Cheapest Car Insurance Quotes in Auburn Hills

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Auburn Hills Car Insurance

^$ 39

/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 Auburn Hills

The car insurance rate in Auburn Hills is $1483 for a six-month policy, which is $159 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $552, making it a popular choice for budget-conscious drivers. Rates in Auburn Hills 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 Auburn Hills

$1483

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Auburn Hills

1st place: Travelers

At $552 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $706 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $765 for six months, making it the third cheapest auto insurance company in Auburn Hills.

Auburn Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Auburn Hills, MI is Travelers, offering policies at just $552 for a six-month term. This is followed by USAA, which has an average six-month premium of $706.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $912 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Auburn Hills drivers find the best deals.

Cheap Car Insurance Companies in Auburn Hills, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$552	$93
USAA	$706	$119
Encompass	$765	$130
Auto-Owners Insurance Co	$785	$131
Chubb	$825	$140
Farm Bureau Ins of MI	$971	$162
Auto-Owners	$1018	$171
AAA	$1025	$172
Pioneer State Mutual Ins Co	$1057	$180
Progressive	$1084	$183
Westfield	$1317	$222
Farm Bureau	$1883	$314
Pioneer State Mutual	$2050	$348
State Farm	$2188	$368
Frankenmuth	$2328	$396
Bristol West	$2628	$438
Allstate	$2016	$343
Farmers	$4085	$694
Hastings Mutual	$912	$152

Key Takeaways

Way's key takeaways about car insurance in Auburn Hills

The auto insurance costs in Auburn Hills fall around $552 for six months.
The cheapest auto insurance company in Auburn Hills is Travelers.
Teen drivers pay the highest rate in Auburn Hills at $1082 per month.

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Cheapest Minimum Liability Car Insurance in Auburn Hills

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 Auburn Hills are given below.

Travelers provides the cheapest minimum car insurance coverage in Auburn Hills. Their Average 6 Month Premium is $233. Farmers is the most expensive at $2122 for the same period.

Cheapest Liability Coverage in Auburn Hills, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$233	$39
Westfield	$246	$41
USAA	$292	$49
Encompass	$319	$54
Chubb	$339	$58
Auto-Owners Insurance Co	$366	$60
Auto-Owners	$405	$68
Progressive	$459	$77
AAA	$466	$80
Farm Bureau Ins of MI	$473	$78
Farm Bureau	$592	$101
Pioneer State Mutual	$599	$100
Frankenmuth	$706	$120
State Farm	$1091	$184
Bristol West	$1098	$187
Allstate	$858	$146
Farmers	$2122	$354

Cheapest Full Coverage Car Insurance in Auburn Hills

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 Auburn Hills is Travelers at $93 per month and $552 for six months.

Cheapest Full Coverage Car Insurance Quotes in Auburn Hills, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$552	$93
USAA	$706	$119
Encompass	$765	$130
Auto-Owners Insurance Co	$785	$131
Chubb	$825	$140
Farm Bureau Ins of MI	$971	$162
Auto-Owners	$1018	$171
AAA	$1025	$172
Pioneer State Mutual Ins Co	$1057	$180
Progressive	$1084	$183
Westfield	$1317	$222
Farm Bureau	$1883	$314
Pioneer State Mutual	$2050	$348
State Farm	$2188	$368
Frankenmuth	$2328	$396
Bristol West	$2628	$438
Allstate	$2016	$343
Farmers	$4085	$694
Hastings Mutual	$912	$152

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Average Car Insurance in Auburn Hills 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 Auburn Hills, MI increasing?

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

Car Insurance Premiums by Age in Auburn Hills

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

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Cheapest Car Insurance Rates for Teen Drivers in Auburn Hills,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Auburn Hills at $46 per month. At $6493 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$273	$46
Westfield	$292	$49
Encompass	$319	$54
Chubb	$380	$65
Auto-Owners Insurance Co	$399	$66
Grange	$519	$88
USAA	$1124	$189
Auto-Owners	$1410	$237
AAA	$1830	$308
Progressive	$2582	$435
Farm Bureau	$3073	$512
Pioneer State Mutual	$3605	$613
Frankenmuth	$4297	$717
State Farm	$6041	$1027
Allstate	$4365	$743
Farmers	$18734	$3185
Bristol West	$6493	$1082

Teen Car Insurance Rates in MI by Age

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 Auburn Hills, Travelers is the cheapest car insurance provider. At $446 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 Auburn Hills is Farm Bureau Ins of MI, offering rates of around $1410 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$446	$74
Encompass	$459	$78
Progressive	$645	$108
Westfield	$679	$115
Auto-Owners Insurance Co	$719	$120
Pioneer State Mutual Ins Co	$878	$149
Grange	$1111	$185
Farm Bureau Ins of MI	$1410	$240

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Car Insurance Rates with An Accident in Auburn Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Auburn Hills

The cheapest car insurance companies after an at-fault accident in Auburn Hills include Chubb and Westfield, offering $339 and $360, respectively. Pioneer State is an expensive provider with an average six-month premium of $532.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$339	$58
Westfield	$360	$59
Auto-Owners Insurance Co	$419	$72
Encompass	$473	$78
Farm Bureau Ins of MI	$559	$95
Pioneer State Mutual Ins Co	$618	$103
Travelers	$659	$111
USAA	$858	$144
Progressive	$1018	$171
Auto-Owners	$1184	$199
AAA	$1410	$237
Farm Bureau	$2302	$384
Pioneer State Mutual	$2455	$418
State Farm	$2774	$463
Frankenmuth	$2994	$510
Allstate	$3213	$535
Farmers	$5741	$977
Pioneer State	$532	$88

Auburn Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Auburn Hills MI. For example, the car insurance in Auburn Hills after a DUI increases to $2688 for a six month policy. While the rate increases by $1464 for a six-month policy in the case of a speeding ticket.

Auburn Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1464	$244
Failure to wear a seat belt	$1736	$296
Cell phone violation	$1842	$307
Texting while driving	$1842	$314
Illegal turn	$1849	$308
Wrong way/wrong lane	$1849	$315
Speeding in school zone	$1876	$312
Driving with expired registration	$1889	$321
Failure to stop at a red light	$1910	$318
Improper passing	$1910	$325
Speeding 16 - 20 MPH over limit	$2122	$354
Open container	$2501	$426
Driving with a suspended license	$2801	$467
Racing	$3612	$614
Reckless driving	$3926	$654
Leaving scene of an accident/hit and run	$4025	$684
DUI	$4152	$692

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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 Auburn Hills 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 Auburn Hills.

The cheapest car insurance premiums in Auburn Hills are offered by Chubb at $339 for a six-month policy. However, it can be as expensive as $10484 with companies like Allstate.

Auburn Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$339	$56
Auto-Owners Insurance Co	$898	$152
Grange	$905	$151
Farmers	$918	$156
Progressive	$1011	$170
Pioneer State Mutual Ins Co	$1091	$186
USAA	$1211	$204
Travelers	$1337	$227
Auto-Owners	$2163	$364
Westfield	$2202	$371
AAA	$2428	$409
Bristol West	$3114	$530
Pioneer State Mutual	$3919	$653
Farm Bureau	$4610	$784
State Farm	$5702	$960
Frankenmuth	$10319	$1755
Allstate	$10484	$1747

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 Auburn Hills are offered by Westfield at $292. However, it can be as expensive as $13233 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Auburn Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$292	$49
Chubb	$339	$56
Encompass	$360	$62
Travelers	$439	$73
Auto-Owners Insurance Co	$466	$80
Farm Bureau Ins of MI	$665	$111
Grange	$706	$120
Auto-Owners	$885	$148
USAA	$905	$153
AAA	$1145	$190
Farm Bureau	$1184	$202
Pioneer State Mutual	$1304	$217
Progressive	$1331	$224
Frankenmuth	$2129	$355
State Farm	$3872	$659
Allstate	$2628	$447
Farmers	$13233	$2250

Car Insurance Price Trends in Auburn Hills, Michigan

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

The average cost of full coverage in the Auburn Hills dipped by $235 in January compared to $300 of December. In other words, there has been an decrease by $65 when you compare January and December.

The average cost of liability insurance in the Auburn Hills dipped to $83 in January, compared to $100 in December. This represents an decrease of $17 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Auburn Hills?

The car insurance in Auburn Hills is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Auburn Hills?

The cheapest car insurance in Auburn Hills is $93 per month for full coverage.

How much is car insurance in Auburn Hills for teenagers?

Car insurance for teenagers costs $273 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 Auburn Hills?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $250 per month to insure your car in Auburn Hills.

Is car insurance expensive in Auburn Hills?

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

Cheapest Car Insurance Quotes in Auburn Hills

Why you can trust Way?

How Much Is Car Insurance in Auburn Hills

Avg. Car Insurance in Auburn Hills

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Auburn Hills

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Auburn Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Auburn Hills, MI

Way's key takeaways about car insurance in Auburn Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Auburn Hills

Cheapest Liability Coverage in Auburn Hills, MI

Cheapest Full Coverage Car Insurance in Auburn Hills

Cheapest Full Coverage Car Insurance Quotes in Auburn Hills, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Auburn Hills by Rating Factor

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

Car Insurance Premiums by Age in Auburn Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Auburn Hills,MI

If you are in your twenties N/A is the best choice for car insurance in Auburn Hills.

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 Auburn Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Auburn Hills

Auburn Hills Car Insurance Rates by Violation

Auburn Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Auburn Hills after a DUI

Auburn Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Auburn Hills after Speeding ticket

Car Insurance Price Trends in Auburn Hills, Michigan

Average Car Insurance Cost in Auburn Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Auburn Hills, MI

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

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