Cheapest Car Insurance Quotes in Bingham Farms

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Bingham Farms Car Insurance

^$ 41

/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 Bingham Farms

The car insurance rate in Bingham Farms is $1408 for a six-month policy, which is $205 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $577, making it a popular choice for budget-conscious drivers. Rates in Bingham Farms 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 Bingham Farms

$1408

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Bingham Farms

1st place: Travelers

At $577 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $723 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $799 for six months, making it the third cheapest auto insurance company in Bingham Farms.

Bingham Farms Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bingham Farms, MI is Travelers, offering policies at just $577 for a six-month term. This is followed by USAA, which has an average six-month premium of $723.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $952 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bingham Farms drivers find the best deals.

Cheap Car Insurance Companies in Bingham Farms, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$577	$97
USAA	$723	$122
Encompass	$799	$133
Auto-Owners Insurance Co	$820	$139
Chubb	$862	$144
Auto-Owners	$966	$163
AAA	$986	$166
Farm Bureau Ins of MI	$1014	$172
Pioneer State Mutual Ins Co	$1104	$184
Progressive	$1104	$186
Westfield	$1376	$232
Farm Bureau	$1550	$263
State Farm	$1974	$332
Allstate	$2106	$358
Bristol West	$2745	$457
Farmers	$4267	$725
Hastings Mutual	$952	$159

Key Takeaways

Way's key takeaways about car insurance in Bingham Farms

The auto insurance costs in Bingham Farms fall around $577 for six months.
The cheapest auto insurance company in Bingham Farms is Travelers.
Teen drivers pay the highest rate in Bingham Farms at $1130 per month.

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Cheapest Minimum Liability Car Insurance in Bingham Farms

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 Bingham Farms are given below.

Travelers provides the cheapest minimum car insurance coverage in Bingham Farms. Their Average 6 Month Premium is $243. Hastings Mutual is the most expensive at $417 for the same period.

Cheapest Liability Coverage in Bingham Farms, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$243	$41
Westfield	$257	$43
USAA	$326	$55
Encompass	$333	$56
Chubb	$355	$59
Auto-Owners Insurance Co	$383	$66
Auto-Owners	$452	$76
Farm Bureau Ins of MI	$494	$84
Progressive	$508	$85
AAA	$605	$103
Farm Bureau	$764	$128
Allstate	$896	$152
Bristol West	$1147	$191
State Farm	$1230	$207
Farmers	$2217	$370
Hastings Mutual	$417	$69

Cheapest Full Coverage Car Insurance in Bingham Farms

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 Bingham Farms is Travelers at $97 per month and $577 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bingham Farms, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$577	$97
USAA	$723	$122
Encompass	$799	$133
Auto-Owners Insurance Co	$820	$139
Chubb	$862	$144
Auto-Owners	$966	$163
AAA	$986	$166
Farm Bureau Ins of MI	$1014	$172
Pioneer State Mutual Ins Co	$1104	$184
Progressive	$1104	$186
Westfield	$1376	$232
Farm Bureau	$1550	$263
State Farm	$1974	$332
Allstate	$2106	$358
Bristol West	$2745	$457
Farmers	$4267	$725
Hastings Mutual	$952	$159

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Average Car Insurance in Bingham Farms 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 Bingham Farms, MI increasing?

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

Car Insurance Premiums by Age in Bingham Farms

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	$326
30s	USAA	$248
40s	USAA	$238
50s	USAA	$228
60s	Chubb	$208
70s	Chubb	$228

Cheapest Car Insurance Rates for Teen Drivers in Bingham Farms,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Bingham Farms at $48 per month. At $6782 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$285	$48
Westfield	$305	$51
Encompass	$333	$56
Chubb	$397	$68
Auto-Owners Insurance Co	$417	$69
Grange	$542	$92
USAA	$1099	$185
Auto-Owners	$1314	$221
AAA	$1751	$295
Farm Bureau	$2523	$429
Progressive	$2704	$455
Allstate	$4559	$776
State Farm	$4678	$779
Farmers	$19571	$3327
Bristol West	$6782	$1130

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 Bingham Farms.

As young drivers face the highest rates in Bingham Farms, Chubb offers the cheapest auto insurance rates at $326 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 Bingham Farms, Travelers is the cheapest car insurance provider. At $466 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 Bingham Farms is Farm Bureau Ins of MI, offering rates of around $1473 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$466	$80
Encompass	$480	$80
Progressive	$674	$115
Westfield	$709	$118
Auto-Owners Insurance Co	$751	$128
Pioneer State Mutual Ins Co	$917	$153
Grange	$1161	$198
Farm Bureau Ins of MI	$1473	$246

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Bingham Farms

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

Cheapest Car Insurance Companies after an At-Fault Accident in Bingham Farms

The cheapest car insurance companies after an at-fault accident in Bingham Farms include Chubb and Westfield, offering $355 and $376, respectively. Pioneer State is an expensive provider with an average six-month premium of $556.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$355	$61
Westfield	$376	$62
Auto-Owners Insurance Co	$438	$75
Encompass	$494	$82
Farm Bureau Ins of MI	$584	$99
Pioneer State Mutual Ins Co	$646	$108
Travelers	$688	$116
USAA	$862	$145
Progressive	$952	$160
Auto-Owners	$1064	$179
AAA	$1362	$229
Farm Bureau	$1898	$316
State Farm	$2161	$367
Allstate	$3357	$559
Farmers	$5997	$1020
Pioneer State	$556	$92

Bingham Farms Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bingham Farms MI. For example, the car insurance in Bingham Farms after a DUI increases to $2808 for a six month policy. While the rate increases by $1529 for a six-month policy in the case of a speeding ticket.

Bingham Farms auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1529	$255
Failure to wear a seat belt	$1814	$309
Cell phone violation	$1925	$321
Texting while driving	$1925	$328
Illegal turn	$1932	$322
Wrong way/wrong lane	$1932	$329
Speeding in school zone	$1960	$326
Driving with expired registration	$1974	$336
Failure to stop at a red light	$1995	$332
Improper passing	$1995	$339
Speeding 16 - 20 MPH over limit	$2217	$370
Open container	$2613	$445
Driving with a suspended license	$2926	$488
Racing	$3773	$641
Reckless driving	$4101	$683
Leaving scene of an accident/hit and run	$4205	$715
DUI	$4337	$723

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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 Bingham Farms 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 Bingham Farms.

The cheapest car insurance premiums in Bingham Farms are offered by Chubb at $355 for a six-month policy. However, it can be as expensive as $10952 with companies like Allstate.

Bingham Farms car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$355	$59
Auto-Owners Insurance Co	$938	$159
Grange	$945	$158
Progressive	$1007	$170
Pioneer State Mutual Ins Co	$1140	$190
USAA	$1230	$207
Travelers	$1397	$233
Auto-Owners	$2113	$356
Westfield	$2300	$387
AAA	$2376	$400
Bristol West	$3253	$542
Farmers	$3336	$562
Farm Bureau	$3948	$658
State Farm	$4969	$837
Allstate	$10952	$1825

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 Bingham Farms are offered by Westfield at $305. However, it can be as expensive as $13824 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Bingham Farms after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$305	$51
Chubb	$355	$59
Encompass	$376	$64
Travelers	$459	$76
Auto-Owners Insurance Co	$487	$83
Farm Bureau Ins of MI	$695	$116
USAA	$723	$123
Grange	$737	$123
Auto-Owners	$1014	$172
Progressive	$1487	$250
AAA	$1508	$256
Farm Bureau	$1515	$253
Allstate	$2745	$467
State Farm	$4607	$768
Farmers	$13824	$2351

Car Insurance Price Trends in Bingham Farms, Michigan

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

The average cost of full coverage in the Bingham Farms dipped by $314 in December compared to $322 of November. In other words, there has been an decrease by $8 when you compare December and November.

The average cost of liability insurance in the Bingham Farms rose to $104 in December, compared to $96 in November. This represents an increase of $8 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Bingham Farms?

The car insurance in Bingham Farms is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Bingham Farms?

The cheapest car insurance in Bingham Farms is $97 per month for full coverage.

How much is car insurance in Bingham Farms for teenagers?

Car insurance for teenagers costs $285 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 Bingham Farms?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $236 per month to insure your car in Bingham Farms.

Is car insurance expensive in Bingham Farms?

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

Cheapest Car Insurance Quotes in Bingham Farms

Why you can trust Way?

How Much Is Car Insurance in Bingham Farms

Avg. Car Insurance in Bingham Farms

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Bingham Farms

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Bingham Farms Car Insurance Rates by Company

Cheap Car Insurance Companies in Bingham Farms, MI

Way's key takeaways about car insurance in Bingham Farms

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bingham Farms

Cheapest Liability Coverage in Bingham Farms, MI

Cheapest Full Coverage Car Insurance in Bingham Farms

Cheapest Full Coverage Car Insurance Quotes in Bingham Farms, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bingham Farms by Rating Factor

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

Car Insurance Premiums by Age in Bingham Farms

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bingham Farms,MI

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

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 Bingham Farms

Cheapest Car Insurance Companies after an At-Fault Accident in Bingham Farms

Bingham Farms Car Insurance Rates by Violation

Bingham Farms auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bingham Farms after a DUI

Bingham Farms car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bingham Farms after Speeding ticket

Car Insurance Price Trends in Bingham Farms, Michigan

Average Car Insurance Cost in Bingham Farms by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bingham Farms, MI

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

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