Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Farmington Hills for teen drivers is USAA
  • Average car insurance rates in Farmington Hills, MI are $957/month
  • The annual number of car thefts in Farmington Hills is 42.

Average car insurance rates in Farmington Hills, Michigan are $957 a month. But with a little research you can get a great deal from the top car insurance companies in Farmington Hills, MI. Before you buy Farmington Hills, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.

It may even be helpful to compare Farmington Hills car insurance rates with Grand Rapids car insurance rates, Troy car insurance rates, or Ann Arbor car insurance rates to make sure you’re getting the best Farmington Hills, MI car insurance quotes available.

Need affordable Farmington Hills, MI car insurance? Enter your ZIP code to compare Farmington Hills car insurance quotes from multiple car insurance companies near you.

Farmington Hills, MI Minimum Car Insurance Coverage

Farmington Hills, Michigan law requires drivers carry a minimum of 20/40/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Farmington Hills, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Farmington Hills, MI Car Insurance Rates by Coverage Level

Some Farmington Hills drivers can get by with the Michigan minimum coverage of 20/40/10. Other drivers may need more. See how much your Farmington Hills, Michigan car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Farmington Hills, Michigan

Insurance Company Low Medium High
Allstate $24,661 $25,246 $25,688
Farmers $9,126 $9,426 $9,830
GEICO $7,132 $7,564 $8,214
Liberty Mutual $19,663 $20,073 $20,614
Nationwide $7,203 $6,789 $6,710
Progressive $5,776 $5,981 $6,163
State Farm $15,420 $16,399 $17,054
Travelers $7,920 $8,016 $8,086
USAA $3,689 $3,827 $3,932

Farmington Hills, MI Car Insurance Rates by Age, Gender, and Marital Status

Farmington Hills, Michigan car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Farmington Hills, MI car insurance, get quotes from multiple car insurance companies in the Farmington Hills area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Farmington Hills, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $18,280 $18,280 $16,928 $16,928 $46,311 $46,311 $19,274 $19,274
Farmers $7,233 $7,233 $6,686 $6,686 $15,752 $15,752 $8,171 $8,171
GEICO $5,321 $5,321 $5,447 $5,447 $14,708 $14,708 $5,071 $5,071
Liberty Mutual $15,097 $15,097 $14,949 $14,949 $35,324 $35,324 $15,097 $15,097
Nationwide $4,876 $4,876 $4,334 $4,334 $13,034 $13,034 $5,358 $5,358
Progressive $3,457 $3,196 $3,053 $3,418 $13,030 $13,899 $4,031 $3,706
State Farm $9,743 $9,743 $9,080 $9,080 $34,878 $34,878 $11,463 $11,463
Travelers $5,380 $5,380 $4,626 $4,626 $16,180 $16,180 $5,842 $5,842
USAA $2,753 $2,607 $2,590 $2,442 $6,927 $6,599 $3,374 $3,237

Farmington Hills, MI Car Insurance Rates for Teens

How much is Farmington Hills, Michigan car insurance for teens? Compare rates from top Farmington Hills car insurance companies below to help find the cheapest teen car insurance in Farmington Hills, MI.

Annual Car Insurance Rates for Teen Drivers in Farmington Hills, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $46,311 $46,311
Farmers $15,752 $15,752
GEICO $14,708 $14,708
Liberty Mutual $35,324 $35,324
Nationwide $13,034 $13,034
Progressive $13,030 $13,899
State Farm $34,878 $34,878
Travelers $16,180 $16,180
USAA $6,927 $6,599

Farmington Hills, MI Car Insurance Rates for Seniors

Before seniors buy Farmington Hills, Michigan car insurance, they should make sure to shop around. Some Farmington Hills, MI car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Farmington Hills, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $16,928 $16,928
Farmers $6,686 $6,686
GEICO $5,447 $5,447
Liberty Mutual $14,949 $14,949
Nationwide $4,334 $4,334
Progressive $3,053 $3,418
State Farm $9,080 $9,080
Travelers $4,626 $4,626
USAA $2,590 $2,442

Farmington Hills, MI Car Insurance Rates by Credit History

How does your credit history affect Farmington Hills, MI car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Farmington Hills, Michigan

Insurance Company Poor Fair Good
Allstate $38,211 $21,152 $16,232
Farmers $13,815 $7,564 $7,003
GEICO $9,838 $7,215 $5,857
Liberty Mutual $31,823 $18,379 $10,148
Nationwide $8,666 $6,514 $5,523
Progressive $6,889 $5,806 $5,226
State Farm $26,480 $13,354 $9,040
Travelers $8,206 $7,958 $7,858
USAA $5,714 $3,255 $2,480

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Farmington Hills, MI Car Insurance Rates by Driver History

How does a single speeding ticket affect your Farmington Hills, Michigan car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Farmington Hills.

Annual Farmington Hills, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $12,205 $16,284 $55,153 $17,151
Farmers $7,899 $10,184 $10,012 $9,746
GEICO $2,639 $5,670 $17,305 $4,933
Liberty Mutual $13,880 $16,909 $31,773 $17,904
Nationwide $5,890 $7,909 $7,163 $6,642
Progressive $5,049 $6,671 $5,978 $6,196
State Farm $10,221 $12,332 $27,111 $15,499
Travelers $5,416 $7,736 $12,473 $6,404
USAA $3,062 $3,834 $5,028 $3,340

Farmington Hills, MI Car Insurance Rates With a DUI

Even a single DUI can increase your Farmington Hills, MI car insurance rates. Compare rates below to see which Farmington Hills car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Farmington Hills, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $55,153
Farmers $10,012
GEICO $17,305
Liberty Mutual $31,773
Nationwide $7,163
Progressive $5,978
State Farm $27,111
Travelers $12,473
USAA $5,028

Farmington Hills, MI Car Insurance Rates by ZIP Code

Just like Farmington Hills car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Farmington Hills, MI car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Farmington Hills, Michigan

ZIP Code Average Annual Rates
48167 $7,262
48331 $8,494
48334 $8,351
48335 $7,910
48336 $8,050

Farmington Hills, MI Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Farmington Hills, MI car insurance rates may be. Let’s take a look at average car insurance rates from top Farmington Hills companies based on commute time.

Annual Car Insurance Rates by Commute Length in Farmington Hills, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $25,198 $25,198
Farmers $9,461 $9,461
GEICO $7,463 $7,810
Liberty Mutual $19,429 $20,804
Nationwide $6,901 $6,901
Progressive $5,974 $5,974
State Farm $15,842 $16,740
Travelers $7,961 $8,053
USAA $3,773 $3,859

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Farmington Hills, MI Cheapest Car Insurance Rates

How do the top Farmington Hills, Michigan car insurance companies’ average rates stack up against the Farmington Hills average monthly car insurance rates of $957? Take a look and see.

Best Annual Car Insurance Rates by Company in Farmington Hills, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Farmington Hills, MI Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Farmington Hills, Michigan car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Farmington Hills, Michigan

Insurance Company Average Annual Rates
Allstate $25,198
Farmers $9,461
GEICO $7,637
Liberty Mutual $20,117
Nationwide $6,901
Progressive $5,974
State Farm $16,291
Travelers $8,007
USAA $3,816

Other Factors Affecting Farmington Hills, MI Car Insurance Rates

Before you buy Farmington Hills, Michigan car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Farmington Hills, MI Car Theft Rates

The car theft rate in Farmington Hills, MI will affect your car insurance rates. FBI data shows that the annual car theft rate for Farmington Hills, Michigan is 42 stolen cars.

Farmington Hills, MI Commute Time

How does your Farmington Hills, MI commute time compare with the average driver? In Farmington Hills, the average commute is 25.5 minutes.

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Farmington Hills, MI Car Insurance Quotes

Compare Farmington Hills, MI car insurance quotes from multiple companies by entering your ZIP code now.