For a 40-year-old driver with a clean record, Warren car insurance averages about $463 a month ($5,550 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 31% above the Michigan average of $354 a month. Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Warren table, at about $184 a month.
Warren, which borders Detroit along 8 Mile Road, is the fourth-most expensive of the 29 Michigan cities with three or more ZIP codes in our data: our benchmark driver pays about $109 a month more than the Michigan average.
Our data covers five Warren ZIP codes. The two along the southern border, 48089 and 48091, cost the most, so check yours when you compare car insurance quotes in Warren, MI.
Cost data comes from the auto rates insurers file with state regulators, priced across all five Warren ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Warren averages $5,550 a year, or about $463 a month, for our benchmark driver. Liability-only coverage at 20/40/10 limits averages $1,721 a year ($143 a month), and 50/100/50 liability with comprehensive and collision averages $5,359 ($447 a month).
Hanover is far more expensive than the other insurers here: its full-coverage average of about $843 a month is 2.3 times the average of the other four. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Hanover, the Warren average would be about $367 a month.
The published 2026 statewide Michigan rate studies we reviewed most often rank GEICO cheapest for full coverage: four of the seven put it first, apart from USAA, which sells only to military families. One puts Progressive first, one Travelers and one Auto-Owners. For liability-only coverage at 20/40/10 limits, Auto-Owners has the lowest average among these five insurers, at about $97 a month, followed by Farm Bureau and Hanover, effectively tied at $126 and $128.
Full-coverage averages by insurer in Warren
Monthly, for the same driver and car. The AAA Auto Club row in the table isn’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $1,590 | $133 | $2,406 | $201 |
| Auto-Owners | $1,166 | $97 | $4,235 | $353 |
| State Farm | $2,805 | $234 | $5,133 | $428 |
| Farm Bureau Insurance of Michigan | $1,507 | $126 | $5,856 | $488 |
| Hanover | $1,539 | $128 | $10,121 | $843 |
| AAA Auto Club (Nov. 2025 rates)* | $3,525 | $294 | $5,632 | $469 |
| USAA (military families)* | $737 | $61 | $2,023 | $169 |
| GEICO* | $1,129 | $94 | $2,209 | $184 |
| Travelers* | $831 | $69 | $2,692 | $224 |
| Warren average | $1,721 | $143 | $5,550 | $463 |
This table uses Warren ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the five Warren ZIP codes we price, full coverage for our driver ranges from about $421 a month in 48088 to $511 in 48091, a gap of $1,075 a year.
Lowest-priced Warren ZIP codes
Highest-priced Warren ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Warren’s average.
| ZIP Code: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 48088 | $1,557 | $130 | $5,056 | $421 | -9% |
| 48089 | $1,952 | $163 | $6,048 | $504 | +9% |
| 48091 | $1,802 | $150 | $6,131 | $511 | +10% |
| 48092 | $1,673 | $139 | $5,292 | $441 | -5% |
| 48093 | $1,623 | $135 | $5,223 | $435 | -6% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $191 a year on average in our Warren data, with the same $500 deductibles. That’s about $16 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Auto-Owners charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Warren ZIP codes, their full-coverage average fell from $7,742 a year nine months earlier to $5,474 in rates as of Aug. 31, 2026, a 29.3% drop. Hanover’s Warren average fell 46.9% and State Farm’s 6.0%, but Progressive’s rose 6.1% and Auto-Owners’ 0.9%. Leaving Hanover out, the other three insurers in both sets of rates averaged 1.3% less for full coverage. Farm Bureau is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Warren average above. AAA Auto Club’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 20/40/10 limits fell 16.5%, led by Hanover, which cut its liability-only average 57.5%.
Macomb County averages about $396 a month for full coverage in our data, the second-highest of the 70 Michigan counties we price, after Wayne. Prices fall as you move north: Center Line and Eastpointe average about $519 and $499 a month, while Macomb and Romeo average $365 and $326.
Hanover’s Warren average is about $843 a month. Without it, Warren’s average is about $367, still above the state average. Michigan law bars insurers from pricing by ZIP code itself, but it lets them group drivers by territory, so neighboring towns can be priced differently.
More Michigan cities and towns are in the Michigan rates by city table, and you can compare states on our car insurance rates by state page.
Sterling Heights, just north, averages about $428 a month, and Troy, about nine miles northwest, $344. Detroit, across 8 Mile, averages $665.
Drivers in Warren follow Michigan’s no-fault rules. Every policy must include:
If you don’t choose a PIP medical level, your policy includes unlimited PIP medical coverage, according to the Michigan Department of Insurance and Financial Services. You can show proof of insurance on your phone, under MCL 257.328. Our Michigan requirements guide covers the PIP choices, the mini-tort rule and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Michigan law and the Michigan Department of Insurance and Financial Services. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Warren averages about $463 a month ($5,550 a year) and liability-only coverage at 20/40/10 limits about $143 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 31% above the Michigan average of $354 a month. Without Hanover, the Warren average is about $367 a month.
Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Warren table, at about $184 a month, followed by Progressive at $201. USAA, which sells only to military families, is lower still, at about $169 a month. Among the five major insurers we compared, full-coverage averages run from about $201 to $843 a month. Progressive’s Warren average is 43% below Auto-Owners’ ($353), a lead wide enough that we show the range instead of naming a single cheapest insurer. For liability-only coverage at 20/40/10 limits, Auto-Owners has the lowest average among the five major insurers we compared, at about $97 a month. GEICO’s figure is priced from published 2026 Michigan rate studies and scaled to our benchmark driver. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, Warren full coverage averages about $463 a month, 31% above the Michigan average. Macomb County is the second-most expensive county we price, after Wayne, and Warren’s southern ZIP codes along the Detroit border cost the most.
In our data, 48088 has the lowest full-coverage average in Warren, at about $421 a month, and 48091 the highest, at about $511. The ZIP code table on this page lists all five.
In our Warren data, full coverage (100/300/100 with $500 deductibles) averages about $463 a month and liability-only coverage at 20/40/10 limits about $143, a difference of about $320 a month ($3,829 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Michigan law doesn’t require full coverage, but a lender or leasing company may.
Every policy in Warren must include personal injury protection, property protection insurance of up to $1 million and bodily injury liability of $250,000 per person and $500,000 per crash, unless you sign a form choosing lower limits of at least $50,000 and $100,000, plus $10,000 in property damage liability for crashes in other states. If you don’t choose a PIP medical level, you get unlimited coverage.
Not for our benchmark driver. Comparing the four insurers in both sets of rates (Farm Bureau is new over the past nine months), their Warren full-coverage average fell 29.3%, from about $7,742 to $5,474 a year. That’s lower than the Warren average of $5,550 because it leaves out Farm Bureau. Hanover cut its Warren average 46.9% and State Farm 6.0%, while Progressive raised its average 6.1% and Auto-Owners 0.9%. Liability-only coverage at 20/40/10 limits fell 16.5%.
For our benchmark driver, full coverage in Warren averages about $463 a month. Nearby, Sterling Heights averages about $428, Troy about $344 and Detroit about $665. Sterling Heights and Troy are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
