Macomb County is one of the most densely populated counties in Michigan. Therefore, it is not surprising that its residents pay more for auto insurance. Right now, the average driver pays $ 1,213 for minimum coverage and $ 2,726 for full coverage.
It’s expensive for a variety of reasons outside of its population. The main reason, however, is that it has the second highest number of car accidents in Michigan. In 2018, for example, there were 25,784 traffic accidents, representing 8% of all accidents in the state (Michigan has 83 counties).
Although insurance companies have their reasons, it is always possible to find a deal. To find the best cheap car insurance in Macomb, we analyzed data points such as average cost of premiums, customer satisfaction scores, financial strength, types of coverage and available discounts.
Best Car Insurance Companies in Macomb
Looking at valuation companies such as JD Power, AM Best, along with the coverage options, available discounts, and average premium costs based on 2021 actual rate data provided by Quadrant Information Services, we have chosen the best options.
|Insurance company||JD Power Customer Satisfaction Score||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Allstate||830/1000||$ 1,501||$ 3,033|
|Geico||851/1000||$ 1,061||$ 1,884|
|Progressive||824/1000||$ 841||$ 1,612|
|Travelers||828/1000||$ 93||$ 1,318|
|United States||897/1000||$ 521||$ 1,305|
Allstate isn’t the cheapest on our list, but it’s a great company that offers their customers plenty of ways to save on their auto policy. This is particularly useful if you are or are a student yourself. You can earn student discounts by maintaining a GPA of 2.7 or higher, completing the teenSMART Driver Education Program, or parking your car while you’re at school.
Geico is a nationally known company for a reason – it offers low insurance costs with great customer service (in fact, JD Power named Michigan’s number one supplier in 2020). If that wasn’t enough, you may be able to cut your already low insurance bill even further by taking advantage of its many discounts.
Progressive also has its share of discounts. In fact, he has so many of them that he can boast that the customers who adopt them save on average $ 750 through discounts. We especially like the Progressive “name your price” tool where you tell the site your budget and needs. Almost instantly, Progressive is able to tell you what types of coverage and what liability limits are within your budget.
Travelers offers Michigan drivers 14 potential ways to save with their discounts, many of which offer big savings. Open multiple policies with Travelers and you could save up to 13% on your auto insurance. The coolest is without a doubt the IntelliDriveÂ® discount. IntelliDriveÂ® is a smartphone application that analyzes your driving behavior for 90 days. If it is determined that you are driving safely, travelers can give you up to 20% off your award.
USAA is a military insurance company that insures only serving and retired military personnel and eligible family members. USAA doesn’t offer too many discounts, but it does offer the ones you are more likely to take advantage of right off the bat. For example, if you need to park your vehicle for an extended period, the USAA will offer you up to 60% of your premium.
The cheapest auto insurance in Macomb
Macomb is superior to both state average and US average when it comes to auto insurance.
Here’s how it compares:
|Average macomb||Michigan average||american average|
|Minimum coverage||$ 1,213||$ 948||$ 531|
|Full coverage||$ 2,726||$ 2,309||$ 1,624|
Currently, Macomb costs $ 265 and $ 417 more than the Michigan state average. There are many reasons to shop! Here are the cheapest providers operating in Macomb County:
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Travelers||$ 93||$ 1,318|
|United States||$ 521||$ 1,305|
|MetLife||$ 660||$ 1,670|
|Progressive||$ 841||$ 1,612|
|Car owners||$ 929||$ 2,243|
Each company listed above is nationally recognized for providing excellent customer service. As we have seen, USAA is an exclusive company, but if you qualify, you could save money on your auto insurance. MetLife is a great company to combine with home insurance (i.e. homeowners, condos or renters), while travelers, progressive owners, and auto owners all offer unique ways to save money. ‘save. If you’re tech-savvy and like a good app, take a look at Progressive or Travelers, as they both have powerful and intuitive smartphone apps.
Macomb Insurance Requirements
Drivers In Macomb, Michigan, are required to have a 50/100/10 policy. This means that if you are the victim of an accident, your insurer will cover up to:
- $ 50,000 per person for bodily injury / death
- $ 100,000 per accident for bodily injury / death
- $ 10,000 per accident for property damage
Additionally, drivers must have PIP coverage, but the requirements have recently changed. You now have six options to choose.
When looking for auto insurance quotes in Macomb, keep in mind that if you are leasing or financing a new car, your lender or dealer will ask you to get full coverage. Therefore, don’t just look at minimum coverage when it comes to cheapest auto insurance in Macomb. Also compare the full coverage averages between companies.
Auto insurance discounts in Macomb
Possible discounts on auto insurance you may be entitled to include:
- Defensive driving
- Good student
Macomb drivers can also get a quick and permanent discount by taking a defensive driving course with the state. It doesn’t take too long or cost too much, and it can be done online or at a local driving school.
Other discounts can come from a customer loyalty discount, i.e. insuring multiple cars with the same supplier or having multiple policies with the same supplier. If you also choose to purchase home, tenant, or condominium insurance from your auto insurance company, consider the total cost you will save on insurance as opposed to what you will save only on auto insurance. One company may offer a larger discount on auto insurance, but not as much with the other bundled policy.
Frequently Asked Questions
What is the best auto insurance company?
No supplier will be the best auto insurance company for each person. To find the best option for you, get multiple quotes and compare providers based on the coverage options that are most important to you.
Is Michigan Still a Flawless State?
Yes, but PIP is now optional if your health insurance provider covers traffic accidents and your deductible is less than $ 6,000.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:
- $ 100,000 liability for bodily injury per person
- $ 300,000 liability for bodily injury per accident
- Civil liability for property damage of $ 50,000 per accident
- $ 100,000 in bodily injury caused by an uninsured motorist per person
- $ 300,000 in uninsured bodily injury per accident to a motorist
- $ 500 collision deductible
- Global deductible of $ 500
To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our example drivers own a 2019 Toyota Camry, commute five days a week, and travel 12,000 miles a year.
These are sample rates and should be used for comparison purposes only. Your quotes may be different.