Who Has the Cheapest Car Insurance for Drivers Under 21 in Michigan?

Wouldn’t it be excellent if we could tell you the exact company that has the best insurance prices for drivers under 21? Unfortunately, it’s just not that easy, as there are a lot of unknown factors such as your date of birth, whether you just want liability only, and the crime level of your neighborhood. The content below covers the best ways to avoid paying too much and should give you a good start in finding the cheapest car insurance in Michigan.

When shopping for cheaper auto insurance for minors, one of the many considerations that aid in calculating car insurance rates is where your residence is in Michigan. Densely populated urban areas like Detroit, Southfield, and Warren will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims generally have lower rates.

The following table illustrates the higher priced cities in Michigan for drivers under 21 to purchase auto insurance in.

Information shown are comparative as the specific zip code location can impact coverage rates considerably.

Buying low-priced car insurance is not easy, and deciding which company offers the cheapest car insurance rates for drivers under 21 requires additional perseverance. Policy rates will most likely be much greater than the average policy in Michigan attributed to the potential for more claims that comes with selling coverage for minors, but affordable coverage should be obtainable if you carefully shop around. Each insurance company has their own formula for setting rates, so let’s take a look at the most budget-friendly car insurance companies in Michigan.

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USAA quotes some of the lowest car insurance rates in Michigan at around $958 annually. GEICO, Safeco, MetLife, and Chubb also are some of the cheapest Michigan car insurance companies.

As illustrated above, if you are currently insured with Safeco and switched to USAA, you might achieve savings of in the neighborhood of $121. Insureds with MetLife could save as much as $366 a year, and Chubb customers might reduce prices by as much as $414 a year.

It’s important to note that these premium estimates are averages for all drivers and vehicles in Michigan and do not take into consideration a price surcharge for drivers under 21. So the auto insurance company that fits your needs best may not even be included in the list above. That point stresses why you need to get rate quotes using your own personalized driver profile and vehicle information.

The car, truck, or SUV driven is a large factor that determines if you can find the cheapest auto insurance for drivers under 21 in Michigan. Vehicles with average performance, a plethora of safety features, or a low likelihood of having liability claims will cost substantially less to insure than high performance models. The next list shows auto insurance costs for a number of the more afforable vehicles to insure.

Table data represents single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Michigan minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in specific location information which can increase or decrease coverage rates substantially.

Looking at the rates, you can figure that cars like the Honda Accord, Honda CR-V, and Chevrolet Traverse are most likely going to be some of the cheaper vehicles to insure for minors. The price for an auto insurance policy will tend to be higher because of the fact that there is more claim risk for drivers under 21, but generally speaking those vehicles will tend to have the least expensive rates possible.

Best car insurance in Michigan

Finding a high-quality company can be rather challenging considering how many different companies sell coverage in Michigan. The ranking data in the lists below may help you analyze which companies to look at when comparing auto insurance rates for drivers under 21.

The ratings below are only made up of large, nationwide insurance companies, so companies with more of a regional focus are not taken into consideration for the list. To compare prices from these and other companies in Michigan, simply click here.

Top 10 Major Auto Insurers in Michigan Ranked by Customer Service

1. The Hartford
2. American Family
3. Progressive
4. GEICO
5. USAA
6. State Farm
7. Farmers Insurance
8. Allstate
9. Safeco Insurance
10. Liberty Mutual

Top 10 Major Auto Insurers in Michigan Ranked by Customer Satisfaction

1. The Hartford – 93%
2. Progressive – 90%
3. 21st Century – 89%
4. USAA – 87%
5. State Farm – 87%
6. Safeco Insurance – 86%
7. AAA Insurance – 86%
8. Farmers Insurance – 85%
9. GEICO – 85%
10. American Family – 85%

Which car insurance company is best?

When shopping around for auto insurance for minors, the companies that insure more vehicles than anyone else are Progressive, Allstate, State Farm, and Geico. Between them, they make up over 45% of all car insurance policies written. They all offer your standard coverages, but each one has slightly different coverages and options that add value to each policy. The following table rates ratings and policy coverage options shoppers can find with each company.