Cheapest Car Insurance Quotes in Bloomfield Hills

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Bloomfield Hills 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 Bloomfield Hills

The car insurance rate in Bloomfield Hills is $1420 for a six-month policy, which is $217 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $582, 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

$1420

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Bloomfield Hills

1st place: Travelers

At $582 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $729 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $806 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 $582 for a six-month term. This is followed by USAA, which has an average six-month premium of $729.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $961 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	$582	$98
USAA	$729	$123
Encompass	$806	$135
Auto-Owners Insurance Co	$827	$140
Chubb	$870	$145
Auto-Owners	$975	$164
AAA	$995	$168
Farm Bureau Ins of MI	$1023	$173
Pioneer State Mutual Ins Co	$1114	$185
Progressive	$1114	$188
Westfield	$1388	$234
Farm Bureau	$1564	$266
State Farm	$1991	$335
Allstate	$2124	$361
Bristol West	$2768	$461
Farmers	$4303	$732
Hastings Mutual	$961	$160

Key Takeaways

Way's key takeaways about car insurance in Bloomfield Hills

The auto insurance costs in Bloomfield Hills fall around $582 for six months.
The cheapest auto insurance company in Bloomfield Hills is Travelers.
Teen drivers pay the highest rate in Bloomfield Hills at $1140 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 $245. Hastings Mutual is the most expensive at $420 for the same period.

Cheapest Liability Coverage in Bloomfield Hills, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$245	$41
Westfield	$260	$44
USAA	$329	$55
Encompass	$336	$57
Chubb	$358	$59
Auto-Owners Insurance Co	$386	$66
Auto-Owners	$455	$77
Farm Bureau Ins of MI	$498	$85
Progressive	$512	$86
AAA	$610	$104
Farm Bureau	$771	$129
Allstate	$904	$153
Bristol West	$1156	$192
State Farm	$1240	$209
Farmers	$2236	$373
Hastings Mutual	$420	$70

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 $98 per month and $582 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bloomfield Hills, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$582	$98
USAA	$729	$123
Encompass	$806	$135
Auto-Owners Insurance Co	$827	$140
Chubb	$870	$145
Auto-Owners	$975	$164
AAA	$995	$168
Farm Bureau Ins of MI	$1023	$173
Pioneer State Mutual Ins Co	$1114	$185
Progressive	$1114	$188
Westfield	$1388	$234
Farm Bureau	$1564	$266
State Farm	$1991	$335
Allstate	$2124	$361
Bristol West	$2768	$461
Farmers	$4303	$732
Hastings Mutual	$961	$160

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Chubb	$329
30s	USAA	$250
40s	USAA	$240
50s	USAA	$230
60s	Chubb	$210
70s	Chubb	$230

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 $48 per month. At $6840 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$288	$48
Westfield	$308	$52
Encompass	$336	$57
Chubb	$400	$68
Auto-Owners Insurance Co	$420	$70
Grange	$546	$93
USAA	$1108	$186
Auto-Owners	$1325	$223
AAA	$1766	$297
Farm Bureau	$2544	$433
Progressive	$2727	$459
Allstate	$4598	$782
State Farm	$4718	$786
Farmers	$19738	$3356
Bristol West	$6840	$1140

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 Bloomfield Hills.

As young drivers face the highest rates in Bloomfield Hills, Chubb offers the cheapest auto insurance rates at $329 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 Bloomfield Hills, Travelers is the cheapest car insurance provider. At $470 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 $1486 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$470	$80
Encompass	$484	$80
Progressive	$680	$116
Westfield	$715	$119
Auto-Owners Insurance Co	$758	$129
Pioneer State Mutual Ins Co	$925	$155
Grange	$1171	$199
Farm Bureau Ins of MI	$1486	$248

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

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 $358 and $379, respectively. Pioneer State is an expensive provider with an average six-month premium of $561.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$358	$61
Westfield	$379	$63
Auto-Owners Insurance Co	$441	$76
Encompass	$498	$83
Farm Bureau Ins of MI	$589	$100
Pioneer State Mutual Ins Co	$651	$109
Travelers	$694	$117
USAA	$870	$146
Progressive	$961	$162
Auto-Owners	$1073	$181
AAA	$1374	$231
Farm Bureau	$1914	$319
State Farm	$2179	$371
Allstate	$3385	$564
Farmers	$6049	$1029
Pioneer State	$561	$93

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 $2832 for a six month policy. While the rate increases by $1542 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	$1542	$257
Failure to wear a seat belt	$1829	$312
Cell phone violation	$1941	$323
Texting while driving	$1941	$330
Illegal turn	$1948	$325
Wrong way/wrong lane	$1948	$332
Speeding in school zone	$1977	$329
Driving with expired registration	$1991	$339
Failure to stop at a red light	$2012	$335
Improper passing	$2012	$342
Speeding 16 - 20 MPH over limit	$2236	$373
Open container	$2635	$448
Driving with a suspended license	$2951	$492
Racing	$3806	$647
Reckless driving	$4136	$689
Leaving scene of an accident/hit and run	$4241	$721
DUI	$4374	$729

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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 $358 for a six-month policy. However, it can be as expensive as $11046 with companies like Allstate.

Bloomfield Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$358	$59
Auto-Owners Insurance Co	$946	$160
Grange	$953	$159
Progressive	$1016	$171
Pioneer State Mutual Ins Co	$1149	$191
USAA	$1240	$209
Travelers	$1409	$235
Auto-Owners	$2131	$359
Westfield	$2320	$391
AAA	$2397	$404
Bristol West	$3280	$546
Farmers	$3364	$566
Farm Bureau	$3981	$663
State Farm	$5011	$844
Allstate	$11046	$1841

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 $308. However, it can be as expensive as $13942 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	$308	$52
Chubb	$358	$59
Encompass	$379	$65
Travelers	$463	$77
Auto-Owners Insurance Co	$491	$84
Farm Bureau Ins of MI	$701	$117
USAA	$729	$124
Grange	$743	$124
Auto-Owners	$1023	$173
Progressive	$1500	$253
AAA	$1521	$258
Farm Bureau	$1528	$255
Allstate	$2768	$471
State Farm	$4647	$774
Farmers	$13942	$2371

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 $316 in December compared to $325 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 Bloomfield Hills rose to $105 in December, compared to $97 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 Bloomfield Hills?

The car insurance in Bloomfield Hills is $41 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 $98 per month for full coverage.

How much is car insurance in Bloomfield Hills for teenagers?

Car insurance for teenagers costs $288 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 $1203 for a six-month policy. It will cost around $238 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 Chubb 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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