Car Insurance Cost for 2024 in Warren, Michigan

• Warren, MI, car insurance cost averages $3,000 per year, or about $250 per month, for a full-coverage policy.
• Warren, Michigan, auto insurance costs $510 per year more than the Michigan state average ($2,490) and $1,117 per year more than the average for all 50 states ($1,883).
• Monthly car insurance rates for a few popular models in Warren include the Subaru Forester at $223, Honda Civic at $221, and Nissan Sentra at $229.
• 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 $3,000 per year, which is 45.8% more than the U.S. average rate of $1,883. Per month, Warren car insurance costs approximately $250 for a full coverage policy.

In the state of Michigan, average car insurance cost is $2,490 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 $1,168 per year cheaper than in Detroit, $962 per year more than in Lansing, and $198 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 – $10,685 per year or $890 per month
• 17-year-old driver – $10,351 per year or $863 per month
• 18-year-old driver – $9,278 per year or $773 per month
• 19-year-old driver – $8,445 per year or $704 per month
• 20-year-old driver – $6,036 per year or $503 per month
• 30-year-old driver – $3,202 per year or $267 per month
• 40-year-old driver – $3,000 per year or $250 per month
• 50-year-old driver – $2,660 per year or $222 per month
• 60-year-old driver – $2,492 per year or $208 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 rates in the previous chart range from $2,492 per year for a middle-aged driver who meets the requirements for many policy discounts to $6,898 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 $3,000 per year.

As a monthly rate, the average cost of car insurance in Warren ranges from $208 to $575 for the same driver risk profiles shown in the prior chart.

Car insurance cost for popular models

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.

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 – $3,000 (Warren average) versus $2,490 (Michigan average)
• Monthly car insurance cost ranges from $208 to $890 – 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 $7,141 to $10,685 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 $2,834 less annually than a 20-year-old driver, $3,202 compared to $6,036.
• Warren, MI, car insurance costs more than the U.S. average – $3,000 (Warren average) compared to $1,883 (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 $2,434 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 $2,574 or less per year ($215 per month) in Warren.

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

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 $2,756 or less per year, or around $230 per month.

Additional cars that rank well include the Honda Accord, Chevrolet Malibu, Kia K5, and Toyota Prius, with an average car insurance cost of $2,908 per year or less.

Some additional vehicles that rank well include the Subaru Legacy, Volkswagen Arteon, Mitsubishi Mirage G4, Volkswagen Jetta, and Kia Forte, which cost between $2,908 and $3,100 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 $217 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 $2,608 per year ($217 per month) and ending with the Mazda 3 at $3,100 per year ($258 per month).

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 $2,218 per year. Second place is the Chevrolet Trailblazer costing $2,254 per year, in third place is the Kia Soul, at an average of $2,342 per year, and coming in fourth is the Nissan Kicks, costing an average of $2,364 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 $2,458 per year or less.

From a monthly standpoint, auto insurance rates on this segment in Warren starts at around $185 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 $2,218 per year. For midsize SUVs, the Honda Passport has the cheapest rates at $2,390 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $2,818 per year.

The next table ranks the SUVs with the cheapest insurance rates in Warren, starting with the Subaru Crosstrek at $185 per month and ending with the Honda HR-V at $218 per month.

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 $2,910 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 $3,084 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 $214 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 $2,566 per year and ending with the Ram Truck at $3,468 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 $2,668 to $3,104 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 $3,154 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 $3,154 and $3,364 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 $222 per month, depending on the company and your location.

The most affordable small luxury car to insure in Warren is the Acura Integra at $2,668 per year. For midsize luxury cars, the Mercedes-Benz CLA250 has the best rates at $3,088 per year. And for large luxury cars, the Audi A5 is most affordable to insure at $3,550 per year.

The next table ranks the twenty cars with the most affordable insurance in Warren, starting with the Acura Integra at $2,668 per year ($222 per month) and ending with the Audi S3 at $3,364 per year ($280 per month).

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 $2,508 per year. Second place is the Lexus NX 250 at $2,654 per year, and the third most affordable is the Cadillac XT4, at an average of $2,708 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 $2,892 per year or less.

Ranked lower than 10th place, but still in the top 20, SUVs like the Infiniti QX60, Cadillac XT6, Mercedes-Benz GLA250, Mercedes-Benz AMG GLB35, and Acura MDX average between $2,892 and $3,008 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 $209 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 $209 per month and ending with the Lexus NX 350 at $251 per month.

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 $2,778 per year, the Toyota GR86 at $3,162 per year, and the Ford Mustang at $3,296 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 $3,586 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 $3,586 and $5,080 to insure per year.

Full-coverage car insurance in this segment for a safe driver can cost as low as $232 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 $2,778 per year and ending with the Porsche Taycan at $5,080 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 $3,356 per year ($280 per month) and ranges from $2,782 to $7,750 annually.

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 $2,760 per year, or about $230 per month, and ranges from $2,298 to $6,352.

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 $2,730 per year, or about $228 per month, and ranges from $2,270 to $6,240.

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 $798 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 $90 and $292 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 $508 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 $471 per year compared to a credit score ranging from 670-739. Conversely, a less-than-perfect credit history could cost as much as $546 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.