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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|
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|
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|
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|
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|
|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|
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)|
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.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.