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Get Cheap Car Insurance in Wayne, MI
We monitor insurance prices, helping the average driver in Wayne save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Wayne
The chart below shows the cheapest car insurance company in Wayne 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.
| Wayne Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $117 |
| Progressive | $134 |
| State Farm | $135 |
| Safeco Insurance | $142 |
Savings for Every Kind of Wayne Driver
Based on our extensive insurance data, we know the average Wayne 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 $1,269 per year by choosing the right vehicle insurance company. Some Wayne residents are paying out over $3,158 extra every year for auto insurance in Wayne. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Wayne, MI Savings / Yr. |
|---|---|
$1,269 |
|
$2,072 |
|
$1,834 |
|
$2,787 |
|
$3,288 |
|
$0 |
|
$0 |
Wayne Car Insurance vs. Michigan
People living in Wayne pay an average of 8.95% more than the typical driver in the state. The average driver in Wayne can expect to pay about $2,399 per year, or $3,158 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Wayne for most people.
Car Insurance Prices by Wayne Neighborhood
Insurance Prices
Where is insurance cheapest within Wayne?
The map shows insurance prices in and around Wayne, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $792 per year within the city boundaries, with insurance premiums ranging from a high of $3,674 to a low of $2,882. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southwest parts of Wayne.Pick the Best Car Insurance Company for You in Wayne
The best car insurance provider for most drivers in Wayne
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,269 over the average Wayne car insurance company.
The best car insurance provider for Wayne 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 $2,072 over the competition.
The best car insurance company for Wayne drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,834 better than other car insurance companies.
The best auto insurance for Wayne drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,787 less each year.
The least expensive car insurance company for new and young drivers in Wayne
In Wayne, Geico costs young drivers $3,288 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Wayne
The cheapest car insurance in Wayne for drivers with bad credit
The best Wayne car insurance company for customer service
Recent price drops
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The cheapest large national provider in Wayne
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Wayne 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 Wayne, 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 Wayne
What Influences the Cost of Car Insurance in Wayne?
On average, car insurance in Wayne 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 Wayne is 31 minutes, which is about the national average for a driver in the state.
- Michigan state insurance regulations may require higher prices.
- An average of 7 to 8 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Wayne 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 Wayne is $200 per month for minimum coverage and $263 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
- Westland: Insurance costs 1.58% more
- Inkster: Insurance costs 17.13% more
- Garden City: Insurance costs 2.91% less
- Romulus: Insurance costs 3.70% more
- Dearborn Heights: Insurance costs 2.34% more
- Canton: Insurance costs 1.90% less
- Taylor: Insurance costs 1.90% less
- Belleville: Insurance costs 2.72% less
- Livonia: Insurance costs 5.19% less
- Plymouth: Insurance costs 6.74% less
Cities with Similar Populations
- Chubbuck: Insurance costs 65.86% less
- Three Lakes: Insurance costs 3.01% more
- Thompsons Station: Insurance costs 55.67% less
- Theodore: Insurance costs 49.18% less
- Taylor: Insurance costs 43.89% less
- Tanque Verde: Insurance costs 44.74% less
- Sunny Vista: Insurance costs 37.65% less
- Summerfield: Insurance costs 62.32% less
- Streator: Insurance costs 54.02% less
- Concord: Insurance costs 40.37% less