Atlas Insurance Agency
520 E 4th Street, Royal Oak, MI 48067
View this agency's profile to learn more about their services.
Loading...
City directory
Royal Oak households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
520 E 4th Street, Royal Oak, MI 48067
View this agency's profile to learn more about their services.
26080 Woodward Ave, Royal Oak, MI 48067
View this agency's profile to learn more about their services.
3337 Garden Ave, Royal Oak, MI 48073
View this agency's profile to learn more about their services.
415 S. West St, Suite 350, Royal Oak, MI 48067
View this agency's profile to learn more about their services.
2769 Coolidge Hwy, Royal Oak, MI 48073
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Royal Oak residents.
Royal Oak residents pay $1,249/year for auto insurance vs. Michigan's $3,146 average. Get rates, weather risks, and find local agents in Oakland County.
Home InsuranceRoyal Oak home insurance costs $1,200-$1,600/year. Learn about coverage for diverse housing, weather risks, and ways to save on premiums in Oakland County.
Car InsuranceRoyal Oak drivers pay $1,248/year on average. Learn about Michigan's no-fault system, unlimited PIP options, I-696 risks, and required 50/100/10 coverage.
Royal Oak residents benefit from lower auto insurance rates—averaging around $1,249 annually compared to Michigan's state average of $3,146—primarily due to the city's lower crime rates and moderate traffic conditions. Insurance companies assess risk based on factors like theft rates, accident frequency, and population density. Royal Oak's suburban character combined with strong community safety measures results in fewer claims, which translates to lower premiums for drivers.
Flood insurance is not mandatory for most Royal Oak residents since the city has a very low flood risk designation (FEMA Zone X). However, Oakland County has experienced significant flooding events, particularly during the 2014 Detroit Flood and during spring thaw and summer storm seasons. If your property is in a low-lying area or you want comprehensive protection, purchasing optional flood insurance through the National Flood Insurance Program or a private insurer is worth considering, as standard homeowners policies exclude flood damage.
Michigan's no-fault system means that after an accident, both drivers file claims with their own insurance companies regardless of who caused the collision. Your Personal Injury Protection (PIP) coverage pays for your medical expenses and lost wages, while your property protection coverage handles damage to other people's property. Since 2020, Michigan law allows you to choose your PIP coverage level, which can significantly reduce your premiums if you have qualified health insurance through other sources.
Most insurance carriers offer multi-policy discounts ranging from 15% to 25% when you bundle your auto and home insurance. For a typical Royal Oak resident paying $1,249 for auto insurance and $1,400 for home insurance annually, a 20% bundle discount could save approximately $530 per year. Beyond savings, bundling simplifies your insurance management with one point of contact, a single renewal date, and streamlined claims processes.
Royal Oak homeowners face several weather-related risks including winter storms with heavy snowfall and ice that can damage roofs and cause power outages, severe thunderstorms with high winds and hail during spring and summer, and flooding from heavy rainfall and spring snowmelt particularly in low-lying areas. Standard homeowners insurance typically covers wind, hail, and lightning damage, but flood damage requires separate coverage. Consider additional protection for these specific Michigan weather challenges.
Working with a local independent insurance agent in Royal Oak offers significant advantages. Independent agents represent multiple carriers, allowing them to shop your coverage across various companies to find the best rates. They understand Oakland County's specific insurance challenges, Michigan's complex no-fault system, and which carriers handle claims most efficiently. Local agents also provide personalized service and advocate for you during the claims process, which can be invaluable when you need support most.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network