Cheapest Car Insurance Quotes in Bridgeport

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Bridgeport Car Insurance

^$ 43

/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 Bridgeport

The car insurance rate in Bridgeport is $1480 for a six-month policy, which is $277 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 Bridgeport 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 Bridgeport

$1480

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Bridgeport

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 $760 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 Bridgeport.

Bridgeport Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bridgeport, 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 $760.

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 Bridgeport drivers find the best deals.

Cheap Car Insurance Companies in Bridgeport, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$606	$102
USAA	$760	$128
Encompass	$840	$140
Auto-Owners Insurance Co	$862	$146
Chubb	$907	$151
Auto-Owners	$1016	$171
AAA	$1037	$175
Farm Bureau Ins of MI	$1066	$181
Pioneer State Mutual Ins Co	$1161	$193
Progressive	$1161	$196
Westfield	$1446	$244
Farm Bureau	$1630	$277
State Farm	$2075	$349
Allstate	$2214	$376
Bristol West	$2886	$481
Farmers	$4486	$763
Hastings Mutual	$1001	$167

Key Takeaways

Way's key takeaways about car insurance in Bridgeport

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

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Cheapest Minimum Liability Car Insurance in Bridgeport

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 Bridgeport are given below.

Travelers provides the cheapest minimum car insurance coverage in Bridgeport. Their Average 6 Month Premium is $256. Hastings Mutual is the most expensive at $438 for the same period.

Cheapest Liability Coverage in Bridgeport, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$256	$43
Westfield	$271	$46
USAA	$343	$58
Encompass	$351	$59
Chubb	$373	$62
Auto-Owners Insurance Co	$402	$69
Auto-Owners	$475	$80
Farm Bureau Ins of MI	$519	$89
Progressive	$534	$90
AAA	$636	$108
Farm Bureau	$803	$134
Allstate	$942	$160
Bristol West	$1205	$200
State Farm	$1293	$218
Farmers	$2331	$389
Hastings Mutual	$438	$73

Cheapest Full Coverage Car Insurance in Bridgeport

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 Bridgeport is Travelers at $102 per month and $606 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bridgeport, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$606	$102
USAA	$760	$128
Encompass	$840	$140
Auto-Owners Insurance Co	$862	$146
Chubb	$907	$151
Auto-Owners	$1016	$171
AAA	$1037	$175
Farm Bureau Ins of MI	$1066	$181
Pioneer State Mutual Ins Co	$1161	$193
Progressive	$1161	$196
Westfield	$1446	$244
Farm Bureau	$1630	$277
State Farm	$2075	$349
Allstate	$2214	$376
Bristol West	$2886	$481
Farmers	$4486	$763
Hastings Mutual	$1001	$167

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Average Car Insurance in Bridgeport 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 Bridgeport, MI increasing?

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

Car Insurance Premiums by Age in Bridgeport

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	$343
30s	USAA	$261
40s	USAA	$250
50s	USAA	$240
60s	Chubb	$219
70s	Chubb	$240

Cheapest Car Insurance Rates for Teen Drivers in Bridgeport,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Bridgeport 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	$1155	$194
Auto-Owners	$1381	$232
AAA	$1841	$310
Farm Bureau	$2652	$451
Progressive	$2843	$478
Allstate	$4793	$815
State Farm	$4918	$819
Farmers	$20574	$3498
Bristol West	$7130	$1188

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 Bridgeport.

As young drivers face the highest rates in Bridgeport, Chubb offers the cheapest auto insurance rates at $343 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 Bridgeport, 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 Bridgeport is Farm Bureau Ins of MI, offering rates of around $1549 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$490	$84
Encompass	$504	$84
Progressive	$708	$121
Westfield	$745	$124
Auto-Owners Insurance Co	$790	$134
Pioneer State Mutual Ins Co	$964	$161
Grange	$1220	$208
Farm Bureau Ins of MI	$1549	$258

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Car Insurance Rates with An Accident in Bridgeport

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

Cheapest Car Insurance Companies after an At-Fault Accident in Bridgeport

The cheapest car insurance companies after an at-fault accident in Bridgeport 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	$907	$153
Progressive	$1001	$169
Auto-Owners	$1118	$188
AAA	$1432	$241
Farm Bureau	$1995	$332
State Farm	$2272	$386
Allstate	$3529	$588
Farmers	$6305	$1073
Pioneer State	$584	$97

Bridgeport Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bridgeport MI. For example, the car insurance in Bridgeport 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.

Bridgeport 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 Bridgeport 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 Bridgeport.

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

Bridgeport 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
Progressive	$1059	$178
Pioneer State Mutual Ins Co	$1198	$199
USAA	$1293	$218
Travelers	$1469	$245
Auto-Owners	$2221	$374
Westfield	$2418	$407
AAA	$2498	$421
Bristol West	$3419	$569
Farmers	$3507	$590
Farm Bureau	$4150	$691
State Farm	$5224	$879
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 Bridgeport 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 Bridgeport 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
USAA	$760	$129
Grange	$775	$129
Auto-Owners	$1066	$181
Progressive	$1563	$263
AAA	$1585	$269
Farm Bureau	$1593	$266
Allstate	$2886	$491
State Farm	$4844	$807
Farmers	$14532	$2471

Car Insurance Price Trends in Bridgeport, Michigan

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

The average cost of full coverage in the Bridgeport dipped by $330 in December compared to $338 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 Bridgeport rose to $109 in December, compared to $101 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 Bridgeport?

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

What is the cheapest car insurance in Bridgeport?

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

How much is car insurance in Bridgeport 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 Bridgeport?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $248 per month to insure your car in Bridgeport.

Is car insurance expensive in Bridgeport?

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

Cheapest Car Insurance Quotes in Bridgeport

Why you can trust Way?

How Much Is Car Insurance in Bridgeport

Avg. Car Insurance in Bridgeport

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Bridgeport

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Bridgeport Car Insurance Rates by Company

Cheap Car Insurance Companies in Bridgeport, MI

Way's key takeaways about car insurance in Bridgeport

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bridgeport

Cheapest Liability Coverage in Bridgeport, MI

Cheapest Full Coverage Car Insurance in Bridgeport

Cheapest Full Coverage Car Insurance Quotes in Bridgeport, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bridgeport by Rating Factor

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

Car Insurance Premiums by Age in Bridgeport

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bridgeport,MI

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

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 Bridgeport

Cheapest Car Insurance Companies after an At-Fault Accident in Bridgeport

Bridgeport Car Insurance Rates by Violation

Bridgeport auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bridgeport after a DUI

Bridgeport car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bridgeport after Speeding ticket

Car Insurance Price Trends in Bridgeport, Michigan

Average Car Insurance Cost in Bridgeport by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bridgeport, MI

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

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