Cheapest Car Insurance Quotes in Alpena

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Alpena Car Insurance

^$ 31

/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 Alpena

The car insurance rate in Alpena is $1071 for a six-month policy, which is $132 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $439, making it a popular choice for budget-conscious drivers. Rates in Alpena 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 Alpena

$1071

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Alpena

1st place: Travelers

At $439 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $550 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $608 for six months, making it the third cheapest auto insurance company in Alpena.

Alpena Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Alpena, MI is Travelers, offering policies at just $439 for a six-month term. This is followed by USAA, which has an average six-month premium of $550.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $724 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Alpena drivers find the best deals.

Cheap Car Insurance Companies in Alpena, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$439	$74
USAA	$550	$93
Encompass	$608	$101
Auto-Owners Insurance Co	$624	$106
Chubb	$656	$109
Auto-Owners	$735	$124
AAA	$750	$126
Farm Bureau Ins of MI	$772	$131
Pioneer State Mutual Ins Co	$840	$140
Progressive	$840	$142
Westfield	$1047	$176
Farm Bureau	$1179	$200
State Farm	$1501	$253
Allstate	$1602	$272
Bristol West	$2088	$348
Farmers	$3246	$552
Hastings Mutual	$724	$121

Key Takeaways

Way's key takeaways about car insurance in Alpena

The auto insurance costs in Alpena fall around $439 for six months.
The cheapest auto insurance company in Alpena is Travelers.
Teen drivers pay the highest rate in Alpena at $860 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 Alpena

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 Alpena are given below.

Travelers provides the cheapest minimum car insurance coverage in Alpena. Their Average 6 Month Premium is $185. Hastings Mutual is the most expensive at $317 for the same period.

Cheapest Liability Coverage in Alpena, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$185	$31
Westfield	$196	$33
USAA	$248	$42
Encompass	$254	$43
Chubb	$270	$45
Auto-Owners Insurance Co	$291	$50
Auto-Owners	$344	$58
Farm Bureau Ins of MI	$376	$64
Progressive	$386	$65
AAA	$460	$78
Farm Bureau	$581	$97
Allstate	$682	$116
Bristol West	$872	$145
State Farm	$935	$158
Farmers	$1687	$281
Hastings Mutual	$317	$53

Cheapest Full Coverage Car Insurance in Alpena

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 Alpena is Travelers at $74 per month and $439 for six months.

Cheapest Full Coverage Car Insurance Quotes in Alpena, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$439	$74
USAA	$550	$93
Encompass	$608	$101
Auto-Owners Insurance Co	$624	$106
Chubb	$656	$109
Auto-Owners	$735	$124
AAA	$750	$126
Farm Bureau Ins of MI	$772	$131
Pioneer State Mutual Ins Co	$840	$140
Progressive	$840	$142
Westfield	$1047	$176
Farm Bureau	$1179	$200
State Farm	$1501	$253
Allstate	$1602	$272
Bristol West	$2088	$348
Farmers	$3246	$552
Hastings Mutual	$724	$121

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Average Car Insurance in Alpena 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 Alpena, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Alpena, 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, Alpena's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Alpena

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	$248
30s	USAA	$189
40s	USAA	$181
50s	USAA	$174
60s	Chubb	$158
70s	Chubb	$174

Cheapest Car Insurance Rates for Teen Drivers in Alpena,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Alpena at $36 per month. At $5159 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$217	$36
Westfield	$232	$39
Encompass	$254	$43
Chubb	$302	$52
Auto-Owners Insurance Co	$317	$53
Grange	$412	$70
USAA	$836	$141
Auto-Owners	$999	$168
AAA	$1332	$224
Farm Bureau	$1919	$327
Progressive	$2057	$346
Allstate	$3468	$590
State Farm	$3558	$593
Farmers	$14887	$2531
Bristol West	$5159	$860

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 Alpena.

As young drivers face the highest rates in Alpena, Chubb offers the cheapest auto insurance rates at $248 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 Alpena, Travelers is the cheapest car insurance provider. At $354 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 Alpena is Farm Bureau Ins of MI, offering rates of around $1121 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$354	$61
Encompass	$365	$61
Progressive	$513	$87
Westfield	$539	$90
Auto-Owners Insurance Co	$571	$97
Pioneer State Mutual Ins Co	$698	$117
Grange	$883	$150
Farm Bureau Ins of MI	$1121	$187

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

Car Insurance Rates with An Accident in Alpena

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 Alpena, MI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Alpena

The cheapest car insurance companies after an at-fault accident in Alpena include Chubb and Westfield, offering $270 and $286, respectively. Pioneer State is an expensive provider with an average six-month premium of $423.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$270	$46
Westfield	$286	$47
Auto-Owners Insurance Co	$333	$57
Encompass	$376	$62
Farm Bureau Ins of MI	$444	$76
Pioneer State Mutual Ins Co	$491	$82
Travelers	$523	$88
USAA	$656	$110
Progressive	$724	$122
Auto-Owners	$809	$136
AAA	$1036	$174
Farm Bureau	$1444	$240
State Farm	$1644	$279
Allstate	$2553	$425
Farmers	$4562	$776
Pioneer State	$423	$70

Alpena Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Alpena MI. For example, the car insurance in Alpena after a DUI increases to $2136 for a six month policy. While the rate increases by $1163 for a six-month policy in the case of a speeding ticket.

Alpena auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1163	$194
Failure to wear a seat belt	$1380	$235
Cell phone violation	$1464	$244
Texting while driving	$1464	$249
Illegal turn	$1469	$245
Wrong way/wrong lane	$1469	$250
Speeding in school zone	$1491	$248
Driving with expired registration	$1501	$255
Failure to stop at a red light	$1517	$253
Improper passing	$1517	$258
Speeding 16 - 20 MPH over limit	$1687	$281
Open container	$1987	$338
Driving with a suspended license	$2226	$371
Racing	$2870	$488
Reckless driving	$3119	$520
Leaving scene of an accident/hit and run	$3199	$544
DUI	$3299	$550

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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 Alpena 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 Alpena.

The cheapest car insurance premiums in Alpena are offered by Chubb at $270 for a six-month policy. However, it can be as expensive as $8331 with companies like Allstate.

Alpena car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$270	$45
Auto-Owners Insurance Co	$714	$121
Grange	$719	$120
Progressive	$766	$129
Pioneer State Mutual Ins Co	$867	$144
USAA	$935	$158
Travelers	$1063	$177
Auto-Owners	$1607	$271
Westfield	$1750	$295
AAA	$1808	$304
Bristol West	$2474	$412
Farmers	$2537	$427
Farm Bureau	$3003	$500
State Farm	$3780	$636
Allstate	$8331	$1388

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 Alpena are offered by Westfield at $232. However, it can be as expensive as $10515 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Alpena after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$232	$39
Chubb	$270	$45
Encompass	$286	$49
Travelers	$349	$58
Auto-Owners Insurance Co	$370	$63
Farm Bureau Ins of MI	$529	$88
USAA	$550	$93
Grange	$561	$93
Auto-Owners	$772	$131
Progressive	$1131	$190
AAA	$1147	$195
Farm Bureau	$1153	$192
Allstate	$2088	$355
State Farm	$3505	$584
Farmers	$10515	$1788

Car Insurance Price Trends in Alpena, Michigan

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

The average cost of full coverage in the Alpena dipped by $239 in December compared to $245 of November. In other words, there has been an decrease by $6 when you compare December and November.

The average cost of liability insurance in the Alpena rose to $79 in December, compared to $73 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Alpena?

The car insurance in Alpena is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Alpena?

The cheapest car insurance in Alpena is $74 per month for full coverage.

How much is car insurance in Alpena for teenagers?

Car insurance for teenagers costs $217 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 Alpena?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $180 per month to insure your car in Alpena.

Is car insurance expensive in Alpena?

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

Cheapest Car Insurance Quotes in Alpena

Why you can trust Way?

How Much Is Car Insurance in Alpena

Avg. Car Insurance in Alpena

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Alpena

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Alpena Car Insurance Rates by Company

Cheap Car Insurance Companies in Alpena, MI

Way's key takeaways about car insurance in Alpena

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Alpena

Cheapest Liability Coverage in Alpena, MI

Cheapest Full Coverage Car Insurance in Alpena

Cheapest Full Coverage Car Insurance Quotes in Alpena, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Alpena by Rating Factor

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

Car Insurance Premiums by Age in Alpena

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Alpena,MI

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

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 Alpena

Cheapest Car Insurance Companies after an At-Fault Accident in Alpena

Alpena Car Insurance Rates by Violation

Alpena auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Alpena after a DUI

Alpena car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Alpena after Speeding ticket

Car Insurance Price Trends in Alpena, Michigan

Average Car Insurance Cost in Alpena by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Alpena, MI

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

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