Cheapest Car Insurance Quotes in Bloomfield Hills

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Bloomfield Hills Car Insurance

^$ 43

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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 Bloomfield Hills

The car insurance rate in Bloomfield Hills is $1629 for a six-month policy, which is $305 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $606, making it a popular choice for budget-conscious drivers. Rates in Bloomfield 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 Bloomfield Hills

$1629

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Bloomfield Hills

1st place: Travelers

At $606 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $775 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $840 for six months, making it the third cheapest auto insurance company in Bloomfield Hills.

Bloomfield Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bloomfield Hills, MI is Travelers, offering policies at just $606 for a six-month term. This is followed by USAA, which has an average six-month premium of $775.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1001 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bloomfield Hills drivers find the best deals.

Cheap Car Insurance Companies in Bloomfield Hills, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$606	$102
USAA	$775	$130
Encompass	$840	$143
Auto-Owners Insurance Co	$862	$144
Chubb	$907	$154
Farm Bureau Ins of MI	$1066	$178
Auto-Owners	$1118	$188
AAA	$1125	$189
Pioneer State Mutual Ins Co	$1161	$198
Progressive	$1191	$200
Westfield	$1446	$244
Farm Bureau	$2068	$344
Pioneer State Mutual	$2251	$383
State Farm	$2403	$405
Frankenmuth	$2557	$435
Bristol West	$2886	$481
Allstate	$2214	$376
Farmers	$4486	$763
Hastings Mutual	$1001	$167

Key Takeaways

Way's key takeaways about car insurance in Bloomfield Hills

The auto insurance costs in Bloomfield Hills fall around $606 for six months.
The cheapest auto insurance company in Bloomfield Hills is Travelers.
Teen drivers pay the highest rate in Bloomfield Hills at $1188 per month.

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Cheapest Minimum Liability Car Insurance in Bloomfield 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 Bloomfield Hills are given below.

Travelers provides the cheapest minimum car insurance coverage in Bloomfield Hills. Their Average 6 Month Premium is $256. Farmers is the most expensive at $2331 for the same period.

Cheapest Liability Coverage in Bloomfield Hills, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$256	$43
Westfield	$271	$46
USAA	$321	$54
Encompass	$351	$59
Chubb	$373	$64
Auto-Owners Insurance Co	$402	$66
Auto-Owners	$445	$75
Progressive	$504	$85
AAA	$512	$87
Farm Bureau Ins of MI	$519	$86
Farm Bureau	$651	$111
Pioneer State Mutual	$658	$109
Frankenmuth	$775	$132
State Farm	$1198	$202
Bristol West	$1205	$205
Allstate	$942	$160
Farmers	$2331	$389

Cheapest Full Coverage Car Insurance in Bloomfield 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 Bloomfield Hills is Travelers at $102 per month and $606 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bloomfield Hills, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$606	$102
USAA	$775	$130
Encompass	$840	$143
Auto-Owners Insurance Co	$862	$144
Chubb	$907	$154
Farm Bureau Ins of MI	$1066	$178
Auto-Owners	$1118	$188
AAA	$1125	$189
Pioneer State Mutual Ins Co	$1161	$198
Progressive	$1191	$200
Westfield	$1446	$244
Farm Bureau	$2068	$344
Pioneer State Mutual	$2251	$383
State Farm	$2403	$405
Frankenmuth	$2557	$435
Bristol West	$2886	$481
Allstate	$2214	$376
Farmers	$4486	$763
Hastings Mutual	$1001	$167

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Average Car Insurance in Bloomfield 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 Bloomfield Hills, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Bloomfield 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, Bloomfield 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 Bloomfield 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 Bloomfield Hills,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Bloomfield Hills at $50 per month. At $7130 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$300	$50
Westfield	$321	$54
Encompass	$351	$59
Chubb	$417	$71
Auto-Owners Insurance Co	$438	$73
Grange	$569	$97
USAA	$1235	$208
Auto-Owners	$1549	$261
AAA	$2010	$338
Progressive	$2835	$477
Farm Bureau	$3375	$562
Pioneer State Mutual	$3959	$673
Frankenmuth	$4720	$787
State Farm	$6635	$1128
Allstate	$4793	$815
Farmers	$20574	$3498
Bristol West	$7130	$1188

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 Bloomfield Hills, Travelers is the cheapest car insurance provider. At $490 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 Bloomfield Hills is Farm Bureau Ins of MI, offering rates of around $1549 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$490	$81
Encompass	$504	$86
Progressive	$708	$118
Westfield	$745	$127
Auto-Owners Insurance Co	$790	$132
Pioneer State Mutual Ins Co	$964	$164
Grange	$1220	$203
Farm Bureau Ins of MI	$1549	$263

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Car Insurance Rates with An Accident in Bloomfield 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 Bloomfield Hills, MI, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Bloomfield Hills include Chubb and Westfield, offering $373 and $395, respectively. Pioneer State is an expensive provider with an average six-month premium of $584.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$373	$64
Westfield	$395	$65
Auto-Owners Insurance Co	$460	$79
Encompass	$519	$86
Farm Bureau Ins of MI	$614	$105
Pioneer State Mutual Ins Co	$679	$113
Travelers	$723	$122
USAA	$942	$159
Progressive	$1118	$188
Auto-Owners	$1300	$219
AAA	$1549	$261
Farm Bureau	$2528	$422
Pioneer State Mutual	$2696	$459
State Farm	$3047	$508
Frankenmuth	$3288	$560
Allstate	$3529	$588
Farmers	$6305	$1073
Pioneer State	$584	$97

Bloomfield Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bloomfield Hills MI. For example, the car insurance in Bloomfield Hills after a DUI increases to $2952 for a six month policy. While the rate increases by $1608 for a six-month policy in the case of a speeding ticket.

Bloomfield Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1608	$268
Failure to wear a seat belt	$1907	$325
Cell phone violation	$2023	$337
Texting while driving	$2023	$344
Illegal turn	$2031	$338
Wrong way/wrong lane	$2031	$346
Speeding in school zone	$2060	$343
Driving with expired registration	$2075	$353
Failure to stop at a red light	$2097	$349
Improper passing	$2097	$357
Speeding 16 - 20 MPH over limit	$2331	$389
Open container	$2747	$467
Driving with a suspended license	$3076	$513
Racing	$3967	$674
Reckless driving	$4311	$718
Leaving scene of an accident/hit and run	$4421	$752
DUI	$4560	$760

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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 Bloomfield 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 Bloomfield Hills.

The cheapest car insurance premiums in Bloomfield Hills are offered by Chubb at $373 for a six-month policy. However, it can be as expensive as $11514 with companies like Allstate.

Bloomfield Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$373	$62
Auto-Owners Insurance Co	$986	$167
Grange	$994	$166
Farmers	$1009	$171
Progressive	$1111	$187
Pioneer State Mutual Ins Co	$1198	$204
USAA	$1330	$224
Travelers	$1469	$250
Auto-Owners	$2375	$400
Westfield	$2418	$407
AAA	$2667	$449
Bristol West	$3419	$582
Pioneer State Mutual	$4304	$717
Farm Bureau	$5063	$861
State Farm	$6262	$1054
Frankenmuth	$11332	$1927
Allstate	$11514	$1919

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 Bloomfield Hills are offered by Westfield at $321. However, it can be as expensive as $14532 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Bloomfield Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$321	$54
Chubb	$373	$62
Encompass	$395	$68
Travelers	$482	$80
Auto-Owners Insurance Co	$512	$87
Farm Bureau Ins of MI	$731	$122
Grange	$775	$132
Auto-Owners	$972	$162
USAA	$994	$169
AAA	$1257	$209
Farm Bureau	$1300	$221
Pioneer State Mutual	$1432	$239
Progressive	$1461	$246
Frankenmuth	$2338	$390
State Farm	$4252	$723
Allstate	$2886	$491
Farmers	$14532	$2471

Car Insurance Price Trends in Bloomfield Hills, Michigan

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

The average cost of full coverage in the Bloomfield Hills dipped by $258 in January compared to $330 of December. In other words, there has been an decrease by $72 when you compare January and December.

The average cost of liability insurance in the Bloomfield Hills dipped to $91 in January, compared to $109 in December. This represents an decrease of $18 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Bloomfield Hills?

The car insurance in Bloomfield Hills is $43 per month, which is lower than the national average.

What is the cheapest car insurance in Bloomfield Hills?

The cheapest car insurance in Bloomfield Hills is $102 per month for full coverage.

How much is car insurance in Bloomfield Hills for teenagers?

Car insurance for teenagers costs $300 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 Bloomfield Hills?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $274 per month to insure your car in Bloomfield Hills.

Is car insurance expensive in Bloomfield Hills?

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

Cheapest Car Insurance Quotes in Bloomfield Hills

Why you can trust Way?

How Much Is Car Insurance in Bloomfield Hills

Avg. Car Insurance in Bloomfield Hills

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Bloomfield Hills

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Bloomfield Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Bloomfield Hills, MI

Way's key takeaways about car insurance in Bloomfield Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bloomfield Hills

Cheapest Liability Coverage in Bloomfield Hills, MI

Cheapest Full Coverage Car Insurance in Bloomfield Hills

Cheapest Full Coverage Car Insurance Quotes in Bloomfield Hills, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bloomfield Hills by Rating Factor

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

Car Insurance Premiums by Age in Bloomfield Hills

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Bloomfield Hills Car Insurance Rates by Violation

Bloomfield Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bloomfield Hills after a DUI

Bloomfield Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bloomfield Hills after Speeding ticket

Car Insurance Price Trends in Bloomfield Hills, Michigan

Average Car Insurance Cost in Bloomfield Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bloomfield Hills, MI

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

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