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Cheapest car insurance in Clio, Michigan (Jul 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Clio, Michigan.
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Maria Cruz
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

Cheapest car insurance quotes in Clio

On average, auto insurance in Clio costs about $150 per month for minimum coverage liability insurance and about $150 per month for full coverage insurance. Clio drivers pay 4% more than the
Michigan
average.  
Securing an affordable car insurance policy is a great way to keep your auto-related expenses as low as possible. However, there’s no “cheapest” car insurance provider for every driver. To ensure you’re getting the best price for customized coverage, compare
auto insurance quotes
from various companies before choosing your favorite. 
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$134
Ralph, 30
Zip: 48420
Pontiac G6
• State Minimum Liability
• Comp / Collision
Safeco
$139
Charles, 36
Zip: 48420
Chevrolet Malibu 1LT
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 15, 2024

Best car insurance companies in Clio

Jerry conducted the nation's largest insurance shopping survey to help you identify which auto insurance company offers the best rates in Clio, Michigan. The reason why it’s so important to shop for coverage is because no one insurer will offer the best rates to every driver. Each provider decides rates based on their own algorithms, meaning the onus is on you to compare quotes in order to lock in the rate you want. 
We spoke to more than 15,000 policyholders in 50 states about 87 insurance providers. The results? There’s simply no best or cheapest car insurance company for every driver—instead, your rates are highly individualized. 
Many drivers in the city report that State Farm, Safeco, and Progressive have some of the best rates and customer service across the board.
Below, the table compares insurance companies’ overall rating and how their prices stack up against each other.
Insurance Company
Overall Jerry rating
Average annual cost for full coverage
Average annual cost for minimum coverage
4.2
$2,340
$1,471
4.5
$3,168
$1,649
4.5  
$2,413
$1,047
4.4
$4,051
$1,201
4.4
$4,088
$2,277

Progressive

Overall Jerry rating in Michigan: 4.2
JD Power customer satisfaction: 814
AM Best financial strength: A+
NAIC complaint index (June 2023): More than expected
Progressive is one of the longest-standing insurance companies out there. They offer policyholders plenty of coverage options and have 24/7 customer service standing by. They did score higher than average for number of complaints, but Jerry users rated them highly for both customer service and the claims process.
Read More
Real 5-star customer reviews:
“Help me save good amount of money for post graduate school” Dat, MI
“Progressive being one of the only insurance companies to give me a quote as a first time buyer at a price that’s affordable made my entire life much easier.” Kiere, MI
“So far everything is running smoothly. I love the great rated and can't wait for them to be lowered with the snapshot app and sensor!” Melissa, MI

State Farm

Overall Jerry rating in Michigan: 4.5
JD Power customer satisfaction: 833/1000
AM Best financial strength: A++
NAIC complaint index (September 2023): Slightly more than expected
Being such a large insurance provider, State Farm has a lot to offer their customers. Policyholders have the flexibility to sift through a healthy amount of coverage options so they can build the policy that’s best for them, all from a wide selection of local insurance agents. Though they scored a good number of complaints, State Farm in Clio, MI still scored high for customer satisfaction.
Read More
Real 5-star customer reviews:
“Love their service.” Cassandra Sandy, MI
“Excellent customer service.” Heather, MI
“Cheap and great customer service.” Tonya, MI

Safeco

Overall Jerry rating in Alabama: 4.5
JD Power customer satisfaction: 809
AM Best financial strength: A
NAIC complaint index (June 2023): Slightly above average
Safeco makes car insurance easy with their wide selection of coverage options, highly rated customer support, and low rates. They also offer policyholders a wide range of bundling options, which helps save even more. Though some clients reported a hairy claims process, Jerry users voted Safeco 3.9 for their claims experience, and 4.3 for customer satisfaction.
Read More
Real customer reviews:
“My current policy has, by far, the best price for covering my two vehicles. Fortunately, I have not yet made a claim on my insurance so I cannot speak to that. I will say the mobile app needs some work. It is not the most user friendly.” Jordan, MI
“Excellent customer service and very helpful for finding the right policy and getting everything set up.” Tiandra, MI
“I would like cheaper insurance.” Ashley, MI

State Auto

Overall Jerry rating in Michigan: 4.4
JD Power customer satisfaction: N/A
AM Best financial strength: A+
NAIC complaint index: Much higher than average
State Auto is a good route for drivers searching for an easy online claims process, a wide selection of coverage options, or available discounts. Jerry users rated the provider well for cost and customer service, but some policyholders have been dissatisfied with the higher rates they found here.
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Real customer reviews:
“​​I’ve been looking into getting renters insurance for awhile now, I went through the Jerry app and it was very easy and affordable as well! Very happy with my State Auto renters insurance policy!” Michelle, MI
“I got connected with State auto through my agent. Does the job and I have no complaints.” Chening, MI

Bristol West

Overall Jerry rating in Michigan: 4.4
JD Power customer satisfaction: N/A
AM Best financial strength: A
NAIC complaint index (September 2023): Higher than average
Bristol West is a widely available insurance provider that offers a wide portfolio of coverage options, 24/7 access to online policy information, and the opportunity to file an SR-22 certificate. Even high risk drivers can find coverage here, but keep in mind that policyholders have often mentioned the high cost of premiums from Bristol West. 
Read More
Real customer reviews:
“They've been great so far.” Jon, MI
“Have been the most helpful company I have ever been with!” Hayley, MI
“Best price around great customer service, best insurance I've ever had.” Katie, MI
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
If you’re looking for a fast and easy way to find the cheapest rates in Clio, try using a car insurance comparison app or website. 
Jerry is a top-rated insurance agency that offers a straightforward app that auto owners can use to
shop for car insurance
and explore their motorist coverage options. Moreover, Jerry provides end-to-end service—helping you register for your new policy and even canceling your old one on request.

Best cheap car insurance quotes in Clio

Whether you’re from
Detroit
,
Lansing
,
Ann Arbor
, or Clio, every Michigan driver is legally required to carry minimum liability coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), and property protection insurance (PPI). 
However, depending on your specific needs, you’ll likely want to consider additional coverage types—such as full coverage.

Cheap minimum liability insurance quotes in Clio

Before legally driving your car, you’ll need to secure a policy meeting
Michigan’s minimum liability coverage requirements
1.
You’ll often hear this referred to as 50/100/15 coverage. 
Check out these Clio car owners who used Jerry to secure affordable minimum liability coverage.
card cover
Ralph (30 years old)
coverageCoverage
State Minimum
locationClio, MI
(Zip Code: 48420)
$134
per month

Do you need more than minimum coverage in Clio?

Most drivers in Clio feel that the best car insurance policy will include more than the state minimum coverage. 
If you cause a collision, you could be responsible for medical bills and vehicle repairs that greatly exceed the 50/100/15 limit—especially if the other driver is seriously injured or the vehicle is totaled. 
The bottom line: To ensure you’re fully protected, consider 100/300/100 liability coverage—even if you opt out of collision and/or comprehensive coverage.

Cheap full coverage car insurance quotes in Clio

But what happens if you’re injured or your vehicle is damaged in an accident? That’s where full coverage car insurance comes in. 
Full coverage auto insurance
includes comprehensive and collision coverage. 
If you purchase your vehicle using an auto loan, your loan provider will likely require that you buy full coverage car insurance.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$134
Ralph, 30
Zip: 48420
Pontiac G6
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$139
Charles, 36
Zip: 48420
Chevrolet Malibu 1LT
coverageLast Updated Jul 15, 2024
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Average cost of car insurance in Clio

Jerry has found that the average cost for minimum liability coverage is $150 per month or $1,800 per year in Clio, Michigan. The average annual premium for full coverage is $1,800, totaling about $150 monthly.
Although average insurance rates can estimate your insurance expenses, it is important to understand that several factors determine individual drivers' insurance premiums. These factors include the type of vehicle, driving record, claims history, and demographic information, so the final insurance costs for each driver can vary.

Car insurance quotes in Clio by rating factors 

Clio, Michigan car insurance companies consider several factors when
calculating your premium
, including: 
  • Driving record and claims history: Insurance providers may charge higher rates if your Michigan driving record shows a history of accidents or traffic violations.
  • Location: Rates tend to be higher for city drivers than rural drivers. Different ZIP codes within the same city may also have varying insurance rates.
  • Vehicle type: Luxury cars, high-performance vehicles, and sports cars generally have higher insurance costs for collision and comprehensive coverage.
  • Usage of the vehicle: If you use your car to commute to work or have higher annual mileage, insurance companies may charge higher premiums than leisure usage.
  • Credit score: Drivers with higher credit scores typically pay less for the same coverage—it’s considered an indicator of financial responsibility.
It's important to note that these factors can vary among insurance providers, so we recommend using an online comparison tool or app to get personalized quotes based on your specific circumstances.

How do different factors impact your car insurance costs in Clio?

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Allowed (with applicable limitations): Driving experience, gender, age, credit history, education, employment status, marital status, residential status.
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Prohibited (or effectively prohibited): Occupation.
Learn more about the car insurance rating factors in Clio:

Cheap car insurance quotes in Clio after driving violations

Your driving history plays a significant role in determining your auto insurance quotes. If insurance companies see a track record of violations, they consider you a higher-risk driver, resulting in higher insurance rates.
Some of the most common traffic violations that can increase your car insurance rates include:

Cheapest car insurance in Clio after speeding ticket

Speeding violations can be categorized into different degrees based on the extent of the speed limit exceeded. These categories typically include speeding 1-5 mph over the limit, 6-10 mph over the limit, 11-15 mph over the limit, 16-20 mph over the limit, and speeding over 21 mph over the limit.
A moving violation will almost always impact your car insurance rates, but Jerry has successfully helped drivers with varying speeding tickets keep their rates as low as possible.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Safeco
$68
Benjamin, 37
Zip: 48420
Jeep Cherokee
• 100,000/300,000 Liability
• Comp / Collision
Speeding 6-10
AAA
$59
Ryan, 30
Zip: 48420
KIA Sedona
• 50,000/100,000 Liability
coverageLast Updated Jul 17, 2024

Cheapest car insurance in Clio after DUI

A
Michigan DUI violation
typically leads to a higher increase in car insurance rates than other violations. 
If you have a DUI offense on your record, insurance rates can vary significantly among different insurance companies. It may be necessary to compare rates from multiple insurers to find the cheapest options after a DUI. 
Jerry has assisted several Clio drivers secure affordable auto insurance rates following a DUI.
card cover
Andre (37 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationClio, MI
(Zip Code: 48420)
$62
per month
card cover
Vincent (33 years old)
coverageCoverage
State Minimum
locationClio, MI
(Zip Code: 48420)
$65
per month

Cheapest car insurance in Clio after an at-fault accident

Your car accident or claim history is a crucial element that significantly impacts car insurance rates. 
Insurance companies carefully assess your previous at-fault accidents to evaluate the level of risk you pose as an insured individual. If you have been involved in a recent at-fault accident, it is possible for your Clio car insurance rates to increase dramatically.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$149
Gene, 27
Zip: 48420
Jeep Liberty Limited
• 100,000/300,000 Liability
Not At Fault
Safeco
$124
Sue, 27
Zip: 48420
Jeep Liberty Limited
• 100,000/300,000 Liability
At Fault With No Injury
Progressive
$149
Shane, 27
Zip: 48420
Jeep Liberty Limited
• 100,000/300,000 Liability
coverageLast Updated Jul 15, 2024

Cheapest car insurance in Clio after other driving violations

Aside from speeding tickets and DUIs, other violations like
reckless driving
and driving on a suspended license can also increase car insurance costs in Clio.
We’ve given you a list of different driving violations and how we helped Clio drivers find ways to save on their car insurance despite these infractions.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Nationwide
$75
Cynthia, 43
Zip: 48420
Smart Fortwo
• State Minimum Liability
• Comp / Collision
Defective Equipment
Progressive
$61
Douglas, 42
Zip: 48420
Mitsubishi Endeavor
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 13, 2024

Cheap car insurance quotes in Clio by age

Insurance rates for new drivers
are notably steep owing to their limited driving experience. However, as individuals age 25, their insurance rates tend to decrease. Conversely, car insurance costs tend to rise again once individuals reach the age of 75.  

Cheapest car insurance in Clio for young drivers

Teen drivers in Michigan
typically pay the highest insurance rates out of any age group in the state. Thanks to a higher likelihood of teenagers being involved in accidents compared to other age groups.
As such, teens who drive newer cars should opt for full coverage insurance for better financial protection.
card cover
Jane (24 years old)
coverageCoverage
State Minimum
locationClio, MI
(Zip Code: 48420)
carDodge Durango Crew
$235
per month
card cover
Lulu (22 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationClio, MI
(Zip Code: 48420)
$197
per month

Cheapest car insurance in Clio for senior drivers

Once individuals reach their mid-70s, car insurance rates begin to increase. This trend can be attributed to several factors contributing to higher seniors' insurance costs. 
Older drivers have a heightened vulnerability to accidents and are more prone to sustaining severe injuries in the event of a collision. Consequently, insurance providers incur significant medical expenses and experience elevated costs, leading to higher 
car insurance rates for seniors
.
See how we helped senior drivers in Clio find affordable car insurance.
card cover
Hester (75 years old)
coverageCoverage
State Minimum
locationClio, MI
(Zip Code: 48420)
$71
per month
card cover
Nannie (69 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationClio, MI
(Zip Code: 48420)
$59
per month

Cheap car insurance quotes in Clio based on insurance history

Your insurance history—how long you’ve been continuously insured—plays a crucial role in determining your car insurance rates.
Driving without insurance deems you a
high-risk driver
, and insurers want to know you’ve maintained continuous insurance for the duration you have been driving. Having a gap in your insurance coverage, regardless of the reason, results in higher car insurance rates. 
To assist our customers in making timely insurance payments and avoiding
coverage lapses
, Jerry sends payment reminders to eligible customers. These reminders are sent when a payment is approaching or if a customer has fallen behind on their payments.
We have successfully helped numerous customers who are currently without insurance or have experienced a lapse in coverage in finding opportunities to save on a new policy.
card cover
Janie (30 years old)
Currently Insured
coverageCoverage
State Minimum
locationClio, MI
(Zip Code: 48420)
$134
per month
card cover
Rose (36 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationClio, MI
(Zip Code: 48420)
carChevrolet Malibu 1LT
$139
per month
card cover
Luke (36 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationClio, MI
(Zip Code: 48420)
carChevrolet Malibu 1LT
$139
per month
card cover
Willie (30 years old)
Currently Insured
coverageCoverage
State Minimum
locationClio, MI
(Zip Code: 48420)
$134
per month
card cover
Theresa (36 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationClio, MI
(Zip Code: 48420)
carChevrolet Malibu 1LT
$139
per month

Cheap car insurance quotes in Clio for drivers with poor credit

In Michigan, it’s illegal for car insurance companies to use your credit history to set your rates, deny your application, or raise your premiums on renewal. However, drivers with poor credit might still pay higher rates due to related factors, such as insurance history and claims filing. 
According to our data, the national average car insurance premium for individuals in the highest credit bracket (over 750) is approximately 20% higher than the average cost for individuals with lower credit scores (under 550).
If your credit score isn’t up to par, Jerry can still help you find savings on car insurance in Clio.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
550 - 659
Progressive
$202
Bernice, 26
Zip: 48420
Chevrolet Impala LT
• State Minimum Liability
• Comp / Collision
< 550
Progressive
$134
Myrtie, 30
Zip: 48420
Pontiac G6
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 18, 2024

How to lower car insurance costs in Clio

1. Shop around and compare quotes

You won’t know you’ve found the best deal without comparing auto insurance quotes. Try to
shop for car insurance quotes
with at least three different providers every six months.
If you want to comparison shop in minutes with just a few taps, download Jerry. You’ll receive the most competitive quotes in Clio that’ll take the guesswork out of your hunt for cheap rates.

2. Hunt for car insurance discounts

A great
car insurance discount
is the difference between dreading your monthly bills and… well, not celebrating them, but maybe tolerating them. Take a look at these programs to lower your rates:
  • Good driver discounts: You're due for some savings if you've held a
    clean driving record
    for at least three years.
  • Telematics device discounts: Telematics devices reward calm and mellow driving habits over hard braking and speeding.
  • Good student discounts: College and high school students with a B average or better can save money on car insurance.
  • Insurance bundle discounts: You could save money if you
    bundle your home and auto insurance
    products from the same provider.

3. Increase your deductible for comprehensive and collision coverage

Increasing your deductible is an easy way to reduce your monthly payment without sacrificing coverage.

Why is car insurance in Clio so expensive? 

The cost of car insurance in Michigan can be higher due to several factors, including:
  • Crowded cities: Cities with a high population density tend to have more traffic congestion and a higher probability of accidents, resulting in increased insurance premiums.
  • Uninsured drivers: The presence of uninsured drivers on the roads can pose financial risks for insurance companies, leading to higher overall insurance costs for everyone.
  • Expensive healthcare: The cost of healthcare in Michigan can impact insurance premiums, as medical expenses associated with accidents and injuries are factored into coverage costs.
  • More highway traffic: Michigan has a relatively higher density of highways, which can contribute to an increased frequency of accidents and subsequently drive up insurance rates.
  • Rate of car thefts: Areas with a higher incidence of car thefts can lead to increased insurance costs, as insurers compensate for the higher risk of vehicle loss or damage.
  • High risk of natural disasters: Michigan is prone to natural disasters such as severe storms and floods, which can cause significant damage to vehicles. This increased risk contributes to higher insurance premiums.
Considering these factors, it’s not uncommon for car insurance in Michigan to be relatively expensive compared to other regions.

FAQ

What is the minimum car insurance in Clio, Michigan?

The state-minimum car insurance in Clio, Michigan is as follows:
  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $25,000 in property damage liability per accident
These coverages are commonly referred to as 50/100/25 coverage.

How much is car insurance in Clio?

People living in Clio pay on average $150 per month – or $1,800 per year – on state-minimum liability coverage. Full coverage in Clio costs on average $150 per month or $1,800 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Clio?

Based on thousands of Clio drivers Jerry has worked with, car insurance in Clio costs an average of $150 per month for state-minimum coverage and $150 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!  

What is the best car insurance in Clio?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica, Farmers, and The General receive good ratings from Clio drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Sarah Gray
badge icon
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.