Cheapest Car Insurance Quotes in Warren

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Warren Car Insurance

^$ 58

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Warren

The car insurance rate in Warren is $1985 for a six-month policy, which is $782 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $813, making it a popular choice for budget-conscious drivers. Rates in Warren can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Warren

$1985

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Warren

1st place: Travelers

At $813 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1020 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1127 for six months, making it the third cheapest auto insurance company in Warren.

Warren Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Warren, MI is Travelers, offering policies at just $813 for a six-month term. This is followed by USAA, which has an average six-month premium of $1020.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1343 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Warren drivers find the best deals.

Cheap Car Insurance Companies in Warren, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$813	$137
USAA	$1020	$172
Encompass	$1127	$188
Auto-Owners Insurance Co	$1157	$196
Chubb	$1216	$203
Auto-Owners	$1363	$229
AAA	$1391	$234
Farm Bureau Ins of MI	$1431	$243
Pioneer State Mutual Ins Co	$1558	$259
Progressive	$1558	$262
Westfield	$1940	$327
Farm Bureau	$2186	$371
State Farm	$2784	$469
Allstate	$2970	$505
Bristol West	$3871	$645
Farmers	$6018	$1023
Hastings Mutual	$1343	$224

Key Takeaways

Way's key takeaways about car insurance in Warren

The auto insurance costs in Warren fall around $813 for six months.
The cheapest auto insurance company in Warren is Travelers.
Teen drivers pay the highest rate in Warren at $1594 per month.

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Cheapest Minimum Liability Car Insurance in Warren

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Warren are given below.

Travelers provides the cheapest minimum car insurance coverage in Warren. Their Average 6 Month Premium is $343. Hastings Mutual is the most expensive at $587 for the same period.

Cheapest Liability Coverage in Warren, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$343	$58
Westfield	$363	$61
USAA	$460	$78
Encompass	$470	$79
Chubb	$500	$83
Auto-Owners Insurance Co	$540	$92
Auto-Owners	$637	$107
Farm Bureau Ins of MI	$696	$119
Progressive	$716	$120
AAA	$853	$145
Farm Bureau	$1077	$180
Allstate	$1264	$215
Bristol West	$1617	$269
State Farm	$1734	$292
Farmers	$3127	$521
Hastings Mutual	$587	$97

Cheapest Full Coverage Car Insurance in Warren

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Warren is Travelers at $137 per month and $813 for six months.

Cheapest Full Coverage Car Insurance Quotes in Warren, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$813	$137
USAA	$1020	$172
Encompass	$1127	$188
Auto-Owners Insurance Co	$1157	$196
Chubb	$1216	$203
Auto-Owners	$1363	$229
AAA	$1391	$234
Farm Bureau Ins of MI	$1431	$243
Pioneer State Mutual Ins Co	$1558	$259
Progressive	$1558	$262
Westfield	$1940	$327
Farm Bureau	$2186	$371
State Farm	$2784	$469
Allstate	$2970	$505
Bristol West	$3871	$645
Farmers	$6018	$1023
Hastings Mutual	$1343	$224

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Average Car Insurance in Warren by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Warren, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Warren, Michigan, may be increasing due to several external factors. Michigan has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Warren's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Warren

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Chubb	$460
30s	USAA	$350
40s	USAA	$335
50s	USAA	$322
60s	Chubb	$294
70s	Chubb	$322

Cheapest Car Insurance Rates for Teen Drivers in Warren,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Warren at $68 per month. At $9565 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$403	$68
Westfield	$431	$73
Encompass	$470	$79
Chubb	$559	$96
Auto-Owners Insurance Co	$587	$97
Grange	$764	$130
USAA	$1549	$261
Auto-Owners	$1853	$312
AAA	$2470	$416
Farm Bureau	$3557	$606
Progressive	$3813	$642
Allstate	$6430	$1094
State Farm	$6597	$1099
Farmers	$27600	$4693
Bristol West	$9565	$1594

Teen Car Insurance Rates in MI by Age

Way Tip

If you are in your twenties Chubb is the best choice for car insurance in Warren.

As young drivers face the highest rates in Warren, Chubb offers the cheapest auto insurance rates at $460 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Warren, Travelers is the cheapest car insurance provider. At $657 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Warren is Farm Bureau Ins of MI, offering rates of around $2077 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$657	$112
Encompass	$677	$112
Progressive	$950	$162
Westfield	$1000	$167
Auto-Owners Insurance Co	$1059	$180
Pioneer State Mutual Ins Co	$1294	$216
Grange	$1637	$279
Farm Bureau Ins of MI	$2077	$347

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Save up to $971/yr on car insurance rates in Warren.

Car Insurance Rates with An Accident in Warren

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Warren, MI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Warren

The cheapest car insurance companies after an at-fault accident in Warren include Chubb and Westfield, offering $500 and $530, respectively. Pioneer State is an expensive provider with an average six-month premium of $784.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$500	$86
Westfield	$530	$87
Auto-Owners Insurance Co	$617	$106
Encompass	$696	$116
Farm Bureau Ins of MI	$823	$140
Pioneer State Mutual Ins Co	$911	$152
Travelers	$970	$163
USAA	$1216	$205
Progressive	$1343	$226
Auto-Owners	$1500	$252
AAA	$1921	$323
Farm Bureau	$2676	$446
State Farm	$3048	$518
Allstate	$4734	$789
Farmers	$8458	$1439
Pioneer State	$784	$130

Warren Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Warren MI. For example, the car insurance in Warren after a DUI increases to $3960 for a six month policy. While the rate increases by $2157 for a six-month policy in the case of a speeding ticket.

Warren auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2157	$360
Failure to wear a seat belt	$2558	$436
Cell phone violation	$2714	$452
Texting while driving	$2714	$462
Illegal turn	$2724	$454
Wrong way/wrong lane	$2724	$464
Speeding in school zone	$2764	$460
Driving with expired registration	$2784	$474
Failure to stop at a red light	$2813	$469
Improper passing	$2813	$479
Speeding 16 - 20 MPH over limit	$3127	$521
Open container	$3684	$627
Driving with a suspended license	$4127	$688
Racing	$5321	$904
Reckless driving	$5783	$964
Leaving scene of an accident/hit and run	$5930	$1008
DUI	$6117	$1020

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Warren after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Warren.

The cheapest car insurance premiums in Warren are offered by Chubb at $500 for a six-month policy. However, it can be as expensive as $15446 with companies like Allstate.

Warren car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$500	$83
Auto-Owners Insurance Co	$1323	$224
Grange	$1333	$223
Progressive	$1421	$239
Pioneer State Mutual Ins Co	$1607	$267
USAA	$1734	$292
Travelers	$1970	$328
Auto-Owners	$2980	$502
Westfield	$3244	$546
AAA	$3351	$564
Bristol West	$4587	$764
Farmers	$4704	$792
Farm Bureau	$5567	$927
State Farm	$7008	$1180
Allstate	$15446	$2574

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Warren are offered by Westfield at $431. However, it can be as expensive as $19495 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Warren after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$431	$73
Chubb	$500	$83
Encompass	$530	$91
Travelers	$647	$107
Auto-Owners Insurance Co	$686	$117
Farm Bureau Ins of MI	$980	$163
USAA	$1020	$173
Grange	$1040	$173
Auto-Owners	$1431	$243
Progressive	$2097	$353
AAA	$2127	$361
Farm Bureau	$2137	$356
Allstate	$3871	$658
State Farm	$6498	$1082
Farmers	$19495	$3315

Car Insurance Price Trends in Warren, Michigan

Car insurance rates in Warren have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Warren dipped by $442 in December compared to $454 of November. In other words, there has been an decrease by $12 when you compare December and November.

The average cost of liability insurance in the Warren rose to $147 in December, compared to $135 in November. This represents an increase of $12 when comparing December and November.

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Average Car Insurance Cost in Warren by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Warren. At $2342 for a six-month policy, insuring your car at 48093 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
48093	$2342	$393
48091	$2421	$406
48092	$2362	$396
48088	$2302	$386
48089	$2441	$409

Frequently Asked Questions

How much is car insurance in Warren?

The car insurance in Warren is $58 per month, which is lower than the national average.

What is the cheapest car insurance in Warren?

The cheapest car insurance in Warren is $137 per month for full coverage.

How much is car insurance in Warren for teenagers?

Car insurance for teenagers costs $403 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Warren?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $333 per month to insure your car in Warren.

Is car insurance expensive in Warren?

Car insurance can be expensive in Warren if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Warren can be affordable.

Cheapest Car Insurance Quotes in Warren

Why you can trust Way?

How Much Is Car Insurance in Warren

Avg. Car Insurance in Warren

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Warren

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Warren Car Insurance Rates by Company

Cheap Car Insurance Companies in Warren, MI

Way's key takeaways about car insurance in Warren

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Warren

Cheapest Liability Coverage in Warren, MI

Cheapest Full Coverage Car Insurance in Warren

Cheapest Full Coverage Car Insurance Quotes in Warren, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Warren by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Warren, MI increasing?

Car Insurance Premiums by Age in Warren

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Warren,MI

If you are in your twenties Chubb is the best choice for car insurance in Warren.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Warren

Cheapest Car Insurance Companies after an At-Fault Accident in Warren

Warren Car Insurance Rates by Violation

Warren auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Warren after a DUI

Warren car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Warren after Speeding ticket

Car Insurance Price Trends in Warren, Michigan

Average Car Insurance Cost in Warren by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Warren, MI

Car Insurance Rates by State in the USA (2025 Update)

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Data Sources