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Cheap Auto Insurance Quotes in Canton, MI (2023)
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Written by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.
Edited by
Olivia Oksenhorn
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Updated August 31, 2022
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Car Insurance in Canton, MI
People living in Canton and in other cities across Michigan are required to have car insurance to stay legal and safe drivers on the road. Because the average cost of car insurance in Michigan is higher than the national average, it’s important for Canton drivers to know how and where to find the cheapest possible car insurance rates.
Buying insurance in Michigan doesn’t have to break the bank. With Insurify , you can compare car insurance quotes from multiple providers online without ever having to talk to an insurance agent. Use Insurify and get the best and cheapest auto insurance for you today. It’s completely free to use and only takes a few minutes!
The type of coverage you choose is not the only factor that will decide your insurance rates, though you will see costs vary between coverage options. Insurance coverage costs are also dependent on your location and will vary from city to city in Michigan. Below are the average car insurance rates for Michigan cities. See how Canton compares:
Quick Facts
The average cost of car insurance in Canton is $338 per month, or $4056 annually.
Car insurance in Canton is $46 more than the average cost of car insurance in Michigan.
The cheapest car insurance provider in Canton on average is Progressive, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Liberty Mutual$343
Arrowhead$419
Midvale Home & Auto$435
See More:
Cheapest Car Insurance in Canton, MI
Some car insurance providers are able to offer cheaper car insurance coverage than others. That’s because every insurance provider weighs information like your age, driving record and credit score a little differently. While the following car insurance companies offer the cheapest rates on average in Canton, get a free quote from Insurify to estimate your individual rate.
| Insurance Provider in Canton | Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Liberty Mutual | $343 /mo |
| Arrowhead | $419 /mo |
| Midvale Home & Auto | $435 /mo |
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Best Car Insurance in Canton, MI
While it may be tempting to choose the car insurance policy with the cheapest premium and the highest deductible, it’s also important to choose a company that can reliably pay claims and offer good customer service. We evaluated a range of financial strength and customer satisfaction indicators to find the best car insurance companies in Michigan.
| Best Companies | Score | Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|---|
| Liberty Mutual | 82 | $343 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Michigan Cities | |
|---|---|
| Detroit | $520/mo |
| Grand Rapids | $241/mo |
| Warren | $338/mo |
| Sterling Heights | $498/mo |
| Canton | $399/mo |
| Michigan | $399/mo |
Grand Rapids$241
Warren$338
Average for MI$399
Canton$399
Sterling Heights$498
Detroit$520
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in Michigan
All motor vehicles operated or parked on Michigan roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
Michigan’s unique No Fault insurance program includes multiple levels of protection available depending on residents’ Medicare or Medicaid status and the insurance status of relatives.
The minimum required insurance levels for Michigan[1] are:
$50,000 per accident for PIP
Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.
$1,000,000 per accident for PPI
Property protection insurance, referred to as PPI coverage, is a type of coverage unique to Michigan. It acts similarly to traditional property damage insurance, but only applies to property damaged in accidents that occur within the state of Michigan.
The minimum liability insurance requirements for private passenger vehicles in Michigan are:
$250,000 per person for bodily injury
$500,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Michigan is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.
$10,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. In Michigan, this coverage only applies to out-of-state accidents.
Canton Car Insurance Rates by Driver Age
One of the first factors car insurance companies look at when determining your rates is your age. That’s because younger drivers are less experienced on the road and more likely to get into car accidents. More mature drivers, however, tend to see the cheapest rates. Here’s what you can expect to pay based on your age group in Michigan.
| Driver's Age | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Teens | $594 |
| 20s | $441 |
| 30s | $351 |
| 40s | $349 |
| 50s | $346 |
| 60s | $328 |
| 70s | $356 |
| 80s | $297 |
Canton Car Insurance Rates by Driving and Accident History
Insurance companies view drivers with infractions on their driving records as a greater risk to insure. That’s why you’ll pay more for car insurance if you have speeding tickets, DUIs, or accidents in your driving history. Here’s what drivers with these issues pay on average for car insurance when compared to drivers with a clean driving record in Michigan.
| Driving History | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| No Violation | $364 |
| Speeding Ticket | $432 |
| At-Fault Accident | $442 |
| DUI | $721 |
See More:
Canton Car Insurance Rates by Credit Tier
Yet another factor that goes into determining your insurance premium is your credit score. Drivers with excellent credit see lower car insurance rates than drivers with bad credit. Here’s what you can expect to pay for car insurance in Michigan based on your credit score:
| Credit Tier | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Excellent | $340 |
| Good | $362 |
| Average | $423 |
| Bad | $526 |
See More: Bad Credit Car Insurance Michigan
Canton DMV Information
The Secretary of State office in Canton, Michigan offers DMV services such as motor vehicle registration and driver’s license renewal. The office actually offers a self-service station for these tasks, which is open 24 hours a day, whereas the Secretary of State office itself is open Monday through Friday 9:00 am to 5:00 pm. The Canton Secretary of State office is located at:
8565 N Lilley Rd
Canton, MI 48187
(888) 767-6424
Public Transportation in Canton
Most residents of Canton drive and public transportation options are relatively limited. The Canton Mobility Transportation service is available to residents aged 55 and older, those with disabilities, and those who qualify for Social Security. The cost of a ride is $3 (cash only), and transportation is available to nearby cities including Livonia, where the hospital is located.
For residents who do not own a vehicle, Uber, Lyft, and taxi services are available in Canton to get around the city.
How to Get the Cheapest Car Insurance in Canton
The easiest way to get the best and cheapest car insurance in Canton is to compare customized car insurance quotes from multiple providers. Rather than getting quotes from an insurance agency, you can save time by using Insurify to find the right policy for you and to find the most competitive rates in your area.
You’ll just need to answer a few questions about your vehicle and driving history to get started and we’ll provide you with quotes from multiple providers. The best part? You don’t have to spend hours on the phone with an insurance agent to find the best policy for you. You can also use Insurify to shop for home insurance and life insurance.
For more detailed Michigan city level guides, check out these below.
FAQs - Canton, MI Car Insurance
You can use Insurify to identify the car insurance companies that can offer you the cheapest premiums in Canton. You’ll just need to enter your information once, instead of going to multiple providers’ websites for quotes. Let Insurify take over your insurance services for car insurance and homeowners insurance. It’s completely free to use and takes only five minutes!
The average cost of car insurance in Canton is $781, but keep in mind that your individual auto insurance rates will depend on your age, credit score, and driving record. You can also save on car insurance by bundling your auto insurance policy with your homeowners insurance or renters insurance. It’s also important to check out what discounts you might qualify for, such as a loyalty insurance discount or a safe driver discount, to save on your premiums.
High required coverage limits is one of the reasons why car insurance is so expensive in Michigan. Another reason Michiganders see higher rates than the national average is because Michigan has a high percentage of uninsured motorists. Other aspects of your driving history like DUIs or accidents will also drive up your insurance rates in Canton.
Insurify Insights
How Canton Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Canton, Michigan below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Canton drivers measure up to their fellow motorists across Michigan in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford Escape
Most Popular Car in Canton
#17
City with the Most Speeding Tickets Rank in Michigan
#24
City with the Most Moving Violations Rank in Michigan
#61
City with the Most DUIs Rank in Michigan
#24
City with the Most Suspended Licenses in Michigan
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Canton drivers rank 18 in the number of car accidents per driver across all cities in Michigan.
- Rank within state: #18
- Percent of drivers in Canton with an accident: 6%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Canton drivers rank 61 in the number of DUI’s per driver across all cities in Michigan.
- Rank within state: #61
- Percent of drivers in Canton with a DUI: 1.2%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Michigan, Canton drivers rank 47 in the number of reckless driving offenses per driver.
- Rank within state: #47
- Percent of drivers in Canton with a reckless driving offense: 1.6%
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Michigan, Canton drivers rank 54 in rude driving infractions.
- Rank within state: #54
- Percent of drivers in Canton with a reckless driving violation: 1.6%
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Michigan, Canton drivers rank 17 in the number of speeding infractions per driver.
- Rank within state: #17
- Percent of drivers in Canton with a speeding ticket: 9.6%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Canton drivers rank 66 in clean driving records across all cities in Michigan.
- Rank within state: #66
- Percent of drivers in Canton with clean record: 82.5%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Canton drivers rank 4 in hybrid and electric vehicle ownership across all cities in Michigan.
- Rank within state: #4
- Percent of drivers in Canton with a hybrid/electric vehicle: 1.71%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- Michigan Department of Insurance and Financial Serices. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
