Car Insurance in Warren City
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Car Insurance in Warren City, MI
Want to compare car insurance quotes in Warren City, Michigan? You'll need to be familiar with some aspects of this unique city to choose the right car coverage in Warren City.
It's the third most populous city in Michigan and the largest in Macomb County, and driving in Warren City is one of the best ways to get around. Warren City has strong automotive roots due to its nearby neighbor, Detroit, and is also celebrated for its surprisingly diverse culture. Warren City is home to many green spaces and lovely parks, including Michigan's largest indoor water park at the Gurnee Mills Shopping Center.
Along with these features, Warren City strongly emphasizes education, a vibrant art scene, a decidedly family-friendly atmosphere, and a relatively lower cost of living, all of which play a role in your car insurance costs in Warren City. Keep reading for more information on choosing the best insurance provider.
How much is car insurance in Warren City, MI?
The total cost of car insurance in Warren City can vary widely based on the coverage you choose. To give you an overview, here are the average rates for the three most popular coverage options in the area:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Warren City?
Sorting and determining insurance costs for every car make, model, and year in the city is a complex task. However, if you're looking for newer vehicles with lower insurance rates, here are the top 10 most affordable car makes and models to consider in Warren City:
Rank | Make and Model | Average Monthly Premium |
---|---|---|
1 | Subaru Forester | $336 |
2 | Dodge Grand Caravan | $341 |
3 | Ford Fusion | $361 |
4 | Honda Cr-V | $364 |
5 | Ford F-150 | $367 |
6 | Kia Sedona | $367 |
7 | Chevrolet Silverado | $372 |
8 | Jeep Cherokee | $379 |
9 | Ford Escape | $379 |
10 | Toyota Tacoma | $390 |
Avg. premiums are weighted by zip code population sizes. Data accurate as of August 1, 2024 |
How do claims and violations impact my total cost?
Below is a breakdown showing how insurance rates in Warren City may fluctuate based on common claims and violations, ranked from the least to the most impactful:
Violation or Claim | Average Monthly Cost | Price Difference |
---|---|---|
None | $392 | +0% |
Not at-fault Accident | $405 | +3% |
Speeding Ticket | $602 | +54% |
At-fault Accident | $617 | +57% |
Driving with expired registration | $619 | +58% |
Driving with a suspended license | $693 | +77% |
Hit and Run | $805 | +105% |
DUI | $960 | +145% |
What car insurance discounts can I get in Warren City?
A range of discounts is available that can help lower your insurance costs in Warren City. Below are discount opportunities are listed from the most to least significant, aiding you in reducing your premiums:Potential Discounts | Average Monthly Cost | Monthly Savings | |
---|---|---|---|
Multi-Policy Home | $338 | +$54 | |
Multi-Policy Renters | $349 | +$43 | |
Paid in Full | $365 | +$27 | |
Low Mileage | $382 | +$10 | |
Electronic Funds Transfer | $390 | +$2 | |
Paperless | $391 | +$1 | |
None | $392 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.