Car Insurance Cost for 2025 in Warren, Michigan

Is car insurance expensive in Warren, MI? We break down six different automotive segments to find the vehicles with the cheapest car insurance quotes.

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  • Warren, MI, car insurance cost averages $3,368 per year, or about $281 per month, for a full-coverage policy.
  • Warren, Michigan, auto insurance costs $510 per year more than the Michigan state average ($2,858) and $1,147 per year more than the average for all 50 states ($2,221).
  • Monthly car insurance rates for a few popular models in Warren include the Subaru Forester at $250, Honda Civic at $249, and Nissan Sentra at $257.
  • Compact models like the Kia Soul, Nissan Kicks, Buick Envision, and Ford Bronco Sport are the top choices for cheap car insurance in Warren, MI.
  • Auto insurance quotes in Warren can vary from as little as $31 per month for the minimum required liability coverage to well over $679 per month for teenage drivers and high-risk drivers.

What is average car insurance cost in Warren?

In Warren, average car insurance cost is $3,368 per year, which is 41% more than the U.S. average rate of $2,221. Per month, Warren car insurance costs approximately $281 for a full coverage policy.

In the state of Michigan, average car insurance cost is $2,858 per year, so the average cost in Warren is $510 more per year. The average cost of insurance in Warren compared to other Michigan cities is around $1,172 per year cheaper than in Detroit, $962 per year more than in Lansing, and $200 per year more expensive than in Sterling Heights.

The age of the rated driver has the single biggest impact on the price of auto insurance. The list below details how age impacts cost by showing average car insurance rates for young, middle-age, and senior drivers.

Average cost of car insurance in Warren, Michigan, by driver age

  • 16-year-old driver – $11,995 per year or $1,000 per month
  • 17-year-old driver – $11,619 per year or $968 per month
  • 18-year-old driver – $10,415 per year or $868 per month
  • 19-year-old driver – $9,483 per year or $790 per month
  • 20-year-old driver – $6,774 per year or $565 per month
  • 30-year-old driver – $3,592 per year or $299 per month
  • 40-year-old driver – $3,368 per year or $281 per month
  • 50-year-old driver – $2,984 per year or $249 per month
  • 60-year-old driver – $2,796 per year or $233 per month

The chart below summarizes car insurance cost in Warren, MI, for different common policy situations. Rates are averaged for all Warren Zip Codes and shown for a variety of driver ages and policy risk profiles.

Average car insurance rates in Warren for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Warren for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Warren includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Warren, MI
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$7,744$645
Safe Driver Age 20$6,774$565
At-fault Accidents Age 40$4,768$397
Low Deductibles Age 40$4,408$367
Safe Driver Age 30$3,592$299
Safe Driver Age 40$3,368$281
Safe Driver Age 50$2,984$249
High Deductibles Age 40$2,834$236
Safe Driver Age 60$2,796$233
Discount Rate Age 40$2,796$233

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 26, 2025

Average rates in the previous chart range from $2,796 per year for a middle-aged driver who meets the requirements for many policy discounts to $7,744 per year for a 20-year-old driver who is required to buy high risk car insurance. The rate we use for comparison of different models and locations is the 40-year-old safe driver rate, which is an average cost of $3,368 per year.

As a monthly rate, the average cost of car insurance in Warren ranges from $233 to $645 for the same driver risk profiles shown in the prior chart.

The previous car insurance rates in this article take all 2024 vehicle models and average them, which is useful when making broad comparisons like the difference in average auto insurance cost for two different locations in Michigan. Average auto insurance rates work very well when answering questions like “is car insurance in Warren cheaper than Grand Rapids?” or “is car insurance in Michigan cheaper than Illinois?”.

For more comprehensive auto insurance cost comparisons, however, the data will be more precise if we instead use rates for the specific model of vehicle being insured. Each individual vehicle model has a slightly different risk profile for liability and physical damage claims, and this data allows us to perform insurance cost comparisons.

The chart below details average car insurance rates for some of the more popular models on Warren streets.

Average cost to insure popular 2024 model year vehicles in Warren.
Figure 2: Average cost to insure popular 2024 model year vehicles in Warren. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Warren Zip Codes.

Warren, MI, Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Mazda CX-5$2,746$229
Honda CR-V$2,872$239
Honda Civic$2,982$249
Nissan Rogue$3,024$252
Ford Explorer$3,054$255
Chevrolet Equinox$3,102$259
Toyota RAV4$3,104$259
Hyundai Tucson$3,130$261
Chevrolet Traverse$3,142$262
Honda Accord$3,250$271
Honda Pilot$3,278$273
Kia Forte$3,288$274
Toyota Tacoma$3,410$284
Toyota 4Runner$3,608$301
Toyota Camry$3,616$301
Hyundai Elantra$3,660$305
Chevrolet Silverado$3,724$310
Ford F150$3,768$314
Ram Truck$3,894$325
Chevrolet Corvette$4,664$389

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Warren, MI Zip Codes. Updated June 26, 2025

The vehicle models that have high popularity in Warren tend to be compact or midsize sedans like the Toyota Corolla and Honda Accord and compact and midsize SUVs like the Ford Escape, Nissan Rogue, and Jeep Grand Cherokee.

Some additional popular models in Warren from other segments include luxury models like the BMW 530i and Cadillac XT5, pickup trucks like the Ford Ranger and Chevy Silverado, and sports cars like the Audi TT and Nissan GT-R.

We will cover different rates in much more detail in the upcoming sections, but before we get into that data, let’s take a quick look at the concepts we covered earlier.

  • Warren car insurance prices are more expensive than the Michigan state average – $3,368 (Warren average) versus $2,858 (Michigan average)
  • Monthly car insurance cost ranges from $233 to $1,000 – That’s the average car insurance cost range for drivers aged 16 to 60 in Warren.
  • Insuring teen drivers can cost a lot – Average cost can range from $8,018 to $11,995 per year for car insurance for teens in Warren, MI.
  • Car insurance rates drop significantly in your twenties – The average 30-year-old Warren, Michigan, driver will pay $3,182 less annually than a 20-year-old driver, $3,592 compared to $6,774.
  • Warren, MI, car insurance costs more than the U.S. average – $3,368 (Warren average) compared to $2,221 (U.S. average)

What is the cheapest car insurance in Warren, Michigan?

When all car, SUV, and pickup insurance rates are compared, the vehicles with the most affordable auto insurance quotes in Warren, MI, tend to be compact SUVs like the Subaru Crosstrek, Kia Soul, and Nissan Kicks.

Average car insurance rates for those models cost $2,734 or less per year for a full coverage policy.

Additional models that have affordable car insurance prices in our car insurance cost comparison are the Buick Envista, Ford Bronco Sport, Nissan Murano, and Subaru Outback. Average auto insurance rates are slightly higher for those models than the cheapest crossover SUVs that rank near the top, but they still have average rates of $2,930 or less per year ($244 per month) in Warren.

The table below details the top 40 cheapest vehicles to insure in Warren, ordered by cost.

Top 40 Cheapest Automobiles to Insure in Warren
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$2,488$207
2Chevrolet Trailblazer$2,530$211
3Kia Soul$2,628$219
4Nissan Kicks$2,652$221
5Honda Passport$2,682$224
6Buick Envision$2,698$225
7Toyota Corolla Cross$2,714$226
8Hyundai Venue$2,734$228
9Mazda CX-5$2,746$229
10Ford Bronco Sport$2,758$230
11Volkswagen Tiguan$2,786$232
12Acura RDX$2,814$235
13Nissan Murano$2,828$236
14Buick Encore$2,860$238
15Subaru Outback$2,868$239
16Honda CR-V$2,872$239
17Buick Envista$2,878$240
18Volkswagen Taos$2,884$240
19Kia Niro$2,900$242
20Toyota GR Corolla$2,926$244
21Honda HR-V$2,930$244
22Subaru Ascent$2,930$244
23Nissan Leaf$2,948$246
24Chevrolet Colorado$2,968$247
25Lexus NX 250$2,980$248
26Honda Civic$2,982$249
27Volkswagen Atlas$2,986$249
28Acura Integra$2,994$250
29Subaru Forester$2,996$250
30Volkswagen Atlas Cross Sport$3,000$250
31Kia Seltos$3,008$251
32GMC Terrain$3,014$251
33Nissan Rogue$3,024$252
34Hyundai Kona$3,030$253
35Mazda CX-30$3,036$253
36Cadillac XT4$3,040$253
37Volkswagen ID4$3,052$254
38Ford Explorer$3,054$255
39Toyota Highlander$3,064$255
40Ford Escape$3,072$256

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Warren, MI Zip Codes. Updated June 26, 2025

Top 40 cheapest vehicles to insure in Warren, MI with the Subaru Crosstrek ranking first at $2,488 per year
Top 40 cheapest vehicles to insure in Warren, MI with the Subaru Crosstrek ranking first at $2,488 per year

The above table containing 40 vehicles with the cheapest insurance in Warren doesn’t really provide a comprehesive view of the cost of auto insurance. Considering the fact that we rate over 700 vehicles, a lot of models get left out.

Let’s dig deeper into the data and display the models with the cheapest rates in a more useful format. The sections below list the vehicles with the lowest cost auto insurance rates in Warren for the most popular vehicle segments.

Cheapest cars to insure in Warren, MI

Ranking at the top of the list for the cheapest Warren auto insurance rates in the non-luxury sedan or hatchback segment are the Nissan Leaf, Toyota GR Corolla, Nissan Sentra, Subaru Impreza, and Honda Civic. Car insurance rates for these vehicles average $3,094 or less per year, or around $258 per month.

Additional cars that rank well include the Chevrolet Malibu, Toyota Corolla, Honda Accord, and Kia K5, with an average car insurance cost of $3,280 per year or less.

Some additional vehicles that rank well include the Hyundai Ioniq 6, Nissan Versa, Mitsubishi Mirage G4, Volkswagen Jetta, and Volkswagen Arteon, which cost between $3,280 and $3,482 per year to insure in Warren.

From a cost per month standpoint, auto insurance rates in Warren on this segment for the average driver can cost as low as $244 per month, depending on your location and insurance company.

The comparison table below ranks the cars with the cheapest car insurance rates in Warren, starting with the Toyota GR Corolla at $2,926 per year ($244 per month) and ending with the Mazda 3 at $3,482 per year ($290 per month).

Cheapest Insurance for Cars in Warren, MI
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,926$244
Nissan LeafCompact$2,948$246
Honda CivicCompact$2,982$249
Nissan SentraCompact$3,086$257
Subaru ImprezaCompact$3,094$258
Toyota PriusCompact$3,146$262
Kia K5Midsize$3,242$270
Honda AccordMidsize$3,250$271
Chevrolet MalibuMidsize$3,266$272
Toyota CorollaCompact$3,280$273
Kia ForteCompact$3,288$274
Volkswagen ArteonMidsize$3,308$276
Nissan VersaCompact$3,318$277
Subaru LegacyMidsize$3,322$277
Hyundai Ioniq 6Midsize$3,350$279
Mitsubishi Mirage G4Compact$3,398$283
Volkswagen JettaCompact$3,406$284
Toyota CrownMidsize$3,408$284
Hyundai SonataMidsize$3,416$285
Mazda 3Compact$3,482$290

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Warren, MI Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Warren, MI, with the Toyota GR Corolla ranking first at $2,926 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Warren, MI, with the Toyota GR Corolla ranking first at $2,926 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Don’t see insurance cost for your vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Michigan.

Cheapest SUV insurance rates in Warren

Ranked at #1 in Warren for cheapest average insurance rates in the non-luxury SUV segment is the Subaru Crosstrek, at an average of $2,488 per year. Second place is the Chevrolet Trailblazer costing $2,530 per year, in third place is the Kia Soul, at an average of $2,628 per year, and coming in fourth is the Nissan Kicks, costing an average of $2,652 per year.

Not the cheapest to insure, but still ranked well, are SUVs like the Mazda CX-5, Hyundai Venue, Toyota Corolla Cross, and Ford Bronco Sport, with an average cost to insure of $2,758 per year or less.

From a monthly standpoint, auto insurance rates on this segment in Warren starts at around $207 per month, depending on your location.

If rates are ranked based on vehicle size, the most budget-friendly compact SUV to insure in Warren is the Subaru Crosstrek at $2,488 per year. For midsize SUVs, the Honda Passport has the cheapest rates at $2,682 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $3,162 per year.

The next table ranks the SUVs with the cheapest insurance rates in Warren, starting with the Subaru Crosstrek at $207 per month and ending with the Subaru Ascent at $244 per month.

Cheapest Insurance for SUVs in Warren, MI
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$2,488$207
Chevrolet TrailblazerCompact$2,530$211
Kia SoulCompact$2,628$219
Nissan KicksCompact$2,652$221
Honda PassportMidsize$2,682$224
Buick EnvisionCompact$2,698$225
Toyota Corolla CrossCompact$2,714$226
Hyundai VenueCompact$2,734$228
Mazda CX-5Compact$2,746$229
Ford Bronco SportCompact$2,758$230
Volkswagen TiguanCompact$2,786$232
Nissan MuranoMidsize$2,828$236
Buick EncoreCompact$2,860$238
Subaru OutbackMidsize$2,868$239
Honda CR-VCompact$2,872$239
Buick EnvistaMidsize$2,878$240
Volkswagen TaosCompact$2,884$240
Kia NiroCompact$2,900$242
Honda HR-VCompact$2,930$244
Subaru AscentMidsize$2,930$244

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Warren, MI Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Warren, MI, with the Subaru Crosstrek ranking first at $2,488 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Warren, MI, with the Subaru Crosstrek ranking first at $2,488 per year.

For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see insurance cost for your SUV? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Michigan.

Cheapest pickup truck insurance rates

Ranking at the top of the list for the most affordable Warren car insurance rates in the pickup truck segment are the Chevrolet Colorado, Nissan Frontier, Ford Maverick, Nissan Titan, and Ford Ranger. Car insurance rates for these vehicles average $3,266 or less per year.

Other pickups that have affordable average insurance rates include the Honda Ridgeline, Hyundai Santa Cruz, GMC Sierra 2500 HD, and GMC Canyon, with average cost of $3,464 per year or less.

From a cost per month standpoint, full-coverage insurance in Warren on this segment for a safe driver starts at around $247 per month, depending on the company.

The rate comparison table below ranks the twenty pickups with the lowest-cost auto insurance rates in Warren, starting with the Chevrolet Colorado at $2,968 per year and ending with the Ram Truck at $3,894 per year.

Cheapest Insurance for Pickups in Warren, MI
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,968$247
Nissan TitanFull-size$3,150$263
Nissan FrontierMidsize$3,182$265
Ford RangerMidsize$3,218$268
Ford MaverickMidsize$3,266$272
Honda RidgelineMidsize$3,340$278
Hyundai Santa CruzMidsize$3,398$283
Toyota TacomaMidsize$3,410$284
GMC Sierra 2500 HDHeavy Duty$3,424$285
GMC CanyonMidsize$3,464$289
Jeep GladiatorMidsize$3,548$296
GMC Sierra 3500Heavy Duty$3,566$297
Chevrolet Silverado HD 3500Heavy Duty$3,600$300
Chevrolet Silverado HD 2500Heavy Duty$3,696$308
GMC SierraFull-size$3,718$310
Nissan Titan XDHeavy Duty$3,722$310
Chevrolet SilveradoFull-size$3,724$310
Ford F150Full-size$3,768$314
GMC Hummer EV PickupFull-size$3,862$322
Ram TruckFull-size$3,894$325

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Warren, MI Zip Codes. Updated June 26, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Warren, MI, with the Chevrolet Colorado ranking first at $2,968 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Warren, MI, with the Chevrolet Colorado ranking first at $2,968 per year.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Looking for insurance rates for a different truck? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Warren car insurance quotes from top-rated companies in Michigan.

Cheapest luxury car insurance rates

For 2024 models, the five most affordable luxury cars to insure in Warren are the Acura Integra, BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. Rates for for these vehicles range from $2,994 to $3,484 per year.

Not the cheapest luxury cars to insure, but still very reasonable, are luxury cars like the Cadillac CT4, Lexus ES 350, Mercedes-Benz AMG CLA35, and Lexus RC 300, with average cost of $3,540 per year or less.

Ranking between positions 10 and 20, models like the Lexus ES 300h, BMW 330e, Audi S3, Lexus IS 350, Lexus ES 250, and Cadillac CT5 cost between $3,540 and $3,776 per year for auto insurance in Warren.

As a cost per month, car insurance in Warren on this segment for the average driver starts at an average of $250 per month, depending on the company and your location.

The most affordable small luxury car to insure in Warren is the Acura Integra at $2,994 per year. For midsize luxury cars, the Mercedes-Benz CLA250 has the best rates at $3,466 per year. And for large luxury cars, the Audi A5 is most affordable to insure at $4,000 per year.

The next table ranks the twenty cars with the most affordable insurance in Warren, starting with the Acura Integra at $2,994 per year ($250 per month) and ending with the Audi S3 at $3,776 per year ($315 per month).

Cheapest Insurance for Luxury Cars in Warren, MI
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,994$250
BMW 330iCompact$3,428$286
Mercedes-Benz CLA250Midsize$3,466$289
Lexus IS 300Midsize$3,470$289
Acura TLXCompact$3,484$290
Lexus ES 350Midsize$3,514$293
Cadillac CT4Compact$3,518$293
Genesis G70Compact$3,524$294
Mercedes-Benz AMG CLA35Midsize$3,530$294
Lexus RC 300Midsize$3,540$295
Lexus IS 350Compact$3,554$296
Jaguar XFMidsize$3,564$297
Cadillac CT5Midsize$3,628$302
Lexus ES 250Midsize$3,642$304
Lexus RC 350Compact$3,654$305
BMW 330eCompact$3,656$305
BMW 228iCompact$3,662$305
BMW 230iCompact$3,690$308
Lexus ES 300hMidsize$3,696$308
Audi S3Compact$3,776$315

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Warren, MI Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Warren, MI, with the Acura Integra ranking first at $2,994 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Warren, MI, with the Acura Integra ranking first at $2,994 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Looking for rates for a different vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Michigan.

Cheapest luxury SUVs to insure in Warren

Ranking #1 in Warren for cheapest insurance in the luxury SUV segment is the Acura RDX, with a cost of $2,814 per year. Second place is the Lexus NX 250 at $2,980 per year, and the third most affordable is the Cadillac XT4, at an average of $3,040 per year.

Also ranking well are luxury SUVs like the Mercedes-Benz GLB 250, Lincoln Corsair, Lexus NX 350h, and Lexus NX 450h, with average cost of $3,246 per year or less.

Ranked lower than 10th place, but still in the top 20, SUVs like the Infiniti QX60, Mercedes-Benz GLA35 AMG, Mercedes-Benz GLA250, Mercedes-Benz AMG GLB35, and Land Rover Evoque average between $3,246 and $3,380 to insure per year in Warren.

From a monthly standpoint, full-coverage auto insurance on this segment in Warren for the average driver will start around $235 per month, depending on where you live.

The comparison table below ranks the SUVs with the cheapest car insurance in Warren, starting with the Acura RDX at $235 per month and ending with the Lexus RX 350 at $282 per month.

Cheapest Insurance for Luxury SUVs in Warren, MI
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,814$235
Lexus NX 250Compact$2,980$248
Cadillac XT4Compact$3,040$253
Jaguar E-PaceMidsize$3,148$262
Cadillac XT5Midsize$3,176$265
Lexus NX 350hCompact$3,176$265
Lincoln CorsairCompact$3,216$268
Mercedes-Benz GLB 250Compact$3,224$269
Lexus UX 250hCompact$3,228$269
Lexus NX 450hCompact$3,246$271
Infiniti QX50Midsize$3,272$273
Mercedes-Benz GLA250Compact$3,284$274
Cadillac XT6Midsize$3,294$275
Mercedes-Benz GLA35 AMGCompact$3,294$275
Infiniti QX60Midsize$3,312$276
Mercedes-Benz AMG GLB35Midsize$3,316$276
Land Rover EvoqueCompact$3,360$280
Acura MDXMidsize$3,364$280
Lexus NX 350Compact$3,376$281
Lexus RX 350Midsize$3,380$282

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Warren, MI Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Warren, MI, with the Acura RDX ranking first at $2,814 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Warren, MI, with the Acura RDX ranking first at $2,814 per year.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Don’t see rates for your luxury SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Warren car insurance quotes from top companies in Michigan.

Cheapest sports car insurance rates

The cheapest sports cars to insure in Warren are the Mazda MX-5 Miata at $3,116 per year, the Toyota GR86 at $3,548 per year, and the Ford Mustang at $3,698 per year.

Additional models that have good average insurance rates include the Toyota GR Supra, Nissan Z, Subaru BRZ, and Lexus RC F, with average annual insurance rates of $4,026 per year or less.

Ranking between positions 10 and 20, cars like the Jaguar F-Type, BMW M4, Chevrolet Corvette, Porsche Taycan, Chevrolet Camaro, and Porsche 911 cost between $4,026 and $5,702 to insure per year.

Full-coverage car insurance in this segment for a safe driver can cost as low as $260 per month, depending on the company. The next table ranks the sports cars with the most affordable average insurance rates in Warren, starting with the Mazda MX-5 Miata at $3,116 per year and ending with the Porsche Taycan at $5,702 per year.

Cheapest Insurance for Sports Cars in Warren, MI
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$3,116$260
Toyota GR86Sports Car$3,548$296
Ford MustangSports Car$3,698$308
BMW Z4Sports Car$3,720$310
Subaru WRXSports Car$3,776$315
Toyota GR SupraSports Car$3,782$315
BMW M2Sports Car$3,894$325
Nissan ZSports Car$3,900$325
Lexus RC FSports Car$3,980$332
Subaru BRZSports Car$4,026$336
BMW M3Sports Car$4,254$355
Porsche 718Sports Car$4,336$361
Chevrolet CamaroSports Car$4,376$365
Chevrolet CorvetteSports Car$4,664$389
Porsche 911Sports Car$4,824$402
BMW M4Sports Car$5,026$419
Lexus LC 500Sports Car$5,052$421
Jaguar F-TypeSports Car$5,312$443
Mercedes-Benz AMG GT53Sports Car$5,572$464
Porsche TaycanSports Car$5,702$475

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Warren, MI Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Warren, MI, with the Mazda MX-5 Miata ranking first at $3,116 per year.
Ranking of the cheapest sports cars to insure in Warren, MI, with the Mazda MX-5 Miata ranking first at $3,116 per year.

Don’t see your sports car? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Warren.

Car insurance rate variability

To emphasize the importance of how much the cost of the same car insurance policy can deviate for different drivers (and also emphasize the importance of accurate rate quotes), the charts below visualize detailed rates for three popular vehicles in Warren: the Ford F150, Toyota RAV4, and Toyota Highlander.

Each vehicle example shows average rates for a range of driver profiles to demonstrate the difference in average cost with only minor changes to the policy risk factors.

Ford F150 insurance rates

Car insurance for a Ford F150 in Warren costs an average of $3,768 per year ($314 per month) and ranges from $3,124 to $8,700 annually.

Average 2024 Ford F150 insurance premiums in Warren for different driver ages and risk scenarios.
Figure 3: Average 2024 Ford F150 insurance premiums in Warren for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Warren includes all Zip Codes and vehicle trim levels.

2024 Ford F150 Insurance Cost in Warren, MI
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$8,700$725
Safe Driver Age 20$7,618$635
At-fault Accidents Age 40$5,346$446
Low Deductibles Age 40$4,936$411
Safe Driver Age 30$4,022$335
Safe Driver Age 40$3,768$314
Safe Driver Age 50$3,338$278
High Deductibles Age 40$3,168$264
Discount Rate Age 40$3,124$260
Safe Driver Age 60$3,122$260

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford F150 trim levels. Updated June 26, 2025

The Ford F150 is a full-size truck, and other popular models in the same segment include the Toyota Tundra, Nissan Titan, Ram Truck, and GMC Sierra.

Toyota RAV4 insurance rates

In Warren, Toyota RAV4 insurance averages $3,104 per year, or about $259 per month, and ranges from $2,578 to $7,144.

Average 2024 Toyota RAV4 insurance premiums in Warren for different driver ages and risk scenarios.
Figure 4: Average 2024 Toyota RAV4 insurance premiums in Warren for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota RAV4 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota RAV4 car insurance cost in Warren includes all Zip Codes and vehicle trim levels.

2024 Toyota RAV4 Insurance Cost in Warren, MI
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$7,144$595
Safe Driver Age 20$6,244$520
At-fault Accidents Age 40$4,410$368
Low Deductibles Age 40$4,020$335
Safe Driver Age 30$3,308$276
Safe Driver Age 40$3,104$259
Safe Driver Age 50$2,762$230
High Deductibles Age 40$2,634$220
Safe Driver Age 60$2,584$215
Discount Rate Age 40$2,578$215

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota RAV4 trim levels. Updated June 26, 2025

The Toyota RAV4 is a compact SUV, and other models from that segment that are popular in Warren, MI, include the Honda CR-V, Nissan Rogue, and Subaru Forester.

Toyota Highlander insurance rates

Car insurance for a Toyota Highlander in Warren averages $3,064 per year, or about $255 per month, and ranges from $2,546 to $7,002.

Average 2024 Toyota Highlander insurance premiums in Warren for different driver ages and risk scenarios.
Figure 5: Average 2024 Toyota Highlander insurance premiums in Warren for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Highlander with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Highlander car insurance cost in Warren includes all Zip Codes and vehicle trim levels.

2024 Toyota Highlander Insurance Cost in Warren, MI
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$7,002$584
Safe Driver Age 20$6,136$511
At-fault Accidents Age 40$4,298$358
Low Deductibles Age 40$4,076$340
Safe Driver Age 30$3,276$273
Safe Driver Age 40$3,064$255
Safe Driver Age 50$2,704$225
Discount Rate Age 40$2,546$212
High Deductibles Age 40$2,542$212
Safe Driver Age 60$2,532$211

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Highlander trim levels. Updated June 27, 2025

The Toyota Highlander is part of the midsize SUV segment, and other models in the same segment include the Kia Sorento, Honda Pilot, Kia Telluride, and Ford Explorer.

How to find cheaper Warren car insurance

Financially savvy drivers should always be thinking of ways to reduce the monthly expense for auto insurance So take a minute or two to look through the savings tips below and maybe you can save some money the next time you buy a policy.

  • A clean driving record saves money. To get affordable auto insurance in Warren, it pays to follow the law. As a matter of fact, just a couple traffic citations could result in increasing insurance rates by as much as $896 per year.
  • Your employment could earn you policy discounts. The vast majority of auto insurance providers offer policy discounts for earning a living in occupations like emergency medical technicians, scientists, nurses, accountants, police officers and law enforcement, high school and elementary teachers, and others. Obtaining this discount may save between $101 and $327 on your auto insurance cost, subject to the policy coverages selected.
  • Get cheaper rates by researching policy discounts. Discounted rates may be available if the insureds are senior citizens, insure their home and car with the same company, sign their policy early, drive a vehicle with safety or anti-theft features, or many other policy discounts which could save the average Warren driver as much as $572 per year on auto insurance.
  • Compare insurance rates before buying a car. Different vehicles, and even different trims of the same vehicle, can have significantly different car insurance rates, and insurers can sell policies with a wide range of prices. Get multiple insurance quotes before you upgrade you car so you can avoid price shock when you see your first bill.
  • Better credit scores yield better car insurance rates. Drivers who maintain a credit score over 800 could save $529 per year compared to a credit score ranging from 670-739. Conversely, a less-than-perfect credit history could cost as much as $613 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Shop around for a better deal. Taking the time to get a few free car insurance quotes is a great way to save money. Companies change rates often and you can change companies at any time.