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Jerry Data & Research
Cheapest car insurance in Madison Heights, Michigan (Nov 2024)
Cheapest car insurance in Madison Heights, Michigan (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Madison Heights, Michigan.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- Cheapest car insurance quotes in Madison Heights
- Best car insurance companies in Madison Heights
- Best cheap car insurance quotes in Madison Heights
- Average cost of car insurance in Madison Heights
- Car insurance quotes in Madison Heights by rating factors
- How do different factors impact your car insurance costs in Madison Heights?
- Cheap car insurance quotes in Madison Heights after driving violations
- Cheap car insurance quotes in Madison Heights by age
- Cheap car insurance quotes in Madison Heights based on insurance history
- Cheap car insurance quotes in Madison Heights for popular cars
- How to lower car insurance costs in Madison Heights
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Cheapest car insurance quotes in Madison Heights
On average, auto insurance in Madison Heights costs about $154 per month for minimum coverage liability insurance and about $223 per month for full coverage insurance. Madison Heights drivers pay 17% less 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 company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $199 | Alexander, 26 Zip: 48071 | Hyundai Sonata GL | • State Minimum Liability |
| Safeco | $105 | Luke, 31 Zip: 48071 | Acura TL | • 100,000/300,000 Liability |
Clearcover | $163 | Nathan, 26 Zip: 48071 | Chevrolet Cruze LT | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 19, 2024Best car insurance companies in Madison Heights
Jerry conducted the nation's largest insurance shopping survey to help you identify which auto insurance company offers the best rates in Madison Heights, Michigan.
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 report that
Travelers
offers some of the lowest rates in Madison Heights, but other car owners note that their rates increase swiftly as you increase your coverage levels.| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
Liberty Mutual | 4.7 | 4.7 | N/A | 4.3 |
| Safeco | 4.7 | 3.7 | N/A | 4.7 |
| Progressive | 4.2 | 3.6 | 3.4 | 4.1 |
| State Farm | 4 | 3.1 | 4.3 | 4.2 |
| Geico | 4 | 3 | N/A | 3.8 |
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.
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 Madison Heights, 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 Madison Heights
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 Madison Heights
Before legally driving your car, you’ll need to secure a policy meeting
Michigan’s minimum liability coverage requirements
.1
- $100,000 of bodily injury liability per accident
You’ll often hear this referred to as 50/100/15 coverage.
Check out these Madison Heights car owners who used Jerry to secure affordable minimum liability coverage.
Alexander (26 years old)
$199
per month
Do you need more than minimum coverage in Madison Heights?
Most drivers in Madison Heights 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 Madison Heights
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. - Collision coveragewill help cover the cost of repairing or replacing your accident-damaged vehicle.
- Comprehensive coveragepays for damage due to vandalism, environmental causes, and even theft.
If you purchase your vehicle using an auto loan, your loan provider will likely require that you buy full coverage car insurance.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $215 | Lee, 66 Zip: 48071 | Jeep Compass Sport |
• 100,000/300,000 Liability • Comp / Collision | Clearcover | $163 | Nathan, 26 Zip: 48071 | Chevrolet Cruze LT |
• State Minimum Liability • Comp / Collision | Bristol West | $267 | Lucas, 46 Zip: 48071 | Hyundai Azera |
Last Updated Nov 22, 2024
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Madison Heights
Jerry has found that the average cost for minimum liability coverage is $154 per month or $1,848 per year in Madison Heights, Michigan. The average annual premium for full coverage is $2,597, totaling about $216 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 Madison Heights by rating factors
Madison Heights, 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 Madison Heights?
How do different factors impact your car insurance costs in Madison Heights?
Allowed (with applicable limitations): Driving experience, gender, age, credit history, education, employment status, marital status, residential status.
Prohibited (or effectively prohibited): Occupation.
Learn more about the car insurance rating factors in Madison Heights:
Cheap car insurance quotes in Madison Heights 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 Madison Heights 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.
Last Updated Nov 16, 2024Cheapest car insurance in Madison Heights 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 Madison Heights drivers secure affordable auto insurance rates following a DUI.
Anthony (37 years old)
$68
per month
Charles (44 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Madison Heights, MI (Zip Code: 48071)
$62
per month
Cheapest car insurance in Madison Heights 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 Madison Heights car insurance rates to increase dramatically.
Last Updated Nov 16, 2024Cheapest car insurance in Madison Heights 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 Madison Heights.We’ve given you a list of different driving violations and how we helped Madison Heights drivers find ways to save on their car insurance despite these infractions.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Driving on Sus. License | Progressive | $204 | Brett, 42 Zip: 48071 | Chevrolet Silverado K2500 Heavy Duty | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 18, 2024Cheap car insurance quotes in Madison Heights 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 Madison Heights 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.
Gregory (24 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Madison Heights, MI (Zip Code: 48071)
$364
per month
Cheapest car insurance in Madison Heights 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 Madison Heights find affordable car insurance.
Lee (66 years old)
$215
per month
Cheap car insurance quotes in Madison Heights 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.
George (30 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Madison Heights, MI (Zip Code: 48071)
$97
per month
Leona (43 years old)
$182
per month
Harvey (30 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Madison Heights, MI (Zip Code: 48071)
$97
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I absolutely love being with Liberty Mutual. They are always making sure I'm informed of any changes in the laws or my policy
Desiree
They've been great so far
Jon
Wonderful customer service
Gage
Quick an easy to work with! Good pricing!
Justin
Cheap car insurance quotes in Madison Heights for popular cars
The vehicle you choose significantly influences your car insurance premiums. Various factors related to the type of car impact insurance costs, such as repair or replacement expenses, the probability of theft, and the overall safety performance of the vehicle.
Some of the most popular vehicles in the Great Lake State include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Civic Touring | Progressive | $196 | George, 60 Zip: 48071 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 22, 2024How to lower car insurance costs in Madison Heights
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 Madison Heights 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 aclean driving recordfor 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 youbundle your home and auto insuranceproducts 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 Madison Heights 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
Who has the cheapest auto insurance in Michigan?
Liberty Mutual earned the best ratings for cost satisfaction among Michigan drivers in a recent Jerry survey. However, other providers, including Esurance and Safeco may offer lower rates depending on your driver profile. Use Jerry to pull custom quotes from multiple companies to see which one offers the best rate for you.
Why is Michigan car insurance so high?
Michigan is a no-fault state with higher than average coverage requirements. This triggers high premiums for the majority of drivers, regardless of individual coverages. Discounts can help lower costs significantly—just ask your insurance company what you qualify for.
Who is the best auto insurance in Michigan?
According to a recent Jerry study, Liberty Mutual earned the top spot for overall satisfaction as well as policy cost satisfaction among Michigan drivers. However, Esurance and State Auto ranked slightly better in terms of customer service.
What is the average monthly car insurance in Michigan?
For minimum coverage, the average Michigan driver pays $118 per month (aka $1,413 per year). For robust full coverage, the monthly cost increases to approximately $197. Remember, your actual premium will be higher or lower, depending on your preferred coverages and your unique driver profile.
What is the recommended auto insurance coverage in Michigan?
50/100/10 is the minimum liability coverage required of all Michigan drivers: $50,000 per person in bodily injury, $100,000 per accident in bodily injury, and $10,000 per accident in property damage. Personal injury protection (PIP) and property protection insurance (PPI) are also mandatory in this state, but the coverage levels depend on your other coverage options (like health insurance).
Note that Michigan is the only state with the option for unlimited PIP coverage.
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
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Josh Damico
Head Of Insurance Operations
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.