Cheapest Car Insurance Quotes in Allen Park

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Allen Park Car Insurance

^$ 55

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Allen Park

The car insurance rate in Allen Park is $1901 for a six-month policy, which is $698 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $779, making it a popular choice for budget-conscious drivers. Rates in Allen Park can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Allen Park

$1901

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Allen Park

1st place: Travelers

At $779 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $976 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1079 for six months, making it the third cheapest auto insurance company in Allen Park.

Allen Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Allen Park, MI is Travelers, offering policies at just $779 for a six-month term. This is followed by USAA, which has an average six-month premium of $976.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1286 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Allen Park drivers find the best deals.

Cheap Car Insurance Companies in Allen Park, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$779	$131
USAA	$976	$164
Encompass	$1079	$180
Auto-Owners Insurance Co	$1108	$188
Chubb	$1164	$194
Auto-Owners	$1305	$220
AAA	$1332	$224
Farm Bureau Ins of MI	$1370	$232
Pioneer State Mutual Ins Co	$1492	$248
Progressive	$1492	$251
Westfield	$1858	$313
Farm Bureau	$2094	$356
State Farm	$2665	$449
Allstate	$2844	$483
Bristol West	$3707	$618
Farmers	$5762	$980
Hastings Mutual	$1286	$215

Key Takeaways

Way's key takeaways about car insurance in Allen Park

The auto insurance costs in Allen Park fall around $779 for six months.
The cheapest auto insurance company in Allen Park is Travelers.
Teen drivers pay the highest rate in Allen Park at $1526 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Allen Park

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Allen Park are given below.

Travelers provides the cheapest minimum car insurance coverage in Allen Park. Their Average 6 Month Premium is $329. Hastings Mutual is the most expensive at $562 for the same period.

Cheapest Liability Coverage in Allen Park, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$329	$55
Westfield	$348	$58
USAA	$441	$74
Encompass	$450	$76
Chubb	$479	$79
Auto-Owners Insurance Co	$517	$88
Auto-Owners	$610	$103
Farm Bureau Ins of MI	$667	$114
Progressive	$686	$115
AAA	$817	$139
Farm Bureau	$1032	$172
Allstate	$1210	$205
Bristol West	$1548	$258
State Farm	$1661	$280
Farmers	$2994	$499
Hastings Mutual	$562	$93

Cheapest Full Coverage Car Insurance in Allen Park

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Allen Park is Travelers at $131 per month and $779 for six months.

Cheapest Full Coverage Car Insurance Quotes in Allen Park, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$779	$131
USAA	$976	$164
Encompass	$1079	$180
Auto-Owners Insurance Co	$1108	$188
Chubb	$1164	$194
Auto-Owners	$1305	$220
AAA	$1332	$224
Farm Bureau Ins of MI	$1370	$232
Pioneer State Mutual Ins Co	$1492	$248
Progressive	$1492	$251
Westfield	$1858	$313
Farm Bureau	$2094	$356
State Farm	$2665	$449
Allstate	$2844	$483
Bristol West	$3707	$618
Farmers	$5762	$980
Hastings Mutual	$1286	$215

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Average Car Insurance in Allen Park by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Allen Park, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Allen Park, Michigan, may be increasing due to several external factors. Michigan has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Allen Park's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Allen Park

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Chubb	$441
30s	USAA	$335
40s	USAA	$321
50s	USAA	$308
60s	Chubb	$281
70s	Chubb	$308

Cheapest Car Insurance Rates for Teen Drivers in Allen Park,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Allen Park at $65 per month. At $9159 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$386	$65
Westfield	$412	$70
Encompass	$450	$76
Chubb	$536	$92
Auto-Owners Insurance Co	$562	$93
Grange	$732	$125
USAA	$1484	$250
Auto-Owners	$1774	$299
AAA	$2365	$398
Farm Bureau	$3406	$580
Progressive	$3651	$615
Allstate	$6157	$1048
State Farm	$6317	$1052
Farmers	$26429	$4494
Bristol West	$9159	$1526

Teen Car Insurance Rates in MI by Age

Way Tip

If you are in your twenties Chubb is the best choice for car insurance in Allen Park.

As young drivers face the highest rates in Allen Park, Chubb offers the cheapest auto insurance rates at $441 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Allen Park, Travelers is the cheapest car insurance provider. At $629 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Allen Park is Farm Bureau Ins of MI, offering rates of around $1989 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$629	$107
Encompass	$648	$107
Progressive	$910	$155
Westfield	$957	$160
Auto-Owners Insurance Co	$1014	$172
Pioneer State Mutual Ins Co	$1239	$207
Grange	$1567	$267
Farm Bureau Ins of MI	$1989	$332

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Save up to $971/yr on car insurance rates in Allen Park.

Car Insurance Rates with An Accident in Allen Park

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Allen Park, MI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Allen Park

The cheapest car insurance companies after an at-fault accident in Allen Park include Chubb and Westfield, offering $479 and $507, respectively. Pioneer State is an expensive provider with an average six-month premium of $751.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$479	$82
Westfield	$507	$84
Auto-Owners Insurance Co	$591	$101
Encompass	$667	$111
Farm Bureau Ins of MI	$788	$134
Pioneer State Mutual Ins Co	$872	$145
Travelers	$929	$156
USAA	$1164	$196
Progressive	$1286	$216
Auto-Owners	$1436	$242
AAA	$1839	$310
Farm Bureau	$2563	$427
State Farm	$2918	$496
Allstate	$4533	$755
Farmers	$8099	$1378
Pioneer State	$751	$125

Allen Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Allen Park MI. For example, the car insurance in Allen Park after a DUI increases to $3792 for a six month policy. While the rate increases by $2065 for a six-month policy in the case of a speeding ticket.

Allen Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2065	$344
Failure to wear a seat belt	$2449	$417
Cell phone violation	$2599	$433
Texting while driving	$2599	$442
Illegal turn	$2609	$435
Wrong way/wrong lane	$2609	$444
Speeding in school zone	$2647	$441
Driving with expired registration	$2665	$453
Failure to stop at a red light	$2694	$449
Improper passing	$2694	$458
Speeding 16 - 20 MPH over limit	$2994	$499
Open container	$3528	$600
Driving with a suspended license	$3952	$659
Racing	$5096	$866
Reckless driving	$5538	$923
Leaving scene of an accident/hit and run	$5679	$965
DUI	$5857	$976

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Allen Park after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Allen Park.

The cheapest car insurance premiums in Allen Park are offered by Chubb at $479 for a six-month policy. However, it can be as expensive as $14790 with companies like Allstate.

Allen Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$479	$79
Auto-Owners Insurance Co	$1267	$215
Grange	$1277	$213
Progressive	$1360	$229
Pioneer State Mutual Ins Co	$1539	$256
USAA	$1661	$280
Travelers	$1887	$314
Auto-Owners	$2853	$480
Westfield	$3106	$523
AAA	$3209	$540
Bristol West	$4392	$732
Farmers	$4505	$758
Farm Bureau	$5331	$888
State Farm	$6710	$1130
Allstate	$14790	$2465

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Allen Park are offered by Westfield at $412. However, it can be as expensive as $18668 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Allen Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$412	$70
Chubb	$479	$79
Encompass	$507	$87
Travelers	$619	$103
Auto-Owners Insurance Co	$657	$112
Farm Bureau Ins of MI	$939	$156
USAA	$976	$166
Grange	$995	$166
Auto-Owners	$1370	$232
Progressive	$2008	$338
AAA	$2037	$346
Farm Bureau	$2046	$341
Allstate	$3707	$630
State Farm	$6222	$1036
Farmers	$18668	$3174

Car Insurance Price Trends in Allen Park, Michigan

Car insurance rates in Allen Park have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Allen Park dipped by $423 in December compared to $435 of November. In other words, there has been an decrease by $12 when you compare December and November.

The average cost of liability insurance in the Allen Park rose to $141 in December, compared to $130 in November. This represents an increase of $11 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Allen Park?

The car insurance in Allen Park is $55 per month, which is lower than the national average.

What is the cheapest car insurance in Allen Park?

The cheapest car insurance in Allen Park is $131 per month for full coverage.

How much is car insurance in Allen Park for teenagers?

Car insurance for teenagers costs $386 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Allen Park?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $319 per month to insure your car in Allen Park.

Is car insurance expensive in Allen Park?

Car insurance can be expensive in Allen Park if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Allen Park can be affordable.

Cheapest Car Insurance Quotes in Allen Park

Why you can trust Way?

How Much Is Car Insurance in Allen Park

Avg. Car Insurance in Allen Park

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Allen Park

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Allen Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Allen Park, MI

Way's key takeaways about car insurance in Allen Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Allen Park

Cheapest Liability Coverage in Allen Park, MI

Cheapest Full Coverage Car Insurance in Allen Park

Cheapest Full Coverage Car Insurance Quotes in Allen Park, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Allen Park by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Allen Park, MI increasing?

Car Insurance Premiums by Age in Allen Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Allen Park,MI

If you are in your twenties Chubb is the best choice for car insurance in Allen Park.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Allen Park

Cheapest Car Insurance Companies after an At-Fault Accident in Allen Park

Allen Park Car Insurance Rates by Violation

Allen Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Allen Park after a DUI

Allen Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Allen Park after Speeding ticket

Car Insurance Price Trends in Allen Park, Michigan

Average Car Insurance Cost in Allen Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Allen Park, MI

Car Insurance Rates by State in the USA (2025 Update)

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