Best Cheap Car Insurance Quotes for Drivers Under 25 in Michigan

When the topic is auto insurance, the words “cheap” or “affordable” should not appear as a descriptor for auto insurance rates. Be that as it may, cheap car insurance for drivers under 25 just does not exist. Don’t let that ruin your day, because we can show you some ways you can still get auto insurance that won’t break the bank.

For Michigan drivers, one of the criteria that control a rate quote is where you live in Michigan. Areas with increased crime or more people like Detroit, Southfield, and Warren tend to have higher auto insurance costs, whereas areas with lower vehicle theft rates and fewer weather claims generally benefit from lower insurance rates.

The table below lists the higher priced cities in Michigan for drivers under 25 to buy an auto insurance policy in.

Premium costs are approximated as the vehicle garaging location can impact rates greatly.

Comparing rates for low-priced car insurance is not always easy, and figuring out which company has the best insurance rates for drivers under 25 will require even more work. Premiums will be slightly pricier than the average policy in Michigan, with the higher price attributed to the additional risk related to offering insurance for drivers age 25 and younger, but competitive insurance may be available if you do a thorough comparison. Every car insurance company has their own unique process to determine rates, so let’s begin by taking a look at the insurance companies with the overall best prices in Michigan.

Cheap Insurance Rates for Young Drivers

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USAA offers some of the lowest car insurance rates in Michigan at around $987 each year. GEICO, Safeco, MetLife, and Chubb also qualify as some of the best Michigan car insurance companies.

In the rate table above, if you are insured with MetLife and switched to USAA, you could earn an annual savings of about $323. Policyholders with Chubb might save as much as $427 a year, and Pioneer State Mutual customers might cut rates by $457 a year.

If you want to see how much you could save, click here to start a quote or feel free to get quotes from the companies below.

Remember that these rates are averages for all insureds and vehicles and and are not figured with a rate surcharge for drivers under 25. So the company that fits your age and vehicle best may not even be included in the list above. That underscores the importance of why you need to get car insurance quotes using your own personalized driver profile and vehicle information.

The safety and performance level of the vehicle driven is a significant factor when consumers are trying to find the most economical coverage for drivers under 25. Vehicles with lots of horsepower, poor passenger safety features, or a history of substantial liability claims will cost more to insure than more economical and safe models. The next lists shows coverage costs for some of the most affordable automobiles to insure.

Price data assumes single male driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in specific garaging location which can decrease or increase rates noticeably.

Table data represents single male driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in specific location which can raise or lower premium rates noticeably.

Prices based on single male driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in garaging location in Michigan which can lower or raise auto insurance rates noticeably.

The chart below illustrates how choosing a deductible can change insurance prices when researching cheap insurance for drivers under 25. The rates are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

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In the chart above, a 40-year-old driver could cut expenses by $682 a year by changing from a $100 deductible up to a $500 deductible, or save $1,028 by choosing a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could potentially save $2,240 each year just by using higher deductibles. When using a larger deductible, it is necessary to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Discounts on the best cheap auto insurance for drivers under 25 in Michigan

Car insurance companies that sell policies for drivers under 25 could also offer premium discounts that can lower rates by as much as 30% if you qualify. A list of companies and a partial list of their discounts are detailed below.

• State Farm discounts include safe vehicle, accident-free, Drive Safe & Save, driver’s education, and student away at school.
• GEICO policyholders can earn discounts including daytime running lights, air bags, anti-lock brakes, emergency military deployment, and membership and employees.
• Progressive offers discounts including online quote discount, continuous coverage, homeowner, multi-policy, and good student.
• 21st Century may offer discounts for automatic seat belts, teen driver, defensive driver, theft prevention, homeowners, anti-lock brakes, and good student.
• American Family offers discounts for mySafetyValet, early bird, multi-vehicle, accident-free, bundled insurance, good driver, and defensive driver.
• The Hartford offers premium reductions for vehicle fuel type, defensive driver, bundle, driver training, anti-theft, good student, and air bag.
• AAA may include discounts for good driver, multi-car, AAA membership discount, good student, and education and occupation.

The diagram below illustrates the difference between yearly insurance costs with and without discounts applied to the premium. The premiums assume a male driver, no accidents or driving violations, Michigan state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with paperless filing, anti-theft, paid-in-full, passive restraint, continuous coverage, and vehicle safety discounts applied. When drivers take advantage of discounts, the the amount saved on insurance for drivers under 25 is 18% or $975.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 9145,6565],[‘Age 30’, 4629,3355],[‘Age 40’, 4207,3343],[‘Age 50’, 4069,3037],[‘Age 60’, 4965,2937]]);var options = {title: ‘Comparison of Insurance Rates for Drivers Under 25’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Michigan’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Who is cheaper: Allstate, Progressive, Geico, or State Farm?

When buying car insurance, four companies you’ll want quotes from are Allstate, Progressive, Geico, and State Farm. When combined, they insure about 50% of the car insurance market in the United States. They all offer your standard coverages, but each one has unique features and discounts that you can choose from. The next table illustrates ratings and policy coverage options offered by each company.