Best Southfield, MI Car Insurance in 2024
Car insurance in Southfield, MI averages $1,481 a month. Southfield, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Southfield car insurance rates, compare quotes from the top car insurance companies in Southfield, MI.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Southfield, MI are $17,775/year
- The cheapest car insurance company in Southfield for teen drivers is USAA
- The cheapest ZIP code in Southfield is 48076
If you need to buy Southfield, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Southfield, MI is right here.
You’ll find Southfield car insurance rates, the cheapest Southfield, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Southfield, Michigan car insurance rates to Lansing car insurance rates, Grand Rapids car insurance rates, and Dearborn car insurance rates.
Ready to find affordable Southfield, MI car insurance today? Enter your ZIP code for fast, free Southfield car insurance quotes.
Cheapest Southfield, MI Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Southfield, MI car insurance rates? Every Southfield, Michigan car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $32,281 | $32,281 | $30,022 | $30,022 | $78,316 | $78,316 | $33,994 | $33,994 |
| Farmers | $19,541 | $19,541 | $17,960 | $17,960 | $43,639 | $43,639 | $22,094 | $22,094 |
| Geico | $6,477 | $6,477 | $6,587 | $6,587 | $17,399 | $17,399 | $6,164 | $6,164 |
| Liberty Mutual | $20,751 | $20,751 | $20,543 | $20,543 | $49,176 | $49,176 | $20,751 | $20,751 |
| Nationwide | $6,094 | $6,094 | $5,381 | $5,381 | $16,516 | $16,516 | $6,707 | $6,707 |
| Progressive | $4,220 | $3,864 | $3,703 | $4,216 | $15,320 | $16,097 | $4,915 | $4,412 |
| State Farm | $13,190 | $13,190 | $12,320 | $12,320 | $47,323 | $47,323 | $15,504 | $15,504 |
| Travelers | $7,464 | $7,464 | $6,400 | $6,400 | $22,645 | $22,645 | $8,116 | $8,116 |
| USAA | $3,329 | $3,123 | $3,132 | $2,937 | $8,201 | $7,713 | $4,053 | $3,848 |
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Minimum Car Insurance in Southfield, MI
Every driver must carry the minimum car insurance in Southfield, MI. Take a look at the Michigan car insurance requirements.
| 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 |
Cheapest Southfield, MI Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Southfield, MI. Compare credit history car insurance rates in Southfield from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $66,768 | $36,593 | $27,598 |
| Farmers | $38,236 | $20,316 | $18,873 |
| Geico | $11,808 | $8,649 | $7,014 |
| Liberty Mutual | $44,046 | $25,392 | $13,976 |
| Nationwide | $10,925 | $8,175 | $6,924 |
| Progressive | $8,257 | $6,886 | $6,137 |
| State Farm | $35,957 | $18,085 | $12,211 |
| Travelers | $11,437 | $11,087 | $10,945 |
| USAA | $6,837 | $3,874 | $2,915 |
Cheapest Southfield, MI Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Southfield, MI to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $21,649 | $28,817 | $94,198 | $29,949 |
| Farmers | $21,540 | $27,793 | $27,291 | $26,610 |
| Geico | $3,200 | $6,791 | $20,701 | $5,936 |
| Liberty Mutual | $19,452 | $23,467 | $43,392 | $24,909 |
| Nationwide | $7,394 | $9,919 | $9,026 | $8,358 |
| Progressive | $5,945 | $7,937 | $7,120 | $7,371 |
| State Farm | $13,876 | $16,731 | $36,715 | $21,014 |
| Travelers | $7,561 | $10,789 | $17,326 | $8,948 |
| USAA | $3,637 | $4,567 | $5,994 | $3,969 |
Cheapest Southfield, MI Car Insurance for Teen Drivers
Teen car insurance in Southfield, MI can be expensive. Take a look at rates from the top car insurance companies in Southfield for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $78,316 | $78,316 |
| Farmers | $43,639 | $43,639 |
| Geico | $17,399 | $17,399 |
| Liberty Mutual | $49,176 | $49,176 |
| Nationwide | $16,516 | $16,516 |
| Progressive | $15,320 | $16,097 |
| State Farm | $47,323 | $47,323 |
| Travelers | $22,645 | $22,645 |
| USAA | $8,201 | $7,713 |
Cheapest Southfield, MI Car Insurance for Seniors
Take a look at Southfield, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $30,022 | $30,022 |
| Farmers | $17,960 | $17,960 |
| Geico | $6,587 | $6,587 |
| Liberty Mutual | $20,543 | $20,543 |
| Nationwide | $5,381 | $5,381 |
| Progressive | $3,703 | $4,216 |
| State Farm | $12,320 | $12,320 |
| Travelers | $6,400 | $6,400 |
| USAA | $3,132 | $2,937 |
Cheapest Southfield, MI Car Insurance Rates After a DUI
A DUI in Southfield, MI increases car insurance rates. Compare Southfield, Michigan DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $94,198 |
| Farmers | $27,291 |
| Geico | $20,701 |
| Liberty Mutual | $43,392 |
| Nationwide | $9,026 |
| Progressive | $7,120 |
| State Farm | $36,715 |
| Travelers | $17,326 |
| USAA | $5,994 |
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Cheapest Southfield, MI Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Southfield, MI by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $43,653 | $43,653 |
| Farmers | $25,808 | $25,808 |
| Geico | $8,944 | $9,370 |
| Liberty Mutual | $26,839 | $28,771 |
| Nationwide | $8,674 | $8,674 |
| Progressive | $7,093 | $7,093 |
| State Farm | $21,449 | $22,719 |
| Travelers | $11,092 | $11,221 |
| USAA | $4,489 | $4,595 |
Cheapest Southfield, MI Car Insurance Rates by ZIP Code
Southfield car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Southfield, MI.
| ZIP Code | Average Annual Rates |
|---|---|
| 48033 | $12,179 |
| 48034 | $12,173 |
| 48075 | $12,705 |
| 48076 | $11,790 |
The Best Cheap Car Insurance Companies in Southfield, MI
Take a look at a side-by-side comparison of the top car insurance companies in Southfield, MI to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $43,653 |
| Farmers | $25,808 |
| Geico | $9,157 |
| Liberty Mutual | $27,805 |
| Nationwide | $8,674 |
| Progressive | $7,093 |
| State Farm | $22,084 |
| Travelers | $11,156 |
| USAA | $4,542 |
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Category Winners: Cheapest Car Insurance in Southfield, Michigan
Find the cheapest car insurance companies in Southfield, MI for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Cheapest Southfield, MI Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Southfield car insurance rates. Find the cheapest Southfield, MI car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $42,370 | $43,773 | $44,816 |
| Farmers | $24,892 | $25,704 | $26,829 |
| Geico | $8,558 | $9,069 | $9,843 |
| Liberty Mutual | $27,179 | $27,743 | $28,493 |
| Nationwide | $9,053 | $8,534 | $8,437 |
| Progressive | $6,870 | $7,101 | $7,309 |
| State Farm | $20,784 | $22,245 | $23,223 |
| Travelers | $11,055 | $11,166 | $11,247 |
| USAA | $4,397 | $4,555 | $4,674 |
What affects car insurance rates in Southfield, Michigan?
What factors can have an impact on Southfield, MI car insurance? There are several reasons why Southfield car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Southfield, Michigan.
Car Theft in Southfield
High levels of vehicle theft can make car insurance more expensive. Southfield, MI car theft statistics from the FBI indicate 198 vehicle thefts a year.
Commute Time in Southfield
The more time you spend in your car the higher the risk of an accident. The average commute length in Southfield, MI is 24.0 minutes according to City-Data.
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Compare Car Insurance Quotes in Southfield, MI
Ready to find affordable Southfield, Michigan car insurance today? Enter your ZIP code for fast, free Southfield, MI car insurance quotes.
Frequently Asked Questions
What are the minimum car insurance requirements in Southfield, MI?
The minimum car insurance requirements in Southfield, MI are 20/40/10, which means $20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, and $10,000 property damage liability.
How does age, gender, and marital status affect car insurance rates in Southfield, MI?
Age, gender, and marital status can impact car insurance rates in Southfield, MI. Insurance companies weigh these factors differently, so rates may vary. It’s recommended to compare rates from different companies to find the best option.
Does credit score affect car insurance rates in Southfield, MI?
Yes, your credit score can affect car insurance costs in Southfield, MI. Insurance companies may offer different rates based on credit history. It’s beneficial to compare rates for good, fair, and poor credit from top companies.
How does a driving record impact car insurance rates in Southfield, MI?
Your driving record plays a significant role in car insurance costs in Southfield, MI. Insurance rates can be higher for drivers with a bad driving record compared to those with a clean record. Comparing rates from different companies is advisable.
Is there affordable car insurance for teenagers in Southfield, MI?
Teen car insurance in Southfield, MI can be expensive, but it’s possible to find affordable rates. Comparing quotes from top car insurance companies can help in finding the best options for teenage drivers.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.