Who Has the Cheapest Car Insurance Quotes for Welfare Recipients in Michigan?

Finding reasonably-priced car insurance is difficult, and figuring out which company has the cheapest auto insurance rates for welfare recipients requires a little more work. Every insurance company has a unique approach to determine premium rates, so we’ll go over the auto insurance companies with the overall best prices in Michigan.

Cheapest Insurance Rates in Michigan

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USAA has some of the lowest car insurance rates in Michigan at around $949 each year. GEICO, Safeco, MetLife, and Chubb also rank well as some of the best Michigan insurance companies.

As the rates illustrate above, if you are insured with MetLife and switched to GEICO, you could realize savings of in the vicinity of $371. Customers with Chubb may save as much as $421 a year, and Pioneer State Mutual insureds might see rate reductions of $437 a year.

To find out how your current rates compare, click here to start your custom quote or click through to the companies below.

Understand that those policy prices are averages for all drivers and vehicles in Michigan and are not factoring in a price discount for welfare recipients. So the car insurance company that fits your situation best may not even be featured in the chart above. That is why you need to get auto insurance quotes using your own specific driver information and vehicle.

The car, truck, or SUV you are trying to insure is one of the largest factors when comparing economical auto insurance for welfare recipients. Vehicles with lots of horsepower, a lack of safety features, or a track record of large liability claims will cost more to insure than more economical and safe models.

The table below estimates insurance premiums for a handful of the most cost-effective automobiles to insure in Michigan.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Michigan minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in specific zip code location which can increase or decrease prices substantially.

By looking at the data, you can conclude that cars like the Honda CR-V, Ford Escape, and Toyota Prius are going to be some of the cheaper vehicles to insure for drivers on welfare.

When buying insurance for drivers on welfare, one of the key components that affect rate quotes is your zip code in Michigan. Areas with more people like Detroit, Southfield, and Flint tend to pay more, whereas areas with less traffic congestion and claims benefit from lower coverage costs.

The next table lists the most expensive places in Michigan for welfare recipients to purchase auto insurance in.

Rates are estimated as zip code location can influence premiums considerably.

Impact of speeding/accidents on Michigan auto insurance rates

The recommended way to earn cheap auto insurance prices for drivers on welfare is to drive attentively and not have accidents or get tickets. The illustration below shows how traffic citations and at-fault fender-benders can influence insurance prices for different age categories. Data assumes a single male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

In the prior example, the average cost of auto insurance per year with no violations or accidents is $3,603. Get written up for two speeding tickets and the average cost rises to $4,779, an increase of $1,176 each year. Now add in two accidents along with the two speeding tickets and the annual cost of auto insurance for welfare recipients jumps again to an average of $9,115. That’s an increase of $5,512, or $459 per month, just for not driving carefully!

Which major car insurance company is best?

When comparing auto insurance for drivers on welfare in Michigan, four of the larger companies to compare rates for are Geico, Progressive, Allstate, and State Farm. Between them, they insure 48.5% of all policies written. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a different combination of discounts, features, and options that drivers can select from. The data below rates pricing and service ratings, plus some optional coverages that policyholders can buy.