Hamtramck, MI Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Hamtramck, 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.

Factors that can influence the cost of car insurance in Hamtramck, 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.

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

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

	Hamtramck	Hazel Park	Center Line	Warren	Detroit	Ferndale
Average Insurance Rates	$2,581	$2,584	$2,600	$2,678	$2,558	$2,736

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Hamtramck, 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 Hamtramck, 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)
Hamtramck	$1,404	$1,186
Highland Park	$1,420	$1,200
Detroit	$1,416	$1,196
Hazel Park	$1,550	$1,309
Ferndale	$1,052	$888
Center Line	$1,523	$1,287
Royal Oak charter	$1,354	$1,144
Warren	$1,637	$1,382

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

Teenagers in Hamtramck, 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	$8,375
20 Years	$3,316
30 Years	$2,554
40 Years	$2,458
50 Years	$2,276
60 Years	$2,308
70 Years	$2,686

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

Car owners in Hamtramck, 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	$4,439	$723
3 Vehicles	$6,659	$1,084
4 Vehicles	$8,879	$1,445

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Hamtramck, 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 Hamtramck, MI.

Location	Average Insurance Cost	Post DUI Insurance Rate
Hamtramck	$2,581	$6,430
Highland Park	$3,239	$8,069
Detroit	$2,558	$6,373
Hazel Park	$2,584	$6,437
Ferndale	$2,736	$6,816
Center Line	$2,600	$6,477
Royal Oak charter	$2,595	$6,465
Warren	$2,678	$6,671

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Hamtramck, 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)	$2,214
Excellent (740-799)	$2,528
Good (670-739)	$2,689
Average (580-669)	$3,509
Poor (300-579)	$4,210

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Hamtramck, 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
Michael Pikora	State Farm	10841 W 10 Mile Rd, Oak Park, 48237-1745	248-968-3970
Margaret Cuva	State Farm	18530 E 9 Mile Rd, Eastpointe, 48021-1951	586-777-8855
Richard Strauss	Farmers	21950 Woodward Ave, Ferndale, 48220	(248) 399-4422
Publix Employees	Travelers	4 PARKLANE BLVD SUITE 414, DEARBORN, 48126	866-795-6128
Career Education Corp	Travelers	4 PARKLANE BLVD SUITE 414, DEARBORN, 48126	866-795-6128
Lewis & Thompson Agency Inc	None	2621 W Grand Blvd, Detroit, 48208	None
Signature Insurance Group Agency	None	32888 Ryan Rd , Warren, 48092	None
Signature Insurance Group Agency	None	32888 Ryan Rd , Warren, 48092	None
Robert Half International Inc	Travelers	4 PARKLANE BLVD SUITE 414, DEARBORN, 48126	866-795-6128
Jacobs Engineering	Travelers	4 PARKLANE BLVD SUITE 414, DEARBORN, 48126	866-795-6128
Avery Dennison Employees	Travelers	4 PARKLANE BLVD SUITE 414, DEARBORN, 48126	866-795-6128

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Hamtramck, 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	+$114	$2,695
Driver's Failure In Showing Documents	+$250	$2,831
Driving With An Expired Registration	+$266	$2,847
Driving At A Considerably Slow Pace	+$560	$3,141
Using A Cellphone While Driving	+$591	$3,172
Running A Red Light	+$601	$3,182
Speeding	+$632	$3,213
Driving A Vehicle Without The Required Permission	+$803	$3,384
Driving With An Expired/Suspended License	+$1,740	$4,321

Hamtramck, 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	$2,478
Active Disabling Device	$2,478
Tracking Device	$2,426
Passive Disabling Device	$2,400

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Latest Auto Insurance Reviews in Hamtramck, MI | Back to Top