Cheapest Auto Insurance in Warren, Michigan (2025)

The average cost of car insurance in Warren, Michigan, is $222 per month for liability coverage and $322 for full-coverage policies. These average rates are much higher than the national average of $103 per month for minimum coverage and $182 for full-coverage insurance.

Unfortunately, high car insurance rates are common in Michigan, where the overall state average is $178 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.1

Here’s what you need to know about finding the best cheap car insurance in Warren.

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.

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.3

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.4

The cheapest liability-only insurance company in Michigan is Auto-Owners, with a rate of $87 per month.

Here are the cheapest car insurance options for minimum-coverage insurance in Warren.

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 $147 per month.

The following Michigan car insurance companies offer the best rates for full-coverage insurance in Warren.

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:6

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 $340 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.

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.

Warren car insurance FAQs