Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Livonia

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Livonia Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

62Reviewed

40Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

29195 Plymouth Road, Livonia, MI 48150
WebsiteLicense: 9080507

Expertise.com Rating

Review Sources

Google
4.6 (10)

Why choose this provider?

As an independent insurance agency, Warrendale Insurance Agency screens multiple companies to help clients find the suitable policy for them. Serving Livonia and nearby communities, the agency offers business and personal insurance that covers auto, home, flood, and condo insurance. Assisting vehicle owners, it provides coverage for collision, comprehensive, liability, and personal injuries. Aside from autos, Warrendale Insurance Agency also offers policies for boats, jet skis, and recreational vehicles such as ATVs.

  • RV & Motorhome
  • Boats

32646 Five Mile Road, Livonia, MI 48154
WebsiteLicense: 958871

Expertise.com Rating

Review Sources

Google
4.8 (39)

Why choose this provider?

Metro Agency, Inc., tailors each auto insurance plan to fit a client's particular needs and preferences. With a history dating back to 1959, the agency is one of the oldest independent insurance companies in Livonia. In addition to consultation over the phone, the website serves as an additional resource for potential clients to learn more about the firm's services and for existing customers to make changes in their policies or to file claims.

  • Multiple Carriers

31300 Plymouth Road, Livonia, MI 48150
WebsiteLicense: 0106113

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
5.0 (10)

Why choose this provider?

Legacy Partners Insurance Services - Livonia, established in 1919, offers car insurance within the metro and surrounding areas. They have an array of personal and commercial insurance, products that financially cover homeowners, motorcycles, inland or ocean marine, professional liability, and workers' compensation. As an independent agency, they advocate for their client's interests by analyzing and comparing products from a wide network of local and international carriers. Because of this, they are also able to facilitate referrals from other agencies.

  • Motorcyle & ATV

37464 Five Mile Road, Livonia, MI 48154
WebsiteLicense: 8337085

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Established in 1950 by Randy Cagwin, Cagwin Agency is a full-service insurance agency that serves residential and commercial clients in Livonia and nearby areas. The company offers a wide selection of policies for auto, vintage car, boat, watercraft, RV, and motorcycle insurance. Its team of agents also provides insurance plans for homeowners. Cagwin Agency is affiliated with reputable and reliable insurance companies and is a member of the American Automobile Association.

  • Multiple Carriers

15401 Farmington Road, Livonia, MI 48154
WebsiteLicense: 8583166

Expertise.com Rating

Why choose this provider?

Don Parrish is a car insurance agent based in Livonia. He caters to auto insurance cases ranging from collision and comprehensive to rental and rideshare. Don also offers other insurance services such as life, condo, and renters insurance. He is a member of the Livonia Chamber of Commerce and a supporter of the Livonia Community. Don was born and raised in the Canton Community and has been a Special Olympics volunteer for 20 years.

  • Bundling Option

17318 Farmington Road, Livonia, MI 48152
WebsiteLicense: 16905090

Expertise.com Rating

Review Sources

Google
5.0 (64)
Facebook
5.0 (7)

Why choose this provider?

Kevin Mlynek is a State Farm insurance agent offering auto coverage plans for clients in Livonia. He offers auto insurance options that are tailored to a driver or vehicle, including specialty cars such as sports, classical, and vintage. Personal vehicle owners can expect policies that include collisions and comprehensive coverage, as well as liability protection and options that secure car rentals, medical expenses, and uninsured or underinsured motorists. He also offers commercial auto insurance that includes employer's non-owned car liability coverage.

  • Multiple Carriers

33039 Schoolcraft Road, Livonia, MI 48150
WebsiteLicense: 977413

Expertise.com Rating

Review Sources

Google
5.0 (20)
Facebook
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

Garwood, Buda, Knight & Associates Inc. (GBK Insurance) is an insurance agency that specializes in auto, business, home, and life insurance products. The company is based in Livonia and offers comprehensive auto insurance policies to residents in the metro. The policies provide coverage for property damages, bodily injury liabilities, physical damages to the vehicle, as well as medical payment. GBK Insurance was established in 1968 and represents known providers such as Progressive and Michigan Millers.

  • Multiple Carriers

38145 Plymouth Road, Livonia, MI 48150
WebsiteLicense: 0006676

Expertise.com Rating

Review Sources

Facebook
5.0 (12)

Why choose this provider?

Arlington Agency Inc. is an insurance agency in Livonia that offers insurance products to residents in the metro and nearby areas. The company provides clients auto insurance policies that protect the owners, drivers, and vehicles from personal injury liabilities, property damages, and medical expenses. Its policies also cover passengers, pedestrians, and other people's properties in the event of accidents or collisions. The independent insurance agency has been operating since 1971.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

19329 Farmington Road, Livonia, MI 48152
WebsiteLicense: 964288

Expertise.com Rating

Review Sources

Google
4.9 (17)

Why choose this provider?

Paul Lee Agency, Inc., is a family-owned Asian-American insurance agency based in Livonia that offers auto insurance services. It caters to individuals, families, and businesses within the nearby areas. Since 1986, it has been providing insurance policies that protect the clients' investments and legacies. As an independent agency, it works with various carriers to provide coverages, which may include property, liability, and medical. Paul W. Lee, the C.E.O and president, has been in the industry for over 25 years.

  • Bundling Option

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • How does Michigan's new auto insurance reform affect Livonia residents and their personal injury protection (PIP) coverage choices?

    Michigan's 2019 auto insurance reform offers Livonia residents the flexibility to adjust their PIP coverage. Initially, the state-mandated unlimited PIP, but this led to high premiums. Now, Livonia drivers can opt for a range of coverage levels, including maintaining unlimited lifetime PIP or utilizing their private health insurance to defray costs. This change, effective for policies after July 1, 2020, aims to balance premium affordability with benefit options.

  • Are Livonia drivers sufficiently protected under Michigan's mandatory insurance minimums?

    While Michigan boasts some of the country's most comprehensive auto insurance regulations, Livonia drivers should be aware of potential coverage gaps. Although these laws provide robust bodily injury protection, additional measures like physical damage coverage can safeguard your vehicle, particularly during out-of-state travels. Ultimately, considering higher-than-minimum coverage is advisable if premiums remain within one's financial means.

  • How comprehensive is the no-fault auto policy coverage for Livonia families and others involved in an accident?

    In Livonia, a no-fault insurance policy extensively protects household members. Regardless of being in another's vehicle or walking, family members get personal injury protection. Furthermore, if your vehicle is in an accident, those without a no-fault policy, whether they're passengers or pedestrians, will receive coverage. Additionally, cyclists injured in collisions involving your vehicle are covered.

  • Does a standard auto insurance policy in Livonia cover mechanical breakdowns?

    Most standard auto insurance policies in Livonia don't cover mechanical failures unless they're a result of an accident or malicious damage. If a vehicle malfunctions, one should verify if it's within its warranty period, which could help offset repair expenses. Non-collision-related breakdowns usually fall outside the scope of most auto policies' coverage.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.