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Get Cheap Car Insurance in Royal Oak, MI

We monitor insurance prices, helping the average driver in Royal Oak save up to 41.9% on car insurance.

 

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The Cheapest Minimum Coverage in Royal Oak

The chart below shows the cheapest car insurance company in Royal Oak 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.

 
Royal Oak Insurer Monthly Cost
Auto-Owners Insurance $112
Progressive $128
State Farm $129
Safeco Insurance $136

Savings for Every Kind of Royal Oak Driver

The table shows how much the average auto insurance customer in Royal Oak might save by following our recommendations.

Based on our extensive insurance data, we know the average Royal Oak 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 $1,215 per year by choosing the right vehicle insurance company. Some Royal Oak residents are paying out over $3,024 extra every year for auto insurance in Royal Oak. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Royal Oak, MI Savings / Yr.
Drivers with good records
$1,215
Drivers with accidents
$1,984
Drivers with speeding tickets
$1,755
Drivers with a DUI conviction
$2,668
Young drivers
$3,148
Married drivers
$0
Drivers with bad credit
$0

Royal Oak Car Insurance vs. Michigan

People living in Royal Oak pay an average of 4.31% more than the typical driver in the state. The average driver in Royal Oak can expect to pay about $2,297 per year, or $3,024 for full coverage.

Based on our analysis, Safeco Insurance will be the cheapest provider in Royal Oak for most people.

Car Insurance Prices by Royal Oak Neighborhood

Royal Oak, MI map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Royal Oak?

The map shows insurance prices in and around Royal Oak, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $364 per year within the city boundaries, with insurance premiums ranging from a high of $3,226 to a low of $2,862. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northeast parts of Royal Oak.

Pick the Best Car Insurance Company for You in Royal Oak

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Royal Oak insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Royal Oak

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,215 over the average Royal Oak car insurance company.

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We use the average good driver, paying $151 per month, as our baseline for pricing in Royal Oak. Geico, Safeco Insurance, and Auto-Owners Insurance are all good choices for quotes if you have a clean record.

The best car insurance provider for Royal Oak drivers with accidents on their records

In Royal Oak getting into an accident will raise premiums an average 38% for a yearly cost of $4,883. That's $1,859 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Progressive, Auto-Owners Insurance, and Safeco Insurance are good choices for drivers with accidents.

In our analysis, Auto-Owners Insurance saved the average person who had been in an accident the most, with annual savings averaging $1,984 over the competition.

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The best car insurance company for Royal Oak drivers with speeding tickets

>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,755 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Royal Oak, tickets raise premiums on new quotes about $1,384. If you have a speeding ticket, we recommend Progressive, Auto-Owners Insurance, and Safeco Insurance for savings that beat the average insurance cost of $4,408 per year.

The best auto insurance for Royal Oak drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $6,370 per year in auto insurance premiums, which was $3,346 more than a driver with no major issues. Progressive, Auto-Owners Insurance, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Progressive may cost the average person with a DUI about $2,668 less each year.

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The least expensive car insurance company for new and young drivers in Royal Oak

In Royal Oak, Geico costs young drivers $3,148 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 65% more for insurance than more mature drivers in Royal Oak. With an average cost of $8,529 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like Geico, Progressive, and Auto-Owners Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Royal Oak

The state of Michigan does not allow marriage discounts, so the prices are unchanged if you are married

The cheapest car insurance in Royal Oak for drivers with bad credit

The state of Michigan does not allow companies to use credit score to figure out premiums, so the prices are unchanged regardless of credit score

The best Royal Oak car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Royal Oak, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Royal Oak.

Nationwide was the best company for customer service in Royal Oak according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Royal Oak, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Royal Oak. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Royal Oak

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 32% of Royal Oak residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Royal Oak driver can expect to pay about $163 per month.

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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 Royal Oak, 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.
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Auto Insurance Prices in and Around Royal Oak

What Influences the Cost of Car Insurance in Royal Oak?

On average, car insurance in Royal Oak 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 city are influenced by the following factors:

  • The average commute time in Royal Oak is 30 minutes, which is about the national average for a driver in the state.
  • 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 very high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
  • Royal Oak is one of the least populated areas in the state. The city’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 Royal Oak is $191 per month for minimum coverage and $252 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 Cities

Cities with Similar Populations

* Who is the average Royal Oak driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Royal Oak with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.