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Cheap Car Insurance in Livonia, Michigan

Locate cheap car insurance in Livonia, Mich., a suburban city in the Detroit metro. Part of Wayne County, Livonia lies about 25 minutes from downtown Detroit and is home to about 94,000 residents living in its 36 square miles. The city officially incorporated in 1950, and most of its traditional residential areas were built in the 1950s and 60s. The cost of living, large number of city parks and recreational facilities and low crime rates make it attractive for families. The city opened its first dog park in 2018, and a major wine and spirits distributor recently announced plans to open a location in Livonia by 2019.

Driving Conditions in Livonia

Livonia has easy access to Interstate 96, known as the Jeffries Expressway, and north-south via the I-275 Expressway. Major streets are laid out in a grid pattern. Detroit is 25 miles away on I-96. Motorists driving within or passing through Livonia are advised to mind speed limits, since the city was recently included in a top five ranking of worst speed trap cities in the state.

The average commute time for Livonia, according to U.S. Census Bureau data, is just over 23 minutes, about 3 minutes shorter than the U.S. average. Traffic may not be as much of a problem as in some cities, but winter weather is a different story. Michigan authorities recommend drivers check for advisories at or by calling 800-381-8477. State police update advisories at least twice per day from November to March. The Michigan Department of Transportation provides real-time traffic maps, cameras through downloadable apps and through its website at

Unique Laws in Livonia

If you leave your car parked on the street in Livonia during a “snow emergency,” you’ll risk getting a ticket from the city’s Department of Public Works. The city authorized public works to issue tickets so it has greater control of clearing city roads instead of having to call in another department for enforcement.

It is still against the law in Michigan to “contumeliously reproach” God, should anyone accuse you of doing so.

Outdated Michigan laws prohibit cursing in front of women and children, though it is unknown whether women and children can be charged if they are the guilty party. The laws also state that the Star Spangled Banner must be performed as an “entire and separate composition without embellishments,” thus any medleys involving the National Anthem are out. Thankfully, the Michigan code continues to be enforced regarding duels, which are basically a gunfight between disagreeing parties. Michigan residents also may not scalp steamboat tickets or put deformed humans on exhibit except for scientific and medical purposes.

Livonia Crime Statistics

Crime rates in Livonia are lower across the board than national averages. Data compiled by the Federal Bureau of Investigation for 2016 states there were 141 violent crimes in Livonia, none of which were murder or manslaughter. The local violent crime rate of 149.6 offenses per 100,000 residents is well below the national average of 386 offenses per 100,000 people.

The property crime rate in Livonia the same year was 1,797.8 offenses per 100,000 residents, also below the U.S. average of 2,451 incidents per 100,000 residents. Within the city, 149 vehicles were stolen in 2016, FBI data shows, a rate of 159.1 incidents per 100,000 residents. The national average is 236 incidents per 100,000 people.

Livonia safety requirements

Michigan has a “primary” seat belt law, which means law enforcement can stop and ticket motorists solely for not buckling up. State law also requires children younger than 4 be secured in an approved safety seat. After age 4, they must be in a booster seat until age 8 or until they are 4 feet, 9 inches tall. Everyone else in the car must wear seat belts unless they are at least 16 years of age and riding in the back seat. A rear-facing car seat can be installed in a front seat only if there is no rear seat or the rear seat is occupied by children under four, and the airbag for that seat is turned off, according to the Michigan State Police. Since 2010, texting and driving have been prohibited statewide, and lawmakers are currently debating a bill banning cellphone use while driving, though there are no current bans against it.

Livonia impaired driving laws

Drivers with a blood alcohol concentration of .08 or higher are charged with driving OWI, or Operating While Intoxicated, in Michigan, which also has an OWVI, or Operating While Visibly Impaired, law for drivers who are under .08 but are obviously impaired. Charges are enhanced if a driver’s BAC is .17 or more. The BAC drops to .02 for those under 21. First offenders face up to 93 days in jail, plus fines, license suspension for 30 days and a possible ignition interlock device, which is not cheap either. For those with an enhanced charge for high BAC, it’s up to 180 days in jail, higher fines and up to 360 hours of community service for a first offense. No matter what you circumstances, we can help find cheap car insurance rates in Livonia, Mich.

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  • Josh Shunk: Allstate Insurance


    Josh Shunk

    Insurance agency, home insurance, auto insurance, car insurance, life insurance, motorcycle insurance, recreational vehicles insurance, boat insurance, renters insurance, business insurance

    What makes your specific agency stand out from your competition?

    Allstate agent josh shunk serving livonia, mi is committed to helping you find the best quote for your auto insurance, car insurance, motorcycle insurance, recreational vehicles insurance, boat insurance. Meet one of our insurance agents to get a quick insurance quote.

    • Discount and Special Program offered Safe Driver Multi Line Discount Smart Driver Student Driver Good Driver Accident Free

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    • License Number


    34391 Plymouth Rd Livonia, Mi
    Livonia, MI 48150

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  • Insurance Planning Service


    Rick Bernard

    Insurance planning service specializes in business, liability, workers comp, life, personal and childcare insurance in livonia, farmington hills & wayne county, mi.

    What makes your specific agency stand out from your competition?

    Proudly located near the heart of livonia, insurance planning service has been serving the diverse coverage needs of individuals, families and businesses in southeast michigan since 1957. With commitment to the local community and to the state of michigan, insurance planning service has continued to evolve into a leading source for michigan insurance.

    insurance planning service is a well-respected insurance authority providing quality protection and superior customer service at affordable rates on michigan business insurance, home insurance and auto insurance throughout the detroit metropolitan area and livonia. As an independent agency, we represent many insurance carriers enabling our staff to effectively compare rates and coverage, ensuring that our clients receive the quality protection they deserve. Our extensive network of providers guarantees that we can secure superior michigan insurance for your coverage needs!

    • Discount and Special Program offered Auto Insurance Business Insurance Childcare Insurance Contractors Insurance Homeowners Insurance Life Insurance Manufactured Home Insurance Motorcycle Insurance Pest Control Insurance Recreational Vehicle Insurance Renters Insurance Term Life Insurance

    • License Type

      P & C

    • License Number


    15624 Farmington Road
    Livonia, MI 48154

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  • Cheryl Bowker

    31221 5 Mile Rd
    Livonia, MI 48154

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    The Cheryl Bowker Allstate agency is wonderful! Their staff is always so helpful and they return my calls quickly! I am always greeted by a friendly voice on the other end and I am treated very well. They take the time to explain my coverages and how my insurance works. I have been insured with many other companies in the past, but I will now always be an Allstate client!

    This is the first time in my life where an insurance company didn’t treat me like i was a number and actually want to know everything about me. Its nice to call up my agent James and him knowing exactly who I am, and not having to answer a bunch of questions other than how my weekend was, or my vacation was. and he helped me figure what coverage i needed as well as saved me a lot of money.

  • Ken Wagner Insurance Agency

    11756 Newburgh Rd
    Livonia, MI 48150

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    All the ads show how much you can save on insurance, not what you are actually insuring. The Wagner’s make sure you are covered in the event of a catastrophe. Beware insurance companies and agents that try to hit a prcie rather than the right coverage at the right price. This is the place you can trust to steer you in the right direction at the right price.

  • Insurance Planning Service

    15624 Farmington Rd
    Livonia, MI 48154

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    Service is fantastic! They are always ready to help me with any problem I may have and issues are resolved quickly. They review my insurance to see if there are additional savings I qualify for. The best part of their service is that I am treated more like a neighbor than simply a customer. They know me, I’m not just a name on the computer.

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Auto body shops Livonia, Michigan

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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