Car Insurance in Taylor, Michigan
Car Insurance in Taylor, Michigan
Find Cheap Auto Insurance Quotes in Taylor
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.
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.
Compare Car Insurance Rates in Taylor, Michigan
Rank | Company | Annual rate |
|---|---|---|
| 1 | Auto-Owners | $1,261 |
| 2 | Progressive | $1,296 |
| 3 | Frankenmuth Insurance | $1,630 |
| 4 | State Farm | $2,551 |
| 5 | Hanover | $3,461 |
| 6 | AAA | $6,061 |
| 7 | Allstate | $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 |
|---|---|---|
| 1 | Progressive | $1,991 |
| 2 | Auto-Owners | $2,765 |
| 3 | Frankenmuth | $3,320 |
| 4 | State Farm | $3,861 |
| 5 | Hanover | $7,157 |
| 6 | AAA | $8,564 |
| 7 | Allstate | $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.
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.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Progressive | $2,600 |
| 2 | Auto-Owners | $3,199 |
| 3 | Frankenmuth | $4,396 |
| 4 | State Farm | $4,635 |
| 5 | Hanover | $11,916 |
| 6 | AAA | $18,762 |
| 7 | Allstate | $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 |
|---|---|---|
| 1 | Progressive | $2,520 |
| 2 | Auto-Owners | $3,199 |
| 3 | Frankenmuth | $3,682 |
| 4 | State Farm | $5,022 |
| 5 | Hanover | $10,127 |
| 6 | Allstate | $17,201 |
| 7 | AAA | $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 |
|---|---|---|
| 1 | Progressive | $2,362 |
| 2 | Auto-Owners | $6,487 |
| 3 | State Farm | $10,053 |
| 4 | Hanover | $14,095 |
| 5 | Frankenmuth | $15,244 |
| 6 | AAA | $32,126 |
| 7 | Allstate | $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 |
|---|---|---|
| 1 | Auto-Owners | $5,834 |
| 2 | Progressive | $9,208 |
| 3 | Frankenmuth | $9,648 |
| 4 | State Farm | $10,362 |
| 5 | AAA | $14,798 |
| 6 | Hanover | $18,423 |
| 7 | Allstate | $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 |
|---|---|---|
| 1 | Detroit | $14,283 |
| 2 | Dearborn | $13,110 |
| 3 | Hamtramck | $9,464 |
| 4 | Warren | $6,657 |
| 5 | Southfield | $6,294 |
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 |
|---|---|---|---|---|
| 1 | Detroit | 663,502 | 6,886 | 10.4 |
| 2 | Kalamazoo | 76,827 | 329 | 4.3 |
| 3 | Southfield | 73,335 | 252 | 3.4 |
| 4 | Lansing | 118,953 | 367 | 3.1 |
| 5 | Dearborn | 93,902 | 266 | 2.8 |
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 protection | up to $1,000,000 | up 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 coverage | — | Included/$500 deductible |
| Comprehensive coverage | — | Included/$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.
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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.