A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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: Jun 7, 2022

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Just What's Essential

  • Average car insurance rates in Warren, MI are $1,257/month
  • The cheapest car insurance company in Warren after a DUI is USAA
  • The annual number of car thefts in Warren is 539.

Average car insurance rates in Warren, Michigan are $1,257 a month. But with a little research you can get a great deal from the top car insurance companies in Warren, MI. Before you buy Warren, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.

It may even be helpful to compare Warren car insurance rates with Grand Rapids car insurance rates, Lansing car insurance rates, or Flint car insurance rates to make sure you’re getting the best Warren, MI car insurance quotes available.

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

Warren, MI Minimum Car Insurance Coverage

Warren, 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 Warren, 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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Warren, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Warren, Michigan

Insurance Company Low Medium High
Allstate $27,064 $27,909 $28,546
Farmers $25,270 $25,902 $26,754
GEICO $8,567 $9,069 $9,832
Liberty Mutual $23,100 $23,588 $24,234
Nationwide $8,168 $7,687 $7,592
Progressive $6,524 $6,749 $6,952
State Farm $17,986 $19,209 $20,028
Travelers $11,055 $11,166 $11,247
USAA $4,190 $4,338 $4,450

Warren, MI Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Warren, 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 $20,254 $20,254 $18,792 $18,792 $50,962 $50,962 $21,350 $21,350
Farmers $19,758 $19,758 $18,215 $18,215 $43,533 $43,533 $22,396 $22,396
GEICO $6,492 $6,492 $6,624 $6,624 $17,335 $17,335 $6,173 $6,173
Liberty Mutual $17,713 $17,713 $17,539 $17,539 $41,597 $41,597 $17,713 $17,713
Nationwide $5,517 $5,517 $4,891 $4,891 $14,792 $14,792 $6,064 $6,064
Progressive $3,987 $3,660 $3,505 $3,973 $14,587 $15,382 $4,644 $4,194
State Farm $11,348 $11,348 $10,612 $10,612 $40,985 $40,985 $13,354 $13,354
Travelers $7,464 $7,464 $6,400 $6,400 $22,645 $22,645 $8,116 $8,116
USAA $3,163 $2,966 $2,978 $2,789 $7,838 $7,374 $3,849 $3,651

Warren, MI Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Warren, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $50,962 $50,962
Farmers $43,533 $43,533
GEICO $17,335 $17,335
Liberty Mutual $41,597 $41,597
Nationwide $14,792 $14,792
Progressive $14,587 $15,382
State Farm $40,985 $40,985
Travelers $22,645 $22,645
USAA $7,838 $7,374

Warren, MI Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Warren, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $18,792 $18,792
Farmers $18,215 $18,215
GEICO $6,624 $6,624
Liberty Mutual $17,539 $17,539
Nationwide $4,891 $4,891
Progressive $3,505 $3,973
State Farm $10,612 $10,612
Travelers $6,400 $6,400
USAA $2,978 $2,789

Warren, MI Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Warren, Michigan

Insurance Company Poor Fair Good
Allstate $42,216 $23,381 $17,922
Farmers $38,685 $20,362 $18,880
GEICO $11,806 $8,648 $7,013
Liberty Mutual $37,423 $21,595 $11,904
Nationwide $9,841 $7,369 $6,238
Progressive $7,830 $6,547 $5,848
State Farm $31,030 $15,628 $10,566
Travelers $11,437 $11,087 $10,945
USAA $6,502 $3,693 $2,784

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Warren, MI Car Insurance Rates by Driver History

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

Annual Warren, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $13,434 $17,970 $61,042 $18,912
Farmers $21,617 $27,962 $27,466 $26,857
GEICO $3,184 $6,789 $20,730 $5,921
Liberty Mutual $16,357 $19,885 $37,253 $21,068
Nationwide $6,661 $8,958 $8,122 $7,523
Progressive $5,663 $7,539 $6,763 $7,002
State Farm $11,907 $14,400 $31,852 $18,140
Travelers $7,561 $10,789 $17,326 $8,948
USAA $3,466 $4,353 $5,704 $3,781

Warren, MI Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Warren, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $61,042
Farmers $27,466
GEICO $20,730
Liberty Mutual $37,253
Nationwide $8,122
Progressive $6,763
State Farm $31,852
Travelers $17,326
USAA $5,704

Warren, MI Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Warren, Michigan

ZIP Code Average Annual Rates
48088 $9,010
48089 $12,514
48091 $11,823
48092 $10,201
48093 $9,856

Warren, MI Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Warren, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $27,840 $27,840
Farmers $25,975 $25,975
GEICO $8,945 $9,367
Liberty Mutual $22,829 $24,452
Nationwide $7,816 $7,816
Progressive $6,742 $6,742
State Farm $18,536 $19,613
Travelers $11,092 $11,221
USAA $4,276 $4,376

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Warren, MI Cheapest Car Insurance Rates

How do the top Warren, Michigan car insurance companies’ average rates stack up against the Warren average monthly car insurance rates of $1,257? Take a look and see.

Best Annual Car Insurance Rates by Company in Warren, Michigan

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

Warren, MI Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Warren, Michigan

Insurance Company Average Annual Rates
Allstate $27,840
Farmers $25,975
GEICO $9,156
Liberty Mutual $23,641
Nationwide $7,816
Progressive $6,742
State Farm $19,074
Travelers $11,156
USAA $4,326

Other Factors Affecting Warren, MI Car Insurance Rates

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

Warren, MI Car Theft Rates

The car theft rate in Warren, MI will affect your car insurance rates. FBI data shows that the annual car theft rate for Warren, Michigan is 539 stolen cars.

Warren, MI Commute Time

How does your Warren, MI commute time compare with the average driver? In Warren, the average commute is 25.4 minutes.

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Warren, MI Car Insurance Quotes

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