What's the average car insurance rate in Warren?

 

The typical Warren driver pays $4,425 per year for car insurance. That's greater than than the statewide average in Michigan ($3,096) and pricier than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Warren.

 
WARREN AUTO INSURANCE PREMIUMS
Warren Average (annual) Michigan Average U.S. Average
$4,425 $3,096 $1,548
 
Jump to:
  • Company
  • Age group
  • Gender and marital status
  • Driving history
  • Credit score

 

Warren car insurance rates by provider

 

The difference in auto insurance rates from company to company can be substantial. For a typical insurance customer, Progressive provides Warren's cheapest rates. See below the best options for affordable auto insurance in Warren. Don't forget to get car insurance quotes based on your driving profile.

 
WARREN AUTO INSURANCE RATES BY COMPANY
Insurance Company Average Annual Rate
Progressive $2,842
AAA $3,033
State Farm $4,013
The Hanover $7,202
Allstate $9,409
 

Check out our guide to learn how to find the best cheap car insurance.

 

Warren car insurance costs by age

Warren drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $4,189 per year, on average. Those in their 60s don't pay much more ($4,272).

The Warren drivers who face the priciest insurance rates are teenagers. When drivers hit their 20s in Warren and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Warren is $7,360, the largest such difference between any two age groups.

 
WARREN CAR INSURANCE RATES BY DRIVER AGE
Age group Average Annual Rate
Teenagers $12,833
20s $5,473
30s $4,430
40s $4,414
50s $4,189
60s $4,272
70s $5,028
 

Learn more about the impact of age on auto insurance rates.

 

Warren car insurance rates by marital status and gender

 

In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers usually pay less for car insurance than their single counterparts. In Warren, married motorists pay $40 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Warren, single drivers pay less than those who are widowed.

Gender is another factor that can impact auto insurance costs. In Warren, female drivers pay $109 per year more than do male drivers for car insurance.

 
WARREN CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/Gender Average Yearly Rate
Female $4,534
Male $4,425
Single $4,385
Married $4,385
Divorced $4,425
Widowed $4,425
 

Learn more about the impact gender and marital status have on insurance rates.

 

Warren auto insurance premiums by accident and citation history

 

If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Warren drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $10,312 per year versus the city average. A ticket for speeding results in a $3,079 rate hike, on average, while a DUI violation costs $10,008 per year in insurance premiums.

 
WARREN CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/Incident Average Annual Rate
DUI/DWI $14,433
Reckless Driving $14,737
At-fault Accident (damages less than $1,000) $6,590
At-fault Accident (damages greater than $2,000) $7,207
Speeding Ticket (16-20 mph over speed limit) $7,504
 

Learn more about the impact of driving violations on car insurance rates.

 

Warren car insurance rates by credit level

 

Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In fact, Warren drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn an 80% decrease in car insurance rates. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Warren, improving your credit to "Fair" corresponds with an $8,721 decrease in annual car insurance rates.

 
WARREN CAR INSURANCE RATES BY CREDIT SCORE
Credit Score Average Rate (annual)
Very Poor $14,578
Fair $5,857
Good $4,425
Very Good $3,591
Exceptional $2,913
 

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

 

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

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