Finding budget car insurance is not always easy, and determining which companies offer the cheapest car insurance rates for teenage males will require a little more work.
Each auto insurer uses a slightly different approach for establishing rates, so let’s take a look at the overall cheapest car insurance companies in Michigan. It’s important that you understand Detroit, MI car insurance rates are based on many factors that control the policy premium. This price variation is why consumers need to take the time to do a thorough rate comparison when trying to get the best car insurance rates for teenage males. Auto insurance prices are impacted by many risk factors and can change substantially, so the most economical option three years ago may now be quite expensive.
Find the Cheapest Car Insurance for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $949 |
| 2 | GEICO | $993 |
| 3 | Safeco | $1,079 |
| 4 | MetLife | $1,350 |
| 5 | Chubb | $1,414 |
| 6 | MEEMIC | $1,436 |
| 7 | Pioneer State Mutual | $1,474 |
| 8 | Hastings Mutual | $1,595 |
| 9 | Auto-Owners | $1,702 |
| 10 | Frankenmuth | $1,713 |
| 11 | SECURA | $1,778 |
| 12 | Progressive | $1,923 |
| 13 | Wolverine Mutual | $2,191 |
| 14 | Allied | $2,240 |
| 15 | Grange Mutual | $2,253 |
| 16 | Hanover | $2,305 |
| 17 | Allmerica | $2,362 |
| 18 | Auto Club Group | $2,391 |
| 19 | Nationwide | $2,516 |
| 20 | Farm Bureau | $2,678 |
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USAA has some of the best car insurance rates in Detroit at around $949 a year. GEICO, Safeco, MetLife, and Chubb are also some of the most economical Detroit, MI car insurance companies.
As shown in the rates above, if you currently have coverage with Safeco and switched to USAA, you could see yearly savings of around $130. Customers with MetLife could save as much as $401 a year, and Chubb policyholders might reduce prices by as much as $465 a year.
To see if your current coverage is too expensive, click here to start your custom quote or visit any of the low-priced companies below.
Bear in mind that those policy rates are averages across all insureds and vehicles and and are not figured with an exact zip code location for teenage males. So the company that is best suited for you may not even be in the top 30 companies shown above. That’s why you need to compare prices as often as possible using your own driver data and vehicle information.
One of the many considerations that help determine the price you pay for insurance is where you keep your car. Cities with more crime and/or more people tend to have higher auto insurance costs, whereas more rural areas tend to receive slightly lower rates.
The next table sorts the highest-priced places in Michigan for teenage males to purchase a policy in. Detroit makes the list at #1 with the annual price of $4,813 on average, which is about $401 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Detroit | $4,813 |
| 2 | Dearborn | $4,123 |
| 3 | Southfield | $3,862 |
| 4 | Pontiac | $3,639 |
| 5 | Flint | $3,473 |
| 6 | Warren | $3,322 |
| 7 | Dearborn Heights | $3,305 |
| 8 | Taylor | $3,178 |
| 9 | Sterling Heights | $3,044 |
| 10 | Westland | $2,937 |
| 11 | St. Clair Shores | $2,736 |
| 12 | Farmington Hills | $2,704 |
| 13 | Livonia | $2,634 |
| 14 | Troy | $2,614 |
| 15 | Rochester Hills | $2,492 |
| 16 | Royal Oak | $2,487 |
| 17 | Saginaw | $2,481 |
| 18 | Battle Creek | $2,450 |
| 19 | Novi | $2,439 |
| 20 | Lansing | $2,391 |
| 21 | Kalamazoo | $2,259 |
| 22 | Grand Rapids | $2,252 |
| 23 | Kentwood | $2,183 |
| 24 | Wyoming | $2,151 |
| 25 | Ann Arbor | $2,149 |
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Price information shown is approximated as the specific area where the vehicle is garaged can revise premium rates noticeably.
The vehicle model you are seeking coverage for is one of the primary factors when shopping for economical auto insurance for teenage males. Vehicles with limited speed and performance, excellent safety ratings, or a low likelihood of liability claims will cost much less to insure than fast, unsafe models. The information below shows auto insurance costs for the more affordable automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $17,257 |
| Honda CR-V EX-L 4WD | $17,434 |
| Toyota Prius | $18,744 |
| Chevrolet Silverado LS Regular Cab 4WD | $19,168 |
| Toyota Tacoma 4WD | $19,345 |
| Ford Focus S 4-Dr Sedan | $20,296 |
| Toyota RAV4 Limited 2WD | $20,474 |
| Dodge Grand Caravan Hero | $20,481 |
| Chevrolet Malibu LS | $20,474 |
| Ford F-150 FX4 Super Cab 4WD | $20,655 |
| Ford Explorer Limited 4WD | $20,662 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $21,406 |
| Hyundai Elantra GLS 4-Dr Sedan | $21,602 |
| Ford Edge Limited AWD | $21,608 |
| Chevrolet Impala LTZ | $21,602 |
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Data based on single male driver age 17, 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 garaging location which can influence prices noticeably.
Based on these rates, we can conclude that cars like the Ford Escape, Honda CR-V, Toyota Prius, and Chevrolet Silverado are going to be a few of the cheapest vehicles to insure for teen boys. Prices will trend higher because there is more claim exposure for teenage males, but generally speaking those particular models will probably have the lowest insurance rates that you’ll find.
Finding a good quality auto insurance provider can be difficult considering how many companies are available to choose from in Detroit. The company rank data in the next section could help you select which auto insurance companies you want to consider when trying to find cheaper insurance for teenage males. These rankings are only comprised of the largest companies in America, so companies with more of a regional focus are not taken into consideration for this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Discounts on Detroit insurance
Auto insurance companies that offer coverage for teenage males may have rate discounts that may potentially lower prices by as much as 35% if you can meet the requirements. Larger car insurance companies and a partial list of their discounts are detailed below.
- Farmers Insurance may offer discounts for switch companies, homeowner, good student, mature driver, early shopping, and teen driver.
- Esurance has savings for Pac-12 alumni, anti-lock brakes, online quote, claim free, multi-car, good driver, and defensive driver.
- State Farm may have discounts that include passive restraint, good driver, student away at school, defensive driving training, and driver’s education.
- GEICO includes discounts for anti-theft, defensive driver, driver training, seat belt use, and military active duty.
- Allstate offers discounts including resident student, FullPay discount, farm vehicle, early signing, utility vehicle, anti-theft, and premier discount.
The information below illustrates the comparison of car insurance costs with and without discounts applied to the rates. The data is based on a male driver, a clean driving record, no at-fault accidents, Michigan state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with passive restraint, paid-in-full, continuous coverage, anti-theft, vehicle safety, and good student discounts applied. When these discounts are applied, the average savings per year on car insurance for teenage males is 28% or $1,158.
How to find budget-friendly auto insurance for teenage males
It’s not impossible to find cheaper rates, and here are some of the better penny-pinching solutions that can help drivers get lower-cost car insurance.
- Maintaining good credit helps earn cheaper rates
- Increase the comprehensive and collision deductibles on your policy
- Try to remain claim-free
- On older vehicles, drop full coverage
- Buy vehicles with good safety ratings
- Buying your home and auto policies from the same company can earn a discount
- Shop around for cheaper rates regularly
The final tip is certainly significant, as we discussed in this piece. Prices charged by companies in Detroit can be adjusted at any time, so don’t be unwilling to buy a different policy if a cheaper rate is available. Many consumers stick with the same company and that’s fine, but it isn’t a good idea if that dedication is costing hundreds of dollars a year. In just a couple of minutes you could shop around and find cheaper auto insurance for teenage males.