Garden City Auto Insurance Rates, Quotes, Agents & Reviews in MI

Garden City, MI Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Garden City, MI, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Garden City, MI are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Garden City, MI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Garden City, MI with that of other cities in and around Garden City.

Garden City Westland Wayne Redford charter Dearborn Heights Livonia
Average Insurance Rates $2,650 $2,347 $2,610 $2,617 $2,587 $2,116

Garden City, MI Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Garden City, MI based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Garden City $1,947 $1,644
Westland $1,942 $1,640
Inkster $1,084 $915
Dearborn Heights $1,686 $1,424
Wayne $1,671 $1,411
Wayne County $2,045 $1,727
Livonia $1,363 $1,151
Redford charter $1,336 $1,128

Garden City, MI Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Garden City, MI usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $8,599
20 Years $3,405
30 Years $2,623
40 Years $2,523
50 Years $2,337
60 Years $2,369
70 Years $2,758

Garden City, MI Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Garden City, MI can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $4,505 $795
3 Vehicles $6,758 $1,193
4 Vehicles $9,010 $1,590

Savings on 2 Vehicles bundle:$795

Savings on 3 Vehicles bundle:$1,193

Savings on 4 Vehicles bundle:$1,590


Garden City, MI Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Garden City, MI.

Location Average Insurance Cost Post DUI Insurance Rate
Garden City $2,650 $6,602
Westland $2,347 $5,847
Inkster $2,561 $6,380
Dearborn Heights $2,587 $6,445
Wayne $2,610 $6,502
Wayne County $2,658 $6,622
Livonia $2,116 $5,271
Redford charter $2,617 $6,519

Garden City, MI Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $2,274
Excellent (740-799) $2,595
Good (670-739) $2,761
Average (580-669) $3,603
Poor (300-579) $4,322

Garden City, MI Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Scott Orr State Farm 41005 E Huron River Dr, Belleville, 48111-2843 734-699-5351
Bill Jones Allstate 32667 Ford Rd, Garden City, 48135 (734) 427-7500
Shauna Johnson Allstate 19562 Grand River Ave, Detroit, 48223 (313) 272-2020
Shauna Johnson Allstate 19562 Grand River Ave, Detroit, 48223 (313) 272-2020
Elizabeth Wilder State Farm 2006 Monroe St, Dearborn, 48124-2921 313-278-6020
News Corp Employees Travelers 4 PARKLANE BLVD SUITE 414, DEARBORN, 48126 866-795-6128
Murphy-Goddard Agency Inc None 26075 Grand River Ave. , Redford, 48240 None
Dolapo Shodipo State Farm 22516 Telegraph Rd, Southfield, 48033-4107 248-327-6745
Consolidated Underwriting Alliance Ltd Liberty Mutual Independent 37715 PEMBROKE AVE, LIVONIA, 48152 734-402-2430
Jeff Samford State Farm 20714 Van Born Rd, Dearborn Hts, 48125-2948 313-730-1666

Garden City, MI Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$117 $2,767
Driver's Failure In Showing Documents +$257 $2,907
Driving With An Expired Registration +$273 $2,923
Driving At A Considerably Slow Pace +$575 $3,225
Using A Cellphone While Driving +$607 $3,257
Running A Red Light +$617 $3,267
Speeding +$649 $3,299
Driving A Vehicle Without The Required Permission +$824 $3,474
Driving With An Expired/Suspended License +$1,786 $4,436

Garden City, MI Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $2,544
Active Disabling Device $2,544
Tracking Device $2,491
Passive Disabling Device $2,465

Latest Auto Insurance Reviews in Garden City, MI | Back to Top

Aaa
They offer the oradside which i love so i am really happy with that service. the other people in my area do not offer that which is what made me go with them instead
Aaa
They offer the oradside which i love so i am really happy with that service. the other people in my area do not offer that which is what made me go with them instead
Progressive
I dislike their prices compared to other agencies and their lack of urgency compared from their online chat versus their phone service