Warren Car Insurance

The Zebra
May 30, 2018

Car Insurance in Warren

Premiums in Warren, which are $816 greater than Michigan's average, are recognized for being pricey. Therefore understanding premium costs while insuring a vehicle in Warren is critical. Who doesn't like to save money? Check out some methods to save on car insurance in Warren.

  • City Average: $3,426
  • State Average: $2,610
  • National Average: $1,427

Warren Car Insurance by Gender and Marital Status

Both marital status and gender have an effect on your car insurance premiums in Warren. $98 is the amount by which men's and women's car insurance premiums differ. You spend around $40 more per year if you're single or divorced as opposed to married. In contrast, widowed and divorced individuals pay the same as drivers who are single.

  • Female: $3,524
  • Male: $3,426
  • Single: $3,426
  • Married: $3,385
  • Divorced: $3,426
  • Widowed: $3,426

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Warren Car Insurance by Accident or Violation History

By avoiding driving mishaps that can make your rates spike, you can not only save yourself money, but become a safer driver. A DUI will increase your car insurance premiums more than other driving violations. In Warren, drivers with a DUI need to spend nearly triple the average for the city to insure their vehicle. Reckless driving will also drive your premiums up, with average rates of $9,782, which are 186% higher than the city average! Accidents happen, even to safe drivers, so be prepared and learn what can happen to your rates after one. If you are found at-fault in an accident in Warren, you can expect your yearly car insurance premiums to grow by $1,764.

  • DUI: $10,086
  • Reckless Driving: $9,782
  • At-fault Accident (damages less than $1000): $5,190
  • At-fault Accident (damages greater than $2000): $5,190
  • Speeding Ticket (16-20 mph over speed limit): $5,781

Warren Car Insurance by Credit Rating

Average car insurance premiums in Warren for individuals with Very Poor credit (300-579) are over triple the premiums for those with Exceptional credit (800-850). Drivers will see the largest percent reduction in premiums when they upgrade their credit from Very Poor (300-579) to Fair (580-669). That change can save them 28% per year.

  • Very Poor: $9,055
  • Fair: $6,504
  • Good: $5,002
  • Very Good: $3,741
  • Exceptional: $2,842

Warren Car Insurance by Age

Teenage drivers have the highest rates of any age group, with car insurance payments of $10,933 on average. When Warren drivers hit their 20s, therefore moving out of the teenage age range, they save an average of 60% every year, which is the biggest gap you'll see between any age group. When drivers turn 60, they will experience a car insurance premium increase related to their age for the first time. At $3,182, drivers in their 50s have the smallest insurance payments among any age group. People in their 60s ($3,257) aren’t paying significantly more.

  • Teenagers: $10,933
  • 20s: $4,423
  • 30s: $3,442
  • 40s: $3,396
  • 50s: $3,182
  • 60s: $3,257
  • 70s: $3,814