Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Downtown Madison Heights, Madison Heights, MI
We monitor insurance prices, helping the average driver in Downtown Madison Heights save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Downtown Madison Heights
The chart below shows the cheapest car insurance company in Downtown Madison Heights for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by Progressive, State Farm, and Safeco Insurance.
| Downtown Madison Heights Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $117 |
| Progressive | $134 |
| State Farm | $135 |
| Safeco Insurance | $143 |
Savings for Every Kind of Downtown Madison Heights Driver
Based on our extensive insurance data, we know the average Downtown Madison Heights driver will save about 40% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $1,271 per year by choosing the right vehicle insurance company. Some Downtown Madison Heights residents are paying out over $3,162 extra every year for auto insurance in Downtown Madison Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Downtown Madison Heights, Madison Heights, MI Savings / Yr. |
|---|---|
$1,271 |
|
$2,075 |
|
$1,836 |
|
$2,790 |
|
$3,292 |
|
$0 |
|
$0 |
Downtown Madison Heights Car Insurance vs. Madison Heights
People living in Downtown Madison Heights pay an average of 9.08% more than the typical driver in the state. The average driver in Downtown Madison Heights can expect to pay about $2,402 per year, or $3,162 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Downtown Madison Heights for most people.
Car Insurance Prices by Downtown Madison Heights Neighborhood
Insurance Prices
Where is insurance cheapest within Downtown Madison Heights?
The map shows insurance prices in and around Downtown Madison Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $326 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,248 to a low of $2,922. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southwest parts of Downtown Madison Heights.Pick the Best Car Insurance Company for You in Downtown Madison Heights
The best car insurance provider for most drivers in Downtown Madison Heights
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,271 over the average Downtown Madison Heights car insurance company.
The best car insurance provider for Downtown Madison Heights drivers with accidents on their records
In our analysis, Auto-Owners Insurance saved the average person who had been in an accident the most, with annual savings averaging $2,075 over the competition.
The best car insurance company for Downtown Madison Heights drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,836 better than other car insurance companies.
The best auto insurance for Downtown Madison Heights drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,790 less each year.
The least expensive car insurance company for new and young drivers in Downtown Madison Heights
In Downtown Madison Heights, Geico costs young drivers $3,292 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Downtown Madison Heights
The cheapest car insurance in Downtown Madison Heights for drivers with bad credit
The best Downtown Madison Heights car insurance company for customer service
Nationwide was the best company for customer service in Downtown Madison Heights according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Downtown Madison Heights, which was better than other insurers.
The cheapest large national provider in Downtown Madison Heights
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Downtown Madison Heights driver can expect to pay about $163 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Downtown Madison Heights, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, and drivers with a DUI conviction.Auto Insurance Prices in and Around Downtown Madison Heights
What Influences the Cost of Car Insurance in Downtown Madison Heights?
On average, car insurance in Downtown Madison Heights is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in Downtown Madison Heights is 30 minutes, which is a little more than average for a driver in the city.
- Michigan state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- Downtown Madison Heights is a lightly populated area in the state. The neighborhood’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Downtown Madison Heights is $200 per month for minimum coverage and $264 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Downtown Royal Oak: Insurance costs 2.06% less
- Eight Mile Wyoming: Insurance costs 28.37% more
- Conant Gardens: Insurance costs 25.43% more
- State Fair-Nolan: Insurance costs 30.90% more
- Pershing: Insurance costs 30.80% more
- Pembroke: Insurance costs 27.29% more
- Kranz Woods: Insurance costs 32.86% more
- Bagley: Insurance costs 27.17% more
- Downtown Troy: Insurance costs 3.23% less
- Martin Park: Insurance costs 23.56% more
Neighborhoods with Similar Populations
- Downtown Belle Glade: Insurance costs 0.06% less
- Downtown Fostoria: Insurance costs 64.04% less
- Woodlawn Court: Insurance costs 41.30% less
- Wester: Insurance costs 43.93% less
- Scioto Trace: Insurance costs 63.95% less
- Pioneer: Insurance costs 49.18% less
- Palm Springs: Insurance costs 44.31% less
- Hopecrest: Insurance costs 54.43% less
- Maumee Uptown Historic District: Insurance costs 66.13% less
- Bayview Heights: Insurance costs 48.48% less