One of the more important criteria that are looked at to help calculate the annual cost of car insurance is where you live. Regions with more people or even just more weather-related claims will most likely pay more, whereas areas with less people or fewer weather incidents have the benefit of cheaper car insurance.
The table below shows the most costly cities in Michigan for high mileage drivers to purchase auto insurance in. Detroit shows up at #1 with an annual premium of $5,009 for the average policyholder, which is about $417 each month.
|Rank||City||Average Per Year|
|11||St. Clair Shores||$2,792|
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Rate information is comparative as the specific garaging location can modify prices noticeably.
Deciding which companies have the best auto insurance rates for high mileage drivers will require a little more effort in order to find a policy that fits your budget. Each auto insurer uses their own calculation for determining prices, so we’ll go over the most budget-friendly auto insurance companies in Detroit.
Cheap Insurance Rates in Michigan
|Rank||Company||Cost Per Year|
|7||Pioneer State Mutual||$1,430|
|18||Auto Club Group||$2,489|
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USAA may offer some of the most affordable car insurance rates in Detroit at around $978 each year. GEICO, Safeco, MetLife, and MEEMIC also rank well as some of the lowest-priced Detroit, MI auto insurance companies.
As the rates illustrate above, if you currently buy coverage from MetLife and switched to USAA, you might see yearly savings of approximately $386. Customers with MEEMIC could save as much as $430 a year, and Chubb customers might lower prices by up to $450 a year.
These prices are averaged across all insureds and vehicles and are not factoring in a specific zip code for high mileage drivers. So the company that fits your age and vehicle best may not even be in the list above. That’s why you need to get rate quotes from many companies using your own personal information and vehicle type.
Careless Detroit drivers pay higher rates
The easiest method to earn the most affordable auto insurance prices in Detroit for high mileage drivers is to drive attentively and avoid traffic citations and accidents. The chart below illustrates how traffic citations and at-fault accidents drive up yearly insurance costs for different age groups of insureds. The data assumes a single male driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.
In the previous chart, the average cost of car insurance per year with no accidents or violations is $3,984. Factor in two speeding tickets and the average cost hikes up to $5,297, an increase of $1,313 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of auto insurance for high mileage drivers goes up to an average of $9,921. That’s an increase of $5,937, or $495 per month, just for not driving carefully!
Buying coverage from a high-quality auto insurance company can be difficult considering how many choices drivers have in Detroit. The company rank data shown below may help you select which car insurance providers you want to consider when looking for cheaper rates. The ratings below are for the largest companies in the United States, so companies with more of a regional focus are not taken into consideration for this list.
Top 10 Major Auto Insurance Providers in Detroit Ranked by Claims Service
- Liberty Mutual
- State Farm
- The Hartford
- 21st Century
- Farmers Insurance
Top 10 Major Auto Insurance Providers in Detroit Ranked by Customer Satisfaction
- The Hartford – 93%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- State Farm – 87%
- Safeco Insurance – 86%
- AAA Insurance – 86%
- Farmers Insurance – 85%
- GEICO – 85%
- American Family – 85%
How to find the cheapest auto insurance for high mileage drivers
The list below shows a few money-saving solutions that can help Michigan drivers buy more affordable auto insurance.
- Accident-free drivers may qualify for discounts
- Buy your auto and home insurance from the same company and save
- Serious violations like DUI or reckless driving can increase rates dramatically
- Frequent claims will increase rates
- The safer your car, the less it costs to insure
- Check for cheaper rates once a year
The last item on the list is particularly significant, as we stressed in the prior article. Prices charged by car insurance companies adjust often, so don’t be tentative to change insurance companies if a lower price can be found.
Having a favorite company is great, but it isn’t a good idea if that devotion results in you overpaying big bucks every year. It only take a few minutes to shop around and find cheaper auto insurance for high mileage drivers in Detroit.
The agents shown below can probably help you determine which auto insurance coverages would be the best in your situation, as some drivers have questions and prefer to have a professional recommendation when trying to find the best insurance rates for high mileage drivers. It’s not always easy to find the cheapest rate yourself, and getting advice from a licensed agent can provide you peace of mind knowing you have adequate protection.
To find a Detroit insurance agent close to where you live, click the link at the bottom.
Look Insurance Detroit Southwest Agency
6724 Michigan Ave – Detroit, MI 48210 – (313) 899-3194
State Farm – Eric Huffman
3031 W Grand Blvd #568 – Detroit, MI 48202 – (313) 875-3172
Allstate Insurance: Ago Benavides
3570 W Vernor Hwy – Detroit, MI 48216 – (313) 849-2000
Dave Gilead Insurance Agency
18323 W McNichols Rd – Detroit, MI 48219 – (313) 533-3220
Michigan Basic Property Insurance
3245 E Jefferson Ave – Detroit, MI 48207 – (313) 877-7400