Compare Southfield, MI Car Insurance Rates (2022)

Car insurance in Southfield, MI averages $1,481 a month. Southfield, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Southfield car insurance rates, compare quotes from the top car insurance companies in Southfield, MI.

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 22, 2022Fact Checked

Here's What You Need to Know

  • Average car insurance rates in Southfield, MI are $17,775/year
  • The cheapest car insurance company in Southfield for teen drivers is USAA
  • The cheapest ZIP code in Southfield is 48076

If you need to buy Southfield, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Southfield, MI is right here.

You’ll find Southfield car insurance rates, the cheapest Southfield, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Southfield, Michigan car insurance rates to Lansing car insurance rates, Grand Rapids car insurance rates, and Dearborn car insurance rates.

Ready to find affordable Southfield, MI car insurance today? Enter your ZIP code for fast, free Southfield car insurance quotes.

Cheapest Southfield, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Southfield, MI car insurance rates? Every Southfield, Michigan car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Southfield, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $32,281 $32,281 $30,022 $30,022 $78,316 $78,316 $33,994 $33,994
Farmers $19,541 $19,541 $17,960 $17,960 $43,639 $43,639 $22,094 $22,094
GEICO $6,477 $6,477 $6,587 $6,587 $17,399 $17,399 $6,164 $6,164
Liberty Mutual $20,751 $20,751 $20,543 $20,543 $49,176 $49,176 $20,751 $20,751
Nationwide $6,094 $6,094 $5,381 $5,381 $16,516 $16,516 $6,707 $6,707
Progressive $4,220 $3,864 $3,703 $4,216 $15,320 $16,097 $4,915 $4,412
State Farm $13,190 $13,190 $12,320 $12,320 $47,323 $47,323 $15,504 $15,504
Travelers $7,464 $7,464 $6,400 $6,400 $22,645 $22,645 $8,116 $8,116
USAA $3,329 $3,123 $3,132 $2,937 $8,201 $7,713 $4,053 $3,848

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Minimum Car Insurance in Southfield, MI

Every driver must carry the minimum car insurance in Southfield, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage in Southfield, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Southfield, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Southfield, MI. Compare credit history car insurance rates in Southfield from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Southfield, Michigan

Insurance Company Poor Fair Good
Allstate $66,768 $36,593 $27,598
Farmers $38,236 $20,316 $18,873
GEICO $11,808 $8,649 $7,014
Liberty Mutual $44,046 $25,392 $13,976
Nationwide $10,925 $8,175 $6,924
Progressive $8,257 $6,886 $6,137
State Farm $35,957 $18,085 $12,211
Travelers $11,437 $11,087 $10,945
USAA $6,837 $3,874 $2,915

Cheapest Southfield, MI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Southfield, MI to rates for a clean record with top companies.

Annual Southfield, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $21,649 $28,817 $94,198 $29,949
Farmers $21,540 $27,793 $27,291 $26,610
GEICO $3,200 $6,791 $20,701 $5,936
Liberty Mutual $19,452 $23,467 $43,392 $24,909
Nationwide $7,394 $9,919 $9,026 $8,358
Progressive $5,945 $7,937 $7,120 $7,371
State Farm $13,876 $16,731 $36,715 $21,014
Travelers $7,561 $10,789 $17,326 $8,948
USAA $3,637 $4,567 $5,994 $3,969

Cheapest Southfield, MI Car Insurance for Teen Drivers

Teen car insurance in Southfield, MI can be expensive. Take a look at rates from the top car insurance companies in Southfield for teenagers.

Annual Car Insurance Rates for Teen Drivers in Southfield, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $78,316 $78,316
Farmers $43,639 $43,639
GEICO $17,399 $17,399
Liberty Mutual $49,176 $49,176
Nationwide $16,516 $16,516
Progressive $15,320 $16,097
State Farm $47,323 $47,323
Travelers $22,645 $22,645
USAA $8,201 $7,713

Cheapest Southfield, MI Car Insurance for Seniors

Take a look at Southfield, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Southfield, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $30,022 $30,022
Farmers $17,960 $17,960
GEICO $6,587 $6,587
Liberty Mutual $20,543 $20,543
Nationwide $5,381 $5,381
Progressive $3,703 $4,216
State Farm $12,320 $12,320
Travelers $6,400 $6,400
USAA $3,132 $2,937

Cheapest Southfield, MI Car Insurance Rates After a DUI

A DUI in Southfield, MI increases car insurance rates. Compare Southfield, Michigan DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Southfield, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $94,198
Farmers $27,291
GEICO $20,701
Liberty Mutual $43,392
Nationwide $9,026
Progressive $7,120
State Farm $36,715
Travelers $17,326
USAA $5,994

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Cheapest Southfield, MI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Southfield, MI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Southfield, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $43,653 $43,653
Farmers $25,808 $25,808
GEICO $8,944 $9,370
Liberty Mutual $26,839 $28,771
Nationwide $8,674 $8,674
Progressive $7,093 $7,093
State Farm $21,449 $22,719
Travelers $11,092 $11,221
USAA $4,489 $4,595

Cheapest Southfield, MI Car Insurance Rates by ZIP Code

Southfield car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Southfield, MI.

Annual Car Insurance Rates by ZIP Code in Southfield, Michigan

ZIP Code Average Annual Rates
48033 $12,179
48034 $12,173
48075 $12,705
48076 $11,790

The Best Cheap Car Insurance Companies in Southfield, MI

Take a look at a side-by-side comparison of the top car insurance companies in Southfield, MI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Southfield, Michigan

Insurance Company Average Annual Rates
Allstate $43,653
Farmers $25,808
GEICO $9,157
Liberty Mutual $27,805
Nationwide $8,674
Progressive $7,093
State Farm $22,084
Travelers $11,156
USAA $4,542

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Category Winners: Cheapest Car Insurance in Southfield, Michigan

Find the cheapest car insurance companies in Southfield, MI for each category right here.

Best Annual Car Insurance Rates by Company in Southfield, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Southfield, MI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Southfield car insurance rates. Find the cheapest Southfield, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Southfield, Michigan

Insurance Company Low Medium High
Allstate $42,370 $43,773 $44,816
Farmers $24,892 $25,704 $26,829
GEICO $8,558 $9,069 $9,843
Liberty Mutual $27,179 $27,743 $28,493
Nationwide $9,053 $8,534 $8,437
Progressive $6,870 $7,101 $7,309
State Farm $20,784 $22,245 $23,223
Travelers $11,055 $11,166 $11,247
USAA $4,397 $4,555 $4,674

What affects car insurance rates in Southfield, Michigan?

What factors can have an impact on Southfield, MI car insurance? There are several reasons why Southfield car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Southfield, Michigan.

Car Theft in Southfield

High levels of vehicle theft can make car insurance more expensive. Southfield, MI car theft statistics from the FBI indicate 198 vehicle thefts a year.

Commute Time in Southfield

The more time you spend in your car the higher the risk of an accident. The average commute length in Southfield, MI is 24.0 minutes according to City-Data.

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Compare Car Insurance Quotes in Southfield, MI

Ready to find affordable Southfield, Michigan car insurance today? Enter your ZIP code for fast, free Southfield, MI car insurance quotes.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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