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Cheapest car insurance in Riverview, Michigan (Nov 2024)
Cheapest car insurance in Riverview, Michigan (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Riverview, 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 Riverview
- Best car insurance companies in Riverview
- Best cheap car insurance quotes in Riverview
- Average cost of car insurance in Riverview
- Car insurance quotes in Riverview by rating factors
- How do different factors impact your car insurance costs in Riverview?
- Cheap car insurance quotes in Riverview after driving violations
- Cheap car insurance quotes in Riverview by age
- Cheap car insurance quotes in Riverview based on insurance history
- Cheap car insurance quotes in Riverview for popular cars
- How to lower car insurance costs in Riverview
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Cheapest car insurance quotes in Riverview
Drivers in Riverview pay approximately $204 per month for minimum
car insurance
, and $334 per month for full coverage. In this area, drivers pay about 70% more than the state average in Michigan
.If you want to find the most
affordable car insurance quotes
in Riverview, MI, your best bet is to shop around with multiple companies. Compare rates from top-rated companies with Jerry
and sign up for the cheapest policy—easier than reading this article.| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $123 | Gussie, 58 Zip: 48193 | Ford Focus S | • State Minimum Liability |
Last Updated Nov 22, 2024Best car insurance companies in Riverview
Rates are so individualized that there’s no single “best” company in Riverview. But it is possible to look at data from real policyholders.
In a recent nationwide survey, thousands of policyholders rated 87+ insurance companies on criteria like policy cost, claims handling, and customer service.
Travelers
rose to the top as offering some of the best rates in Riverview, but ratings diverged in other categories.Take a look at the table below to see how real policyholders rated their current provider in terms of cost effectiveness, claims handling, customer service, and more.
| 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.
Cheap rates in Riverview are easy to find with Jerry, the top-rated app that helps drivers compare options and
buy policies
. It’s free and fast, and Jerry can even help you cancel your old policy if you want to switch to a cheaper one.Note that you should speak with a business insurance agency about insurance products related to small business, even if your business includes vehicles. That’s outside the scope of this article and you deserve specialized advice!
Best cheap car insurance quotes in Riverview
Every single driver in the state of Michigan, whether you live in
Lansing
, Ann Arbor
, Detroit
, or Riverview, must adhere to the minimum coverage laws
.Michigan mandates liability coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), and property protection insurance (PP). That’s more coverage than most states require—but even so, many Michigan drivers opt to increase their protection with full coverage.
Cheap minimum liability insurance quotes in Riverview
The minimum liability coverage limits in Michigan are represented as 50/100/10. Here’s what that means:
- $100,000 in bodily injury liability per accident
In addition to the 50/100/10, drivers are also required to carry $1M in
property protection insurance
(PPI), and limits of either $500K, $250K, or $50K in personal injury protection
(PIP). You can also purchase unlimited limits of PIP. Drivers can only opt out of PIP if they have a qualifying health insurance plan that will cover any injuries they sustain in an accident.Despite these high liability requirements, local drivers in Riverview are paying affordable rates for minimum coverage. Check out these car insurance quotes in Riverview, MI.
Mittie (58 years old)
$140
per month
Do you need more than minimum coverage in Riverview?
Practically speaking, Michigan’s minimum coverage levels may not cover all the costs if you get into a serious accident.
Consider the cost of a brand new car—you’d have to pay this if you total someone’s vehicle. Then, there are medical bills associated with a lengthy hospital stay: surgeries and rehab can amount to several thousands of dollars.
Ultimately, your costs could very well exceed your policy limits, and if you can’t afford to pay the remaining costs, your future income and assets could be on the line. To improve your protection, bump up your liability limits to 100/300/100 or opt for a full coverage policy.
Ultimately, your costs could very well exceed your policy limits, and if you can’t afford to pay the remaining costs, your future income and assets could be on the line. To improve your protection, bump up your liability limits to 100/300/100 or opt for a full coverage policy.
Cheap full coverage car insurance quotes in Riverview
You know that liability kicks in to pay for damages you cause to others, but what about damage to your own vehicle?
Full coverage
protects your own car with two types of auto insurance coverage:- Collision coverage: Pays to repair or replace collision-related damage, from hitting another car or stationary object.
- Comprehensive coverage: Pays to repair or replace non-collision related damage, such as windstorm damage, vandalism, and even theft.
While the state doesn’t mandate full coverage, be aware that lenders can require this insurance policy. If you are driving a financed vehicle, check your agreement carefully before you purchase a policy to ensure you’re sticking to the contract.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Progressive | $162 | Rhoda, 34 Zip: 48193 | Jeep Compass Latitude |
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 Riverview
On average, Riverview drivers pay about $150 per month for car insurance. That’s about $1,795 per year.
Be careful with averages, though—you’ll probably pay more or less, depending on your driver profile. Your claims history, zip code, demographics, and vehicle information can push your rate higher or lower than the average figure.
Car insurance quotes in Riverview by rating factors
Every company uses a formula to
calculate your rates
. While each factor is assigned a different weight depending on the company, there are some key factors that often come into play:- Vehicle type: Some vehicles have better safety features and lower repair costs, so they cost less to insure. Sports cars and luxury vehicles tend to have higher insurance rates.
- Usage: Commuters put more miles on their odometer, which means more chances to get into accidents, leading to higher prices.
- Driving record and claims history: A history of violations indicates future risk, so keep a clean driving history to get the lowest rates.
- Location: Every zip code has its own risk profile. Areas with dense populations, high theft rates, and high accident rates usually have higher premiums.
- Credit score: Drivers with lower credit scores tend to pay more for coverage because data shows that they’re more likely to file claims.
Note that formulas change frequently. This means that your rate might change, and finding a lower rate may require you to switch to a new provider.
How do different factors impact your car insurance costs in Riverview?
How do different factors impact your car insurance costs in Riverview?
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 Riverview:
Cheap car insurance quotes in Riverview after driving violations
Your past behavior behind the wheel says a lot about how you’ll drive in the future. Insurance companies view you as a high-risk driver if you have a history of violations, and they’ll charge you a higher rate.
Beware these infractions that can seriously bump up your car insurance rates in Riverview:
- Speeding andreckless driving
- DUIs
- At-fault accidents
- Driving without a license
- Driving without insurance
Cheapest car insurance in Riverview after speeding ticket
In addition to the fees you pay for a
speeding ticket
, you’re also likely to face an increase in your car insurance premium. The amount of the rate hike usually depends on how fast over the limit you were traveling: 1-5, 6-10, 11-15, 16-20, and 21+ mph are the brackets.Speeding tickets are moving violations and they will almost always raise your rates. However, it’s not impossible to find cheaper premiums. Here are some real Riverview drivers with speeding tickets that found affordable coverage using Jerry.
Last Updated Nov 22, 2024Cheapest car insurance in Riverview after DUI
DUI convictions in Michigan
are very serious. Companies will raise your rates by a huge amount—far more than for other violations. Some may even refuse to cover you.For coverage in Michigan after a DUI, Riverview drivers are using Jerry to shop around and find a good fit.
Cheapest car insurance in Riverview after an at-fault accident
This one is a major red flag for insurance companies because it predicts future risk. If you have caused one or more at-fault accidents, you’re more likely to cause another one—so your rates jump up to accommodate potential filed claims.
Riverview drivers with at-fault accidents on record face higher-than-average rates. However, many have used Jerry to find coverage and get the best price despite their history.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Not At Fault | Progressive | $135 | Brent, 36 Zip: 48193 | KIA Optima LX | • 100,000/300,000 Liability |
Last Updated Nov 20, 2024Cheapest car insurance in Riverview after other driving violations
Even a minor violation—like rolling through a stop sign—could raise your premium costs in Riverview. A pattern of minor violations will lead to a bigger rate hike.
Here’s what similar drivers in Riverview are paying for insurance after different violations.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Progressive | $135 | Brent, 36 Zip: 48193 | KIA Optima LX | • 100,000/300,000 Liability |
Careless Driving | Progressive | $135 | Charlie, 36 Zip: 48193 | KIA Optima LX | • 100,000/300,000 Liability |
Failure to Obey Signal | Progressive | $135 | Owen, 36 Zip: 48193 | KIA Optima LX | • 100,000/300,000 Liability |
Last Updated Nov 21, 2024Cheap car insurance quotes in Riverview by age
Age is a key factor in determining risk, according to insurance companies. It’s partially due to the likelihood of getting into an accident but it’s also related to the cost of recovery after an accident.
Cheapest car insurance in Riverview for young drivers
Young drivers
have the least experience behind the wheel and are more likely to file several claims. This means that teen drivers in Riverview, MI
—especially between 16 and 19—pay the highest car insurance rates out of all age groups.Full coverage is a good option to help protect a teen’s vehicle, while providing the standard liability insurance. Take a look at some of the rates real teen drivers in Riverview received with Jerry.
Cheapest car insurance in Riverview for senior drivers
Middle-aged drivers enjoy relatively low rates, but this changes around age 75 as reflexes slow and hearing and vision loss occur.
Senior drivers
pay high rates for coverage because they’re more likely to cause accidents and they’re more susceptible to extreme injury in a car accident.Riverview seniors are reviewing free quotes and finding coverage with Jerry—check it out.
Cheap car insurance quotes in Riverview based on insurance history
Whether or not you have coverage right now, any previous
lapse in coverage
can trigger higher-than-average rates. Continuous coverage is preferred because it demonstrates responsibility. It also proves that you weren’t driving without coverage in the past.If this is you, you can join your Riverview neighbors in finding coverage after a lapse with Jerry. To prevent future lapses, Jerry sends helpful payment reminders so you can avoid unwanted cancellation and maintain coverage, all while assisting you in finding lower premiums.
Calvin (33 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Riverview, MI (Zip Code: 48193)
$162
per month
Kate (33 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Riverview, MI (Zip Code: 48193)
$162
per month
Adelaide (33 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Riverview, MI (Zip Code: 48193)
$162
per month
Eunice (33 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Riverview, MI (Zip Code: 48193)
$162
per month
Albert (33 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Riverview, MI (Zip Code: 48193)
$162
per month
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Cheap car insurance quotes in Riverview for popular cars
Some cars cost less to insure because they’re less risky: lower repair costs, better safety features, and lower theft rates. That’s why your make and model matter so much to insurers.
You’re in good company if you drive one of these popular Michigan cars;
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Civic | Travelers | $43 | Gilbert, 41 Zip: 48193 | • State Minimum Liability • Comp / Collision |
| Nissan Nissan_rogue | Progressive | $55 | Mabelle, 43 Zip: 48193 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 22, 2024How to lower car insurance costs in Riverview
1. Shop around and compare quotes
Every six months, your policy is up for renewal—and you should absolutely shop around before then. Rate formulas change so often that there’s no guarantee your current company will still be the cheapest company in the future. That’s why Jerry exists.
Take the guesswork out of car insurance shopping in Riverview by pulling custom quotes and coverage options. You can review rates for free from top companies, with no obligation to switch—although fact-finding might inspire you to make moves.
2. Hunt for car insurance discounts
Discounts can seriously lower your bills. Most insurance providers offer a slew of
car insurance discounts
. Here are some common ones:- Bundling discounts:Bundleyour auto with home or renters insurance at the same company and earn a discount on your homeowners insurance and your auto policy. You can usually bundle with life insurance, too.
- Good driver discounts: Go claims-free for several years and most companies will reward you with a healthy discount for having aclean record.
- Good student discounts: Full-time high school and college students can show proof of a B average to get a discount on their policies.
- Telematics discounts: These programs track your driving behavior and reward you for safe driving. You usually get a discount simply for signing up.
Ask your insurance agent if you’re eligible and what’s available to you, as not all discounts are advertised publicly.
3. Increase your deductible for comprehensive and collision coverage
If you can comfortably pay for a higher out-of-pocket deductible, this can help lower your auto insurance rates without losing any protection.
Why is car insurance in Riverview so expensive?
Rates in Michigan are notoriously high. That’s because Riverview (and other MI cities) have some unique risk factors:
- Uninsured drivers: Michigan has an unusually high number of uninsured drivers, which poses a risk for all drivers on the road—and drives up premiums.
- Thefts: Auto theft rates can push up rates dramatically, since insurers must compensate the victims and replace their vehicles.
- Healthcare costs: As in other states, healthcare costs are on the rise in Michigan. Insurance companies pass on these costs to policyholders.
- Urban density: Towns and cities with higher population densities have more highways and more traffic accidents, which means higher insurance rates.
- Extreme weather: Flooding and storms can cause serious damage to vehicles, which is a cost borne by all Michigan drivers.
FAQ
How much is car insurance in Riverview?
The average Riverview driver will pay anywhere between $204 and $334 per month for coverage, depending on whether they choose minimum or full coverage. That’s between $2,448 and $4,008 per year.
You could pay more or less, however, depending on the adjustments you make and your unique driver profile. Comparing auto insurance quotes with Jerry is the easiest way to get the lowest rate for your preferred coverage in Riverview.
What is the minimum car insurance in Riverview, Michigan?
50/100/10 are the minimum liability coverage levels in Riverview, Michigan. This means $50,000 per person and $100,000 per accident in bodily injury coverage, plus $10,000 in property damage liability.
Michigan drivers are also required to carry PIP (personal injury protection) and property protection insurance (PPI).
What is the cheapest car insurance in Riverview?
Travelers
tends to earn good ratings for policy affordability in Riverview, but there’s no guarantee which company will be the cheapest for every Riverview driver. Average rates hover around $269 per month but you should shop around with multiple companies to save money.What is the best car insurance in Riverview?
Amica
, Farmers
, and The General
receive good ratings from Riverview drivers. However, the best company for you might not be on this list. State Farm
insurance or another smaller company may be a better fit for your insurance needs. Remember to consider criteria like claims handling and customer service, in addition to policy cost. 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.