One of the more important considerations that determine insurance cost is where you normally keep your vehicle in Detroit. Larger areas tend to have higher rates, whereas areas with less congestion have the benefit of cheaper auto insurance prices.
The information below ranks the most expensive places in Michigan for state employees in which to purchase auto insurance. Detroit makes the list at #1 with an annual cost of $4,813 for the average policy, which is about $401 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Detroit | $4,813 |
| 2 | Dearborn | $4,002 |
| 3 | Southfield | $3,980 |
| 4 | Pontiac | $3,675 |
| 5 | Warren | $3,423 |
| 6 | Flint | $3,371 |
| 7 | Dearborn Heights | $3,207 |
| 8 | Taylor | $3,178 |
| 9 | Sterling Heights | $3,014 |
| 10 | Westland | $2,908 |
| 11 | St. Clair Shores | $2,736 |
| 12 | Farmington Hills | $2,676 |
| 13 | Livonia | $2,634 |
| 14 | Saginaw | $2,583 |
| 15 | Rochester Hills | $2,567 |
| 16 | Troy | $2,562 |
| 17 | Royal Oak | $2,562 |
| 18 | Lansing | $2,463 |
| 19 | Novi | $2,439 |
| 20 | Battle Creek | $2,378 |
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Premium costs are estimated as vehicle location can impact premium rates substantially.
Determining which company offers the cheapest car insurance rates for state employees will involve a tad more effort in order to find coverage that fits your budget. Each insurance company has a unique approach to determine rates, so let’s take a look at the most budget-friendly car insurance companies in Detroit, MI.
It’s important to know that Detroit car insurance rates are based on many factors which can substantially decrease or increase the cost of your policy. Simply having another birthday, moving to a different location, or getting a DUI can trigger rate changes that can cause some rates to be cheaper in comparison to the competition.
Best Cheap Insurance Rates in Michigan
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $949 |
| 2 | GEICO | $1,003 |
| 3 | Safeco | $1,047 |
| 4 | MetLife | $1,364 |
| 5 | Chubb | $1,372 |
| 6 | Pioneer State Mutual | $1,444 |
| 7 | MEEMIC | $1,450 |
| 8 | Hastings Mutual | $1,627 |
| 9 | Auto-Owners | $1,636 |
| 10 | Frankenmuth | $1,662 |
| 11 | SECURA | $1,778 |
| 12 | Progressive | $1,923 |
| 13 | Wolverine Mutual | $2,126 |
| 14 | Allied | $2,240 |
| 15 | Grange Mutual | $2,276 |
| 16 | Hanover | $2,328 |
| 17 | Allmerica | $2,362 |
| 18 | Auto Club Group | $2,489 |
| 19 | Nationwide | $2,541 |
| 20 | Farm Bureau | $2,651 |
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USAA has some of the lowest car insurance rates in Detroit at around $949 a year. This is $1,444 less than the average premium paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and Chubb are also some of the best Detroit, MI insurance companies.
In the rate table above, if you have coverage with Chubb and switched to GEICO, you might see an annual savings of approximately $369. Michigan drivers with Pioneer State Mutual might save as much as $441 a year, and MEEMIC customers might lower prices by $447 a year.
To see if you’re overpaying, click here to start your free quote or quote rates from the companies below.
Remember that these policy rates are averages across all types of drivers and the different vehicles they drive and and are not calculated with an exact zip code location for state employees. So the auto insurance company that is best for you may not even be in the top 30 companies in the list above. That emphasizes why you need to get rate quotes using your own specific driver and vehicle information.
Careless driving habits raise Detroit car insurance rates
In a perfect world, the best way to snag cheap car insurance rates in Michigan for state workers is to be a safe driver and maintain a clean driving record. The illustration below illustrates how traffic citations and accidents increase auto insurance costs for different age groups. The premiums are based on a single male driver, full coverage, $250 deductibles, and no discounts are applied.
In the prior example, the average cost of an auto insurance policy in Detroit per year with a clean driving record and no accidents is $3,603. Factor in two speeding tickets and the average cost swells to $4,779, an increase of $1,176 each year. Then throw in one accident along with the two speeding tickets and the annual cost of car insurance for state employees jumps again to an average of $5,953. That’s an increase of $2,350, or $196 per month, just for not paying attention while driving!
Picking a high-quality insurance company can be rather challenging considering how many choices drivers have in Detroit. The company rank data shown next could help you decide which insurers to look at when comparing auto insurance rates for state employees. These ratings are only comprised of the largest companies in the United States, so companies that have a smaller presence are not taken into consideration for these rankings.
Top 10 Major Auto Insurance Providers in Detroit Ranked by A.M. Best Rating
- State Farm – A++
- USAA – A++
- GEICO – A++
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
- Esurance – A+
- Progressive – A+
- Safeco Insurance – A
- Liberty Mutual – A
Get discounts on Detroit auto insurance rates
Car insurance companies that offer cheap quotes for state employees may also provide rate discounts that could potentially reduce rates by 40% or more if you meet certain criteria. A list of companies and some of the discounts can be found below.
- GEICO has discounts for driver training, federal employee, air bags, multi-policy, and good student.
- Travelers may include discounts for hybrid/electric vehicle, new car, early quote, good student, and home ownership.
- Farm Bureau may have discounts that include youthful driver, multi-vehicle, safe driver, driver training, multi-policy, good student, and 55 and retired.
- Liberty Mutual has savings for safety features, hybrid vehicle, multi-policy, new move discount, newly married, and new vehicle discount.
- American Family may offer discounts for multi-vehicle, good driver, mySafetyValet, air bags, defensive driver, and bundled insurance.
- Progressive includes discounts for online quote discount, multi-vehicle, homeowner, multi-policy, and good student.
The diagram below compares insurance premiums with and without discounts being applied to the rates. The premiums are based on a female driver, no claims or driving violations, Michigan state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple vehicle, defensive driving course, multiple policy, vehicle safety, marriage, and anti-theft discounts applied. When drivers qualify for the discounts, theamount saved on car insurance for state employees is 28% or $1,280.
How to find economical auto insurance for state employees
It’s not impossible to find cheaper rates, and here are some of the better thrifty ideas that can help drivers buy cheaper car insurance.
- At-fault accidents will increase rates
- Maintaining good credit helps earn cheaper rates
- Avoid filing small claims
- Save money by observing traffic laws and speed limits
- The safer your car, the less it costs to insure
- Comparison shop frequently
That last tip is especially valuable, as we hit on in the article above. Car insurance prices in Detroit change frequently, so drivers shouldn’t be resistant to change to a new company if a more affordable price is available. Being loyal to a particular company is commendable, but we do not recommend it if that faithfulness ends up costing you thousands of dollars over several years. Now is a great time to shop around to find cheaper insurance for state employees.