Cheapest Auto Insurance for Government Employees in Michigan

The vehicle that needs insurance is a large consideration when shopping for the most affordable auto insurance for government employees. Vehicles with more horsepower, poor safety features, or high incidents of liability claims will cost quite a bit more to insure than safer, lower-performance models.

The table below illustrates coverage premiums for a handful of the cheapest vehicles to insure.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in vehicle location which can lower or raise prices greatly.

Based upon these rates, you can conclude that makes and models like the Ford Escape, Hyundai Elantra, Ford F-150, Subaru Forester, and Chevrolet Impala are the cheapest vehicles to insure for state and federal workers.

One of the more important components that is looked at to determine the cost of insurance is where your car is garaged in Michigan. Larger areas like Detroit, Southfield, and Warren tend to have more expensive auto insurance rates, whereas areas with less traffic congestion and claims enjoy lower auto insurance rates.

The following table rates the most expensive cities in Michigan for government employees in which to purchase auto insurance.

Information shown are comparative as the specific garaging location can decrease or increase coverage prices considerably.

The chart below demonstrates how deductibles can raise or lower annual premium costs when researching cheap insurance for government employees. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

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A 50-year-old driver could save $636 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $958 by selecting a $1,000 deductible. Younger drivers, such as the Age 20 example, could save $1,578 each year by using a higher deductible. When using a larger deductible, it is essential to have plenty of money set aside to be able to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.