Best Farmington Hills, Michigan Auto Insurance in 2024
The average Farmington Hills, MI auto insurance rates are $957 per month. The minimum auto insurance in Farmington Hills is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Farmington Hills, Michigan, compare quotes from multiple companies.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Sep 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Farmington Hills, Michigan is 20/40/10
- The most expensive auto insurance company in Farmington Hills for teen drivers is Allstate
- The average commute length in Farmington Hills is 25.5 minutes
Farmington Hills, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Farmington Hills can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Farmington Hills, Michigan, including driving record, credit, commute time, and more.
Compare auto insurance in Farmington Hills to other Michigan cities, including Flint auto insurance rates, Livonia auto insurance rates, and Dearborn auto insurance rates to see how Farmington Hills, Michigan auto insurance rates stack up.
Before you buy Farmington Hills, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Farmington Hills, Michigan auto insurance quotes.
Minimum Auto Insurance in Farmington Hills, Michigan
Farmington Hills, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Farmington Hills, Michigan.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Cheap Farmington Hills, Michigan Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Farmington Hills, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $18,280 | $18,280 | $16,928 | $16,928 | $46,311 | $46,311 | $19,274 | $19,274 |
| Farmers | $7,233 | $7,233 | $6,686 | $6,686 | $15,752 | $15,752 | $8,171 | $8,171 |
| Geico | $5,321 | $5,321 | $5,447 | $5,447 | $14,708 | $14,708 | $5,071 | $5,071 |
| Liberty Mutual | $15,097 | $15,097 | $14,949 | $14,949 | $35,324 | $35,324 | $15,097 | $15,097 |
| Nationwide | $4,876 | $4,876 | $4,334 | $4,334 | $13,034 | $13,034 | $5,358 | $5,358 |
| Progressive | $3,457 | $3,196 | $3,053 | $3,418 | $13,030 | $13,899 | $4,031 | $3,706 |
| State Farm | $9,743 | $9,743 | $9,080 | $9,080 | $34,878 | $34,878 | $11,463 | $11,463 |
| Travelers | $5,380 | $5,380 | $4,626 | $4,626 | $16,180 | $16,180 | $5,842 | $5,842 |
| USAA | $2,753 | $2,607 | $2,590 | $2,442 | $6,927 | $6,599 | $3,374 | $3,237 |
Cheap Farmington Hills, Michigan Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Farmington Hills, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Farmington Hills, Michigan.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $46,311 | $46,311 |
| Farmers | $15,752 | $15,752 |
| Geico | $14,708 | $14,708 |
| Liberty Mutual | $35,324 | $35,324 |
| Nationwide | $13,034 | $13,034 |
| Progressive | $13,030 | $13,899 |
| State Farm | $34,878 | $34,878 |
| Travelers | $16,180 | $16,180 |
| USAA | $6,927 | $6,599 |
Cheap Farmington Hills, Michigan Auto Insurance for Seniors
What are senior auto insurance rates in Farmington Hills, Michigan? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $16,928 | $16,928 |
| Farmers | $6,686 | $6,686 |
| Geico | $5,447 | $5,447 |
| Liberty Mutual | $14,949 | $14,949 |
| Nationwide | $4,334 | $4,334 |
| Progressive | $3,053 | $3,418 |
| State Farm | $9,080 | $9,080 |
| Travelers | $4,626 | $4,626 |
| USAA | $2,590 | $2,442 |
Cheap Farmington Hills, Michigan Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Farmington Hills, Michigan compared to the annual auto insurance rates with a clean record in Farmington Hills, Michigan.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $12,205 | $16,284 | $55,153 | $17,151 |
| Farmers | $7,899 | $10,184 | $10,012 | $9,746 |
| Geico | $2,639 | $5,670 | $17,305 | $4,933 |
| Liberty Mutual | $13,880 | $16,909 | $31,773 | $17,904 |
| Nationwide | $5,890 | $7,909 | $7,163 | $6,642 |
| Progressive | $5,049 | $6,671 | $5,978 | $6,196 |
| State Farm | $10,221 | $12,332 | $27,111 | $15,499 |
| Travelers | $5,416 | $7,736 | $12,473 | $6,404 |
| USAA | $3,062 | $3,834 | $5,028 | $3,340 |
Cheap Farmington Hills, Michigan Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Farmington Hills, Michigan is not easy. Compare the annual rates for DUI auto insurance in Farmington Hills, Michigan to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $55,153 |
| Farmers | $10,012 |
| Geico | $17,305 |
| Liberty Mutual | $31,773 |
| Nationwide | $7,163 |
| Progressive | $5,978 |
| State Farm | $27,111 |
| Travelers | $12,473 |
| USAA | $5,028 |
Cheap Farmington Hills, Michigan Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Farmington Hills, Michigan annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $38,211 | $21,152 | $16,232 |
| Farmers | $13,815 | $7,564 | $7,003 |
| Geico | $9,838 | $7,215 | $5,857 |
| Liberty Mutual | $31,823 | $18,379 | $10,148 |
| Nationwide | $8,666 | $6,514 | $5,523 |
| Progressive | $6,889 | $5,806 | $5,226 |
| State Farm | $26,480 | $13,354 | $9,040 |
| Travelers | $8,206 | $7,958 | $7,858 |
| USAA | $5,714 | $3,255 | $2,480 |
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Cheap Farmington Hills, Michigan Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Farmington Hills, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Farmington Hills, Michigan to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 48167 | $7,262 |
| 48331 | $8,494 |
| 48334 | $8,351 |
| 48335 | $7,910 |
| 48336 | $8,050 |
Cheap Farmington Hills, Michigan Auto Insurance Rates By Commute
Commute length and annual mileage affect Farmington Hills, Michigan auto insurance. Find the cheapest annual Farmington Hills, Michigan auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $25,198 | $25,198 |
| Farmers | $9,461 | $9,461 |
| Geico | $7,463 | $7,810 |
| Liberty Mutual | $19,429 | $20,804 |
| Nationwide | $6,901 | $6,901 |
| Progressive | $5,974 | $5,974 |
| State Farm | $15,842 | $16,740 |
| Travelers | $7,961 | $8,053 |
| USAA | $3,773 | $3,859 |
Cheap Farmington Hills, Michigan Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Farmington Hills, Michigan? Check out the comparison of annual Farmington Hills, Michigan auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $24,661 | $25,246 | $25,688 |
| Farmers | $9,126 | $9,426 | $9,830 |
| Geico | $7,132 | $7,564 | $8,214 |
| Liberty Mutual | $19,663 | $20,073 | $20,614 |
| Nationwide | $7,203 | $6,789 | $6,710 |
| Progressive | $5,776 | $5,981 | $6,163 |
| State Farm | $15,420 | $16,399 | $17,054 |
| Travelers | $7,920 | $8,016 | $8,086 |
| USAA | $3,689 | $3,827 | $3,932 |
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Best By Category: Cheapest Auto Insurance in Farmington Hills, Michigan
Compare the cheapest auto insurance companies in Farmington Hills, Michigan in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
The Cheapest Farmington Hills, Michigan Auto Insurance Companies
What auto insurance companies in Farmington Hills, Michigan are the cheapest? Compare the top Farmington Hills, Michigan auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $25,198 |
| Farmers | $9,461 |
| Geico | $7,637 |
| Liberty Mutual | $20,117 |
| Nationwide | $6,901 |
| Progressive | $5,974 |
| State Farm | $16,291 |
| Travelers | $8,007 |
| USAA | $3,816 |
What affects auto insurance rates in Farmington Hills, Michigan?
There are a lot of reasons why auto insurance rates in Farmington Hills, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Farmington Hills, Michigan. Many local factors may affect your Farmington Hills auto insurance rates.
Farmington Hills Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Farmington Hills, Michigan auto theft statistics, there have been 42 auto thefts in the city.
Farmington Hills Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Farmington Hills, Michigan commute length is 25.5 minutes according to City-Data.
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Compare Farmington Hills, Michigan Auto Insurance Quotes
Before you buy Farmington Hills, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Farmington Hills, Michigan auto insurance quotes.
Frequently Asked Questions
What does property damage liability coverage mean?
Property damage liability coverage is a type of auto insurance coverage that pays for damage you cause to another person’s property in an accident. It can include the repair or replacement costs for the other person’s vehicle or any other property damaged in the accident.
What does bodily injury liability coverage mean?
Bodily injury liability coverage is a type of auto insurance coverage that helps protect you financially if you cause an accident that results in injuries to another person. It typically covers medical expenses, lost wages, and legal expenses if you are sued.
How are auto insurance premiums determined?
Auto insurance premiums in Farmington Hills, MI are determined based on various factors, including:
- Your driving record and claims history
- Your age, gender, and marital status
- The type of vehicle you drive
- Your credit history
- The coverage limits and deductibles you choose
- The location where you live and park your vehicle
- The mileage you drive annually
Are there any discounts available for auto insurance in Farmington Hills, MI?
Yes, many insurance companies offer various discounts that can help lower your auto insurance premiums in Farmington Hills, MI. Common discounts include:
- Safe driver discounts for maintaining a clean driving record
- Multi-policy discounts for bundling your auto insurance with other policies, such as homeowners insurance
- Good student discounts for students who maintain a certain GPA
- Anti-theft device discounts for having security features installed in your vehicle
- Low mileage discounts for driving fewer miles annually
How can I find the best auto insurance policy in Farmington Hills, MI?
To find the best auto insurance policy in Farmington Hills, MI, it’s recommended to:
- Compare quotes from multiple insurance companies to get a better understanding of available coverage options and pricing.
- Consider the coverage limits, deductibles, and exclusions of each policy to ensure they meet your specific needs.
- Review customer reviews and ratings of insurance companies to assess their customer service and claims handling reputation.
- Consult with an insurance agent or broker who can guide you through the process and provide personalized recommendations based on your situation.
Can I cancel my auto insurance policy?
Yes, you can typically cancel your auto insurance policy in Farmington Hills, MI. However, it’s important to review your policy’s terms and conditions, as well as any potential cancellation fees or penalties that may apply. It’s recommended to have a new policy in place before canceling your current one to avoid any coverage gaps.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.