Cheapest Car Insurance Quotes in Birch Run

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Birch Run Car Insurance

^$ 45

/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 Birch Run

The car insurance rate in Birch Run is $1540 for a six-month policy, which is $337 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $631, making it a popular choice for budget-conscious drivers. Rates in Birch Run 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 Birch Run

$1540

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Birch Run

1st place: Travelers

At $631 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $791 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $874 for six months, making it the third cheapest auto insurance company in Birch Run.

Birch Run Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Birch Run, MI is Travelers, offering policies at just $631 for a six-month term. This is followed by USAA, which has an average six-month premium of $791.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1042 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Birch Run drivers find the best deals.

Cheap Car Insurance Companies in Birch Run, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$631	$106
USAA	$791	$133
Encompass	$874	$146
Auto-Owners Insurance Co	$897	$152
Chubb	$943	$157
Auto-Owners	$1057	$178
AAA	$1079	$182
Farm Bureau Ins of MI	$1110	$188
Pioneer State Mutual Ins Co	$1208	$201
Progressive	$1208	$204
Westfield	$1505	$253
Farm Bureau	$1696	$288
State Farm	$2159	$364
Allstate	$2304	$392
Bristol West	$3003	$500
Farmers	$4668	$794
Hastings Mutual	$1042	$174

Key Takeaways

Way's key takeaways about car insurance in Birch Run

The auto insurance costs in Birch Run fall around $631 for six months.
The cheapest auto insurance company in Birch Run is Travelers.
Teen drivers pay the highest rate in Birch Run at $1236 per month.

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Cheapest Minimum Liability Car Insurance in Birch Run

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 Birch Run are given below.

Travelers provides the cheapest minimum car insurance coverage in Birch Run. Their Average 6 Month Premium is $266. Hastings Mutual is the most expensive at $456 for the same period.

Cheapest Liability Coverage in Birch Run, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$266	$45
Westfield	$282	$47
USAA	$357	$60
Encompass	$365	$61
Chubb	$388	$64
Auto-Owners Insurance Co	$419	$72
Auto-Owners	$494	$83
Farm Bureau Ins of MI	$540	$92
Progressive	$556	$93
AAA	$662	$113
Farm Bureau	$836	$140
Allstate	$980	$166
Bristol West	$1254	$209
State Farm	$1345	$227
Farmers	$2426	$404
Hastings Mutual	$456	$76

Cheapest Full Coverage Car Insurance in Birch Run

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 Birch Run is Travelers at $106 per month and $631 for six months.

Cheapest Full Coverage Car Insurance Quotes in Birch Run, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$631	$106
USAA	$791	$133
Encompass	$874	$146
Auto-Owners Insurance Co	$897	$152
Chubb	$943	$157
Auto-Owners	$1057	$178
AAA	$1079	$182
Farm Bureau Ins of MI	$1110	$188
Pioneer State Mutual Ins Co	$1208	$201
Progressive	$1208	$204
Westfield	$1505	$253
Farm Bureau	$1696	$288
State Farm	$2159	$364
Allstate	$2304	$392
Bristol West	$3003	$500
Farmers	$4668	$794
Hastings Mutual	$1042	$174

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Average Car Insurance in Birch Run 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 Birch Run, MI increasing?

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

Car Insurance Premiums by Age in Birch Run

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	$357
30s	USAA	$271
40s	USAA	$260
50s	USAA	$250
60s	Chubb	$228
70s	Chubb	$250

Cheapest Car Insurance Rates for Teen Drivers in Birch Run,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Birch Run at $52 per month. At $7420 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$312	$52
Westfield	$334	$56
Encompass	$365	$61
Chubb	$434	$74
Auto-Owners Insurance Co	$456	$76
Grange	$593	$101
USAA	$1202	$202
Auto-Owners	$1437	$242
AAA	$1916	$323
Farm Bureau	$2760	$470
Progressive	$2958	$498
Allstate	$4988	$849
State Farm	$5117	$852
Farmers	$21411	$3640
Bristol West	$7420	$1236

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 Birch Run.

As young drivers face the highest rates in Birch Run, Chubb offers the cheapest auto insurance rates at $357 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 Birch Run, Travelers is the cheapest car insurance provider. At $509 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 Birch Run is Farm Bureau Ins of MI, offering rates of around $1612 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$509	$87
Encompass	$525	$87
Progressive	$737	$125
Westfield	$776	$129
Auto-Owners Insurance Co	$822	$140
Pioneer State Mutual Ins Co	$1004	$168
Grange	$1270	$216
Farm Bureau Ins of MI	$1612	$269

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Birch Run

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

Cheapest Car Insurance Companies after an At-Fault Accident in Birch Run

The cheapest car insurance companies after an at-fault accident in Birch Run include Chubb and Westfield, offering $388 and $411, respectively. Pioneer State is an expensive provider with an average six-month premium of $608.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$388	$67
Westfield	$411	$68
Auto-Owners Insurance Co	$479	$82
Encompass	$540	$90
Farm Bureau Ins of MI	$639	$109
Pioneer State Mutual Ins Co	$707	$118
Travelers	$753	$127
USAA	$943	$159
Progressive	$1042	$175
Auto-Owners	$1164	$196
AAA	$1490	$251
Farm Bureau	$2076	$346
State Farm	$2364	$402
Allstate	$3672	$612
Farmers	$6561	$1116
Pioneer State	$608	$101

Birch Run Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Birch Run MI. For example, the car insurance in Birch Run after a DUI increases to $3072 for a six month policy. While the rate increases by $1673 for a six-month policy in the case of a speeding ticket.

Birch Run auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1673	$279
Failure to wear a seat belt	$1984	$338
Cell phone violation	$2106	$351
Texting while driving	$2106	$358
Illegal turn	$2113	$352
Wrong way/wrong lane	$2113	$360
Speeding in school zone	$2144	$357
Driving with expired registration	$2159	$367
Failure to stop at a red light	$2182	$364
Improper passing	$2182	$371
Speeding 16 - 20 MPH over limit	$2426	$404
Open container	$2858	$486
Driving with a suspended license	$3201	$534
Racing	$4128	$701
Reckless driving	$4486	$748
Leaving scene of an accident/hit and run	$4600	$782
DUI	$4745	$791

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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 Birch Run 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 Birch Run.

The cheapest car insurance premiums in Birch Run are offered by Chubb at $388 for a six-month policy. However, it can be as expensive as $11982 with companies like Allstate.

Birch Run car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$388	$64
Auto-Owners Insurance Co	$1027	$174
Grange	$1034	$173
Progressive	$1102	$186
Pioneer State Mutual Ins Co	$1247	$207
USAA	$1345	$227
Travelers	$1528	$255
Auto-Owners	$2312	$389
Westfield	$2516	$424
AAA	$2600	$438
Bristol West	$3558	$593
Farmers	$3649	$614
Farm Bureau	$4319	$719
State Farm	$5436	$915
Allstate	$11982	$1997

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 Birch Run are offered by Westfield at $334. However, it can be as expensive as $15123 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Birch Run after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$334	$56
Chubb	$388	$64
Encompass	$411	$70
Travelers	$502	$83
Auto-Owners Insurance Co	$532	$91
Farm Bureau Ins of MI	$760	$127
USAA	$791	$134
Grange	$806	$134
Auto-Owners	$1110	$188
Progressive	$1627	$274
AAA	$1650	$280
Farm Bureau	$1658	$276
Allstate	$3003	$511
State Farm	$5041	$840
Farmers	$15123	$2572

Car Insurance Price Trends in Birch Run, Michigan

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

The average cost of full coverage in the Birch Run dipped by $343 in December compared to $352 of November. In other words, there has been an decrease by $9 when you compare December and November.

The average cost of liability insurance in the Birch Run rose to $114 in December, compared to $105 in November. This represents an increase of $9 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Birch Run?

The car insurance in Birch Run is $45 per month, which is lower than the national average.

What is the cheapest car insurance in Birch Run?

The cheapest car insurance in Birch Run is $106 per month for full coverage.

How much is car insurance in Birch Run for teenagers?

Car insurance for teenagers costs $312 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 Birch Run?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $259 per month to insure your car in Birch Run.

Is car insurance expensive in Birch Run?

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

Cheapest Car Insurance Quotes in Birch Run

Why you can trust Way?

How Much Is Car Insurance in Birch Run

Avg. Car Insurance in Birch Run

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Birch Run

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Birch Run Car Insurance Rates by Company

Cheap Car Insurance Companies in Birch Run, MI

Way's key takeaways about car insurance in Birch Run

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Birch Run

Cheapest Liability Coverage in Birch Run, MI

Cheapest Full Coverage Car Insurance in Birch Run

Cheapest Full Coverage Car Insurance Quotes in Birch Run, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Birch Run by Rating Factor

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

Car Insurance Premiums by Age in Birch Run

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Birch Run,MI

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

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 Birch Run

Cheapest Car Insurance Companies after an At-Fault Accident in Birch Run

Birch Run Car Insurance Rates by Violation

Birch Run auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Birch Run after a DUI

Birch Run car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Birch Run after Speeding ticket

Car Insurance Price Trends in Birch Run, Michigan

Average Car Insurance Cost in Birch Run by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Birch Run, MI

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

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Data Sources