Cheapest Auto Insurance in Warren, Michigan (2025)
Auto-Owners offers the cheapest liability coverage in the city, at $91 per month.
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The average cost of car insurance in Warren, Michigan, is $188 per month for liability coverage and $299 for full-coverage policies. These average rates are much higher than the national average of $100 per month for minimum coverage and $177 for full-coverage insurance.
Unfortunately, high car insurance rates are common in Michigan, where the overall state average is $174 per month. Your exact car insurance rates depend on many different factors, but state residents face high average rates due to severe winter weather, a high percentage of uninsured drivers, and robust state coverage requirements.[?]
Here’s what you need to know about finding the best cheap car insurance in Warren.
Quick Facts
Auto-Owners, USAA, and Chubb offer the cheapest auto coverage in Warren, on average.
The overall average cost of car insurance in Warren is $244 per month.
Michigan is a no-fault car insurance state, which means each driver involved in an accident must file a claim with their respective insurers to cover medical expenses and other losses.[?]
Cheapest car insurance companies in Warren
The best way for Michigan drivers to save money is to shop around and compare multiple auto insurance quotes. Each insurance company calculates rates in a unique way, so you won’t know which is the cheapest car insurance company for you without comparing quotes.
Below, you can start comparing quotes from three of the best insurers in the city: Auto-Owners, USAA, and State Farm. The quotes for liability and full-coverage insurance below depict average statewide costs for the insurers.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best for |
|---|---|---|---|---|
| Auto-Owners | 8.2 | $108 | $67 | Cheap rates |
| USAA | 9.1 | $109 | $68 | Military members |
| State Farm | 9.3 | $224 | $139 | Customer service |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Auto-Owners
Best insurer for military members: USAA
Best insurer for customer service: State Farm
How to get the cheapest car insurance in Warren
Each Michigan car insurance company may charge different rates depending on risk factors like your gender, ZIP code, age, and driving history. Though Warren drivers pay high average rates, you can look for ways to lower your costs.
Consider the following tactics to find cheap rates:
Compare quotes. Shop around and compare multiple car insurance quotes from different companies. Finding the company with the cheapest quotes is the best way to zero in on the overall best car insurance company for you.
Determine the right amount of coverage. Consider whether you need full coverage if you have a paid-off car. If you can afford to replace it with out-of-pocket payments, you may not need it.
Set a higher deductible. Choose the highest deductible you can afford from your current savings. The higher your deductible, the lower your average annual rate.
Utilize discounts. Make sure you take advantage of all the discounts available to you, especially for young drivers.[?]
Find Cheap Car Insurance in Warren, Michigan
Liability coverage starts at $91 per month
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Cheapest liability-only car insurance in Warren: Auto-Owners
Michigan requires drivers to purchase a minimum amount of coverage beyond liability insurance in order to drive legally in the state. You’ll need to pay for personal injury protection (PIP) and property protection (PPI) as part of a minimum-coverage policy, as well as residual liability coverage.[?]
The cheapest liability-only insurance company in Michigan is Auto-Owners, with a rate of $91 per month.
Here are the cheapest car insurance options for minimum-coverage insurance in Warren.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $91 |
| USAA | $91 |
| Chubb | $100 |
| Safeco | $151 |
| National General | $168 |
| Nationwide | $184 |
| State Farm | $188 |
| Bristol West | $191 |
| Direct Auto | $195 |
| Progressive | $213 |
| Travelers | $217 |
| Liberty Mutual | $222 |
| GEICO | $244 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Warren: Auto-Owners
If you lease your car or take out a loan to buy it, your lender will typically require you to buy full-coverage insurance.
Unlike the state’s minimum insurance requirements, full-coverage policies also include collision and comprehensive coverage to fix or replace your vehicle after an accident. Full-coverage insurance costs more because of the extra protection it provides.
Auto-Owners offers the cheapest full-coverage insurance in Michigan, at $150 per month.
The following Michigan car insurance companies offer the best rates for full-coverage insurance in Warren.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $150 |
| USAA | $151 |
| Chubb | $164 |
| Progressive | $268 |
| Safeco | $271 |
| Nationwide | $304 |
| State Farm | $310 |
| GEICO | $318 |
| Liberty Mutual | $330 |
| National General | $332 |
| Travelers | $359 |
| Bristol West | $381 |
| Direct Auto | $381 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Michigan
The state of Michigan has some of the most advantageous laws in place for car accident victims. Michigan requires insurers to reimburse people for accident-related medical bills for the rest of their life under a PIP coverage policy. This benefit increases insurance costs in the state.
In addition to lifetime PIP coverage, you also need to purchase the property damage equivalent of PIP, as well as the traditional bodily injury and property damage liabilities required in other states. These insurance requirements are higher because Michigan is a no-fault state.
Here are the state’s specific minimum-coverage requirements:[?]
Coverage | Minimum Requirements |
|---|---|
| Personal injury protection (PIP) | Lifetime coverage on medical bills and three-year wage replacement after accidents |
| Property protection (PPI) | $1 million per accident |
| Bodily injury liability | $20,000 per person / $40,000 per accident |
| Property damage liability | $10,000 for property damage in other states |
The minimum car insurance in Warren is already expensive, but you might want to consider additional coverage options for more protection.
Common optional coverages include the following:
Cheapest car insurance for drivers with an incident
Having an incident on your record can increase your car insurance rates in Warren. Incidents — which include moving violations like speeding tickets, at-fault accidents, and driving under the influence (DUI) — act as a clear signal to insurers that you pose a higher risk as a driver.
Warren drivers with a past incident pay an average of $305 per month for car insurance. The severity and frequency of your incidents influence how much your rates increase after a violation.
Here are the average liability car insurance rates for Warren residents by driving record.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| USAA | $91 | $109 | $125 | $122 |
| Auto-Owners | $91 | $110 | $123 | $122 |
| Chubb | $100 | $118 | $136 | $134 |
| Safeco | $151 | $187 | $219 | $217 |
| National General | $168 | $196 | $230 | $225 |
| State Farm | $188 | $221 | $255 | $252 |
| Nationwide | $184 | $222 | $253 | $247 |
| Bristol West | $191 | $224 | $260 | $256 |
| Direct Auto | $195 | $230 | $275 | $262 |
| Progressive | $213 | $235 | $305 | $258 |
| Travelers | $217 | $262 | $299 | $291 |
| Liberty Mutual | $222 | $263 | $306 | $298 |
| GEICO | $244 | $298 | $323 | $319 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Average cost of car insurance by age
Your age affects how much you pay for car insurance. Because teens lack the driving experience of older drivers, they typically face the highest car insurance rates. Rates generally decrease with age and experience for drivers between the ages of 35 and 69, but senior drivers older than 70 usually start to face increased rates due to aging-related risk factors.
Here are the average car insurance rates by age in Warren.
Age | Average Monthly Quote |
|---|---|
| Teens | $782 |
| 20s | $644 |
| 30s | $557 |
| 40s | $543 |
| 50s | $530 |
| 60s | $489 |
| 70s | $520 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Warren car insurance FAQs
Before you begin shopping around for car insurance, you should decide how much coverage you need. The following information should help you navigate the process of buying auto insurance in Warren.
How much is car insurance in Warren?
The overall average cost of coverage in Warren is $244 per month. Warren drivers pay an average of $188 per month for liability coverage and $299 for full-coverage insurance. How much you pay for coverage will depend on your driving record, age, and more.
Which company has the cheapest car insurance in Warren?
With a liability quote of $91 per month, Auto-Owners is the cheapest car insurance company in Warren. USAA has the second-cheapest liability coverage option, at $91 per month. Chubb is the city’s third-cheapest insurer, with a liability rate of $100 per month.
The best way to find cheap coverage is to compare quotes from multiple insurance companies at once.
What are the best car insurance companies in Warren?
State Farm is the best car insurance company in Warren, thanks to an Insurify Quality (IQ) Score of 4.4 out of 5, an A++ (Superior) financial strength rating, and solid customer satisfaction. On average, Michigan drivers pay $139 per month for liability coverage from State Farm. Other top auto insurers include Auto-Owners and USAA.
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