Highland Park Auto Insurance Rates, Quotes, Agents & Reviews in MI

Highland Park, MI Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Highland Park, 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 Highland Park, 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.


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

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

Highland Park Pleasant Ridge Hamtramck Hazel Park Royal Oak charter Detroit
Average Insurance Rates $3,239 $3,346 $2,581 $2,584 $2,595 $2,558

Highland Park, 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 Highland Park, 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)
Highland Park $1,420 $1,200
Detroit $1,416 $1,196
Hamtramck $1,404 $1,186
Hazel Park $1,550 $1,309
Ferndale $1,052 $888
Royal Oak charter $1,354 $1,144
Pleasant Ridge $2,100 $1,774
Oak Park $1,559 $1,317

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

Teenagers in Highland Park, 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 $10,510
20 Years $4,162
30 Years $3,206
40 Years $3,084
50 Years $2,856
60 Years $2,896
70 Years $3,371

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

Car owners in Highland Park, 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 $5,506 $972
3 Vehicles $8,259 $1,458
4 Vehicles $11,013 $1,943

Savings on 2 Vehicles bundle:$972

Savings on 3 Vehicles bundle:$1,458

Savings on 4 Vehicles bundle:$1,943


Highland Park, 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 Highland Park, MI.

Location Average Insurance Cost Post DUI Insurance Rate
Highland Park $3,239 $8,069
Detroit $2,558 $6,373
Hamtramck $2,581 $6,430
Hazel Park $2,584 $6,437
Ferndale $2,736 $6,816
Royal Oak charter $2,595 $6,465
Pleasant Ridge $3,346 $8,336
Oak Park $2,654 $6,612

Highland Park, 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) $2,779
Excellent (740-799) $3,172
Good (670-739) $3,375
Average (580-669) $4,403
Poor (300-579) $5,283

Highland Park, 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
Pam Mowatt State Farm 20369 Mack Ave, Grosse Pointe, 48236-1610 313-886-3060
Ed Lazar State Farm 18352 Mack Ave, Grosse Pointe, 48236-3219 313-882-0600
Carolyn Tack-West Allstate 580 W 14 Mile Rd, Clawson, 48017 (248) 583-4344
Rich Francis State Farm 24366 Grand River Ave Ste 222, Detroit, 48219-3098 313-533-7400
Lewis & Thompson Agency Inc None 2621 W Grand Blvd, Detroit, 48208 None
Corinthian Colleges Inc Travelers 4 PARKLANE BLVD SUITE 414, DEARBORN, 48126 866-795-6128
The Mcnish Group None 26622 Woodward Ave Ste 200 , Royal Oak, 48067 None
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Avery Hasler & Associates, Inc. None 14 E 14 Mile Rd, Clawson, 48017 None
Gary Serdoz State Farm 30260 John R Rd, Madison Hts, 48071-5205 248-583-3303

Highland Park, 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 +$143 $3,382
Driver's Failure In Showing Documents +$314 $3,553
Driving With An Expired Registration +$334 $3,573
Driving At A Considerably Slow Pace +$703 $3,942
Using A Cellphone While Driving +$742 $3,981
Running A Red Light +$755 $3,994
Speeding +$794 $4,033
Driving A Vehicle Without The Required Permission +$1,007 $4,246
Driving With An Expired/Suspended License +$2,183 $5,422

Highland Park, 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 $3,109
Active Disabling Device $3,109
Tracking Device $3,045
Passive Disabling Device $3,012