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

Ready to start saving?

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