-coverage rates, putting it right in the middle.

Rank
City
Annual cost
1Detroit$14,283
2Dearborn$13,110
3Hamtramck$9,464
4Warren$6,657
5Southfield$6,294
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Auto theft statistics in Taylor

Taylor experiences a relatively high auto theft rate, given its size. For every 1,000 residents, approximately 2.4 cars are stolen, according to our analysis of FBI data.

Theft rank
City
Population
Motor vehicle theft
Motor vehicle theft per 1,000 people
1Detroit663,5026,88610.4
2Kalamazoo76,8273294.3
3Southfield73,3352523.4
4Lansing118,9533673.1
5Dearborn93,9022662.8
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Motor vehicle theft data was pulled from the FBI 2019 Michigan crime report.

Methodology

Unless otherwise noted, our sample driver for this study was a 30-year-old man. He drives a 2015 Honda Civic EX that he owns. For a full-coverage policy, we gave him the following coverage limits:

Coverage
State minimum
Full coverage
Property protectionup to $1,000,000up to $1,000,000
Residual bodily injury and property damage liability (BI/PD)$50,000 per injury, $100,000 per accident$50,000 per injury, $100,000 per accident
Personal injury protection (PIP)$250,000 for people with qualified health coverage$250,000 for people with qualified health coverage
Collision coverageIncluded/$500 deductible
Comprehensive coverageIncluded/$500 deductible

Rate data for this study came from Quadrant Information Services. These rates were publicly sourced from insurer filings. They should be used solely for comparative purposes, as your own rates will likely differ.

Source:

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.