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Get Cheap Car Insurance in Southfield, MI
We monitor insurance prices, helping the average driver in Southfield save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Southfield
The chart below shows the cheapest car insurance company in Southfield 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.
| Southfield Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $134 |
| Progressive | $153 |
| State Farm | $155 |
| Safeco Insurance | $163 |
Savings for Every Kind of Southfield Driver
Based on our extensive insurance data, we know the average Southfield 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 $1,456 per year by choosing the right vehicle insurance company. Some Southfield residents are paying out over $3,622 extra every year for auto insurance in Southfield. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Southfield, MI Savings / Yr. |
|---|---|
$1,456 |
|
$2,377 |
|
$2,103 |
|
$3,196 |
|
$3,771 |
|
$0 |
|
$0 |
Southfield Car Insurance vs. Michigan
People living in Southfield pay an average of 24.96% more than the typical driver in the state. The average driver in Southfield can expect to pay about $2,752 per year, or $3,622 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Southfield for most people.
Car Insurance Prices by Southfield Neighborhood
Insurance Prices
Where is insurance cheapest within Southfield?
The map shows insurance prices in and around Southfield, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1,079 per year within the city boundaries, with insurance premiums ranging from a high of $4,221 to a low of $3,142. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the North parts of Southfield.Pick the Best Car Insurance Company for You in Southfield
The best car insurance provider for most drivers in Southfield
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,456 over the average Southfield car insurance company.
The best car insurance provider for Southfield 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 $2,377 over the competition.
The best car insurance company for Southfield drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $2,103 better than other car insurance companies.
The best auto insurance for Southfield drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $3,196 less each year.
The least expensive car insurance company for new and young drivers in Southfield
In Southfield, Geico costs young drivers $3,771 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Southfield
The cheapest car insurance in Southfield for drivers with bad credit
The best Southfield car insurance company for customer service
Nationwide was the best company for customer service in Southfield according to the NAIC.
Recent price drops
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The cheapest large national provider in Southfield
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Southfield 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 Southfield, 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 Southfield
What Influences the Cost of Car Insurance in Southfield?
On average, car insurance in Southfield 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:
- 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.
- Southfield 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 Southfield is $229 per month for minimum coverage and $302 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
- Lathrup Village: Insurance costs 1.88% less
- Bingham Farms: Insurance costs 13.69% less
- Beverly Hills: Insurance costs 15.71% less
- Franklin: Insurance costs 15.82% less
- Berkley: Insurance costs 17.53% less
- Oak Park: Insurance costs 1.66% less
- Huntington Woods: Insurance costs 18.11% less
- Birmingham: Insurance costs 17.09% less
- Royal Oak: Insurance costs 16.51% less
- Pleasant Ridge: Insurance costs 16.37% less
Cities with Similar Populations
- Quincy: Insurance costs 44.67% less
- Pleasanton: Insurance costs 43.46% less
- Palm Bay: Insurance costs 27.42% less
- Pasco: Insurance costs 58.12% less
- Owensboro: Insurance costs 42.99% less
- Orem: Insurance costs 60.88% less
- Phoenix: Insurance costs 47.21% less
- Orlando: Insurance costs 25.51% less
- Parma: Insurance costs 68.53% less
- Pearland: Insurance costs 48.70% less