Westland car insurance averages approximately $255 per month for full coverage in 2026, similar to other western Wayne County suburbs and well above Michigan’s statewide average of about $114/month. Comparing quotes from multiple carriers using your exact ZIP code and driver profile is the most reliable way to find your lowest rate.
Rates last verified and updated: July 2026.
How Much Does the Average Car Insurance Policy Cost in Westland, MI?
- On average minimum liability costs for Westland drivers is $230 a month or $2,755 a year.
- Full coverage policies cost around $506 a month or $6,073 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Westland – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Who Has the Cheapest Car Insurance in Westland, MI?
- In Westland on average the cheapest car insurance providers are Progressive, Auto-Owners and State Farm. State minimum liability car insurance starts at $90 a month or $$1,079 a year. Full coverage car insurance starts at $236 a month or $2,826 a year with Progressive.
Here is a breakdown of average costs from the cheapest local insurance providers in Westland from our cost data set of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Progressive: | $1,079 | $90 | $2,826 | $236 |
| Auto-Owners Insurance: | $1,977 | $165 | $5,444 | $454 |
| State Farm | $7,889 | $657 | $14,521 | $1,210 |
| AAA – Member Select: | $12,378 | $1,032 | $17,778 | $1,481 |
| Citizens Insurance: | $21,261 | $1,772 | $38,021 | $3,168 |
What are State Minimum Liability Requirements in Michigan
Westland drivers, like everyone else in Wayne County, fall under Michigan’s no-fault insurance system, regulated by the Michigan Department of Insurance and Financial Services. Every driver must carry Personal Injury Protection (PIP) coverage, which pays medical bills and lost wages after a crash regardless of fault — a major reason western Wayne County premiums run well above the statewide average.
- Personal Injury Protection (PIP): Michigan drivers were required to have PIP coverage, also known as “no-fault” coverage. PIP covered medical expenses, lost wages, and other related costs for you and your passengers, regardless of who was at fault in an accident. The minimum PIP coverage limits were determined by the state and were subject to change.
- Property Protection Insurance (PPI): Michigan drivers were also required to have Property Protection Insurance (PPI), which covered up to $1 million for damage your vehicle caused to another person’s property, such as buildings, fences, and parked vehicles.
Michigan also requires bodily injury liability coverage of at least $50,000 per person and $100,000 per accident, and $10,000 in property damage liability for accidents outside Michigan. Note that state law actually defaults new policies to $250,000/$500,000 in bodily injury liability unless the driver signs a waiver selecting the lower $50,000/$100,000 limits.
Because Westland’s rates already run above the Michigan average, it pays to compare quotes from multiple carriers rather than renewing automatically each year. If you’re also insuring a house or apartment in western Wayne County, you can compare Michigan home insurance rates here to see if bundling both policies saves you more.
Compare Car Insurance in Nearby Michigan Cities
- Car insurance in Warren, MI
- Car insurance in Grand Rapids, MI
- Car insurance in Muskegon, MI
- Car insurance in Lansing, MI
See all Michigan car insurance rates.
Westland car insurance averages approximately $255 per month for full coverage in 2026, well above Michigan’s statewide average of about $114/month. As a western Wayne County suburb of Detroit, Westland falls within one of the state’s higher-cost auto insurance rating territories.
Michigan requires bodily injury liability of at least $50,000 per person and $100,000 per accident, $10,000 in property protection insurance for damage in other states, and Personal Injury Protection (PIP) chosen from tiered options ($50,000, $250,000, $500,000, or unlimited). Michigan is a no-fault state.
Westland sits within Wayne County, part of the Metro Detroit rating territory that carries some of the highest auto insurance costs in the country due to elevated claims fraud, vehicle theft, and traffic density. Cities further from Detroit, like those in western Michigan, typically see substantially lower rates.
GEICO and Auto-Owners are typically among the most competitively priced carriers for Wayne County drivers. Comparing PIP tier options and bundling with a home or renters policy are the most reliable ways to lower your rate here.
Yes. Drivers who qualify for a lower PIP tier under Michigan’s reformed no-fault system, maintain a clean driving record, and complete a defensive driving course can often offset some of the Metro Detroit territory surcharge that affects Westland and its neighboring Wayne County communities.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
