For a 40-year-old driver with a clean record, Westland car insurance averages about $376 a month ($4,513 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 6% above the Michigan average of $354 a month. Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Westland table, at about $139 a month.
Westland costs a little more to insure than the Michigan average but far less than Detroit, about 18 miles east: our benchmark driver pays about $22 a month more than the Michigan average.
Our data uses Westland’s two ZIP codes, 48185 and 48186. ZIP code 48186, on the south side, runs about $22 a month higher than 48185, so compare car insurance quotes in Westland, MI, for your own address.
Cost data comes from the auto rates insurers file with state regulators, priced across both Westland 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 Westland averages $4,513 a year, or about $376 a month, for our benchmark driver. Liability-only coverage at 20/40/10 limits averages $1,310 a year ($109 a month), and 50/100/50 liability with comprehensive and collision averages $4,358 ($363 a month).
Hanover is far more expensive than the other insurers here: its full-coverage average of about $730 a month is 2.5 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 Westland average would be about $288 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 $74 a month, followed by Hanover at $96.
Full-coverage averages by insurer in Westland
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 | $1,359 | $113 | $2,121 | $177 |
| Auto-Owners | $883 | $74 | $2,810 | $234 |
| State Farm | $1,915 | $160 | $3,969 | $331 |
| Farm Bureau Insurance of Michigan | $1,241 | $103 | $4,910 | $409 |
| Hanover | $1,154 | $96 | $8,757 | $730 |
| AAA Auto Club (Nov. 2025 rates)* | $2,870 | $239 | $4,790 | $399 |
| USAA (military families)* | $551 | $46 | $1,529 | $127 |
| GEICO* | $844 | $70 | $1,670 | $139 |
| Travelers* | $621 | $52 | $2,035 | $170 |
| Westland average | $1,310 | $109 | $4,513 | $376 |
This table uses Westland ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $155 a year on average in our Westland data, with the same $500 deductibles. That’s about $13 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 Westland ZIP codes, their full-coverage average fell from $4,784 a year nine months earlier to $4,414 in rates as of Aug. 31, 2026, a 7.7% drop. Westland averages dropped 11.8% at Hanover, 5.2% at State Farm, 3.5% at Progressive and 0.8% at Auto-Owners. Leaving Hanover out, the other three insurers in both sets of rates averaged 3.4% 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 Westland 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 7.3%, led by Hanover, which cut its liability-only average 38.4%.
Westland sits in western Wayne County. The county averages about $510 a month for full coverage in our data because of Detroit, but Westland’s neighbors cost much less: Livonia averages about $335 a month and Canton $321.
Garden City and Wayne, on Westland’s borders, average about $395 and $398, a little more than Westland. Michigan insurers can group drivers by territory, so where you keep your car can move your price even though the law bars rating by ZIP code itself.
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.
Dearborn, about 11 miles east, averages $553 a month, and Ann Arbor, about 18 miles west, $295. Comparing car insurance quotes in Warren, MI? Our Warren guide has its ZIP code prices, and our state page lets you compare Michigan car insurance quotes by city.
Drivers in Westland 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 Westland averages about $376 a month ($4,513 a year) and liability-only coverage at 20/40/10 limits about $109 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 6% above the Michigan average of $354 a month. Without Hanover, the Westland average is about $288 a month.
Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Westland table, at about $139 a month, followed by Travelers at $170. USAA, which sells only to military families, is lower still, at about $127 a month. Among the five major insurers we compared, Progressive has the lowest full-coverage average, at about $177 a month, 24% below Auto-Owners’ ($234), a saving of about $689 a year for our benchmark driver. For liability-only coverage at 20/40/10 limits, Auto-Owners has the lowest average among the five major insurers we compared, at about $74 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.
No, for our benchmark driver. Westland full coverage averages about $376 a month and Livonia about $335, a difference of about $41 a month for the same driver and car.
In our data, 48185 averages about $365 a month for full coverage and 48186, on the south side, about $387, for the same driver and car.
In our Westland data, full coverage (100/300/100 with $500 deductibles) averages about $376 a month and liability-only coverage at 20/40/10 limits about $109, a difference of about $267 a month ($3,203 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 Westland 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 Westland full-coverage average fell 7.7%, from about $4,784 to $4,414 a year. That’s lower than the Westland average of $4,513 because it leaves out Farm Bureau. Hanover cut its Westland average 11.8%, State Farm 5.2%, Progressive 3.5% and Auto-Owners 0.8%. Liability-only coverage at 20/40/10 limits fell 7.3%.
For our benchmark driver, full coverage in Westland averages about $376 a month. Nearby, Livonia averages about $335, Dearborn about $553 and Detroit about $665. Livonia is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
