Cheapest Car Insurance Quotes in Bridgman

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Bridgman Car Insurance

^$ 29

/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 Bridgman

The car insurance rate in Bridgman is $1099 for a six-month policy, which is $225 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $409, making it a popular choice for budget-conscious drivers. Rates in Bridgman 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 Bridgman

$1099

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Bridgman

1st place: Travelers

At $409 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $523 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $567 for six months, making it the third cheapest auto insurance company in Bridgman.

Bridgman Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bridgman, MI is Travelers, offering policies at just $409 for a six-month term. This is followed by USAA, which has an average six-month premium of $523.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $676 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bridgman drivers find the best deals.

Cheap Car Insurance Companies in Bridgman, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$409	$69
USAA	$523	$88
Encompass	$567	$96
Auto-Owners Insurance Co	$582	$97
Chubb	$612	$104
Farm Bureau Ins of MI	$720	$120
Auto-Owners	$754	$127
AAA	$759	$128
Pioneer State Mutual Ins Co	$784	$134
Progressive	$803	$135
Westfield	$976	$164
Farm Bureau	$1395	$232
Pioneer State Mutual	$1519	$258
State Farm	$1622	$273
Frankenmuth	$1726	$294
Bristol West	$1947	$325
Allstate	$1494	$254
Farmers	$3027	$515
Hastings Mutual	$676	$113

Key Takeaways

Way's key takeaways about car insurance in Bridgman

The auto insurance costs in Bridgman fall around $409 for six months.
The cheapest auto insurance company in Bridgman is Travelers.
Teen drivers pay the highest rate in Bridgman at $802 per month.

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Cheapest Minimum Liability Car Insurance in Bridgman

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 Bridgman are given below.

Travelers provides the cheapest minimum car insurance coverage in Bridgman. Their Average 6 Month Premium is $173. Farmers is the most expensive at $1573 for the same period.

Cheapest Liability Coverage in Bridgman, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$173	$29
Westfield	$183	$31
USAA	$217	$37
Encompass	$237	$40
Chubb	$251	$43
Auto-Owners Insurance Co	$271	$45
Auto-Owners	$300	$51
Progressive	$340	$57
AAA	$345	$59
Farm Bureau Ins of MI	$350	$58
Farm Bureau	$439	$75
Pioneer State Mutual	$444	$74
Frankenmuth	$523	$89
State Farm	$808	$136
Bristol West	$813	$139
Allstate	$636	$108
Farmers	$1573	$262

Cheapest Full Coverage Car Insurance in Bridgman

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 Bridgman is Travelers at $69 per month and $409 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bridgman, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$409	$69
USAA	$523	$88
Encompass	$567	$96
Auto-Owners Insurance Co	$582	$97
Chubb	$612	$104
Farm Bureau Ins of MI	$720	$120
Auto-Owners	$754	$127
AAA	$759	$128
Pioneer State Mutual Ins Co	$784	$134
Progressive	$803	$135
Westfield	$976	$164
Farm Bureau	$1395	$232
Pioneer State Mutual	$1519	$258
State Farm	$1622	$273
Frankenmuth	$1726	$294
Bristol West	$1947	$325
Allstate	$1494	$254
Farmers	$3027	$515
Hastings Mutual	$676	$113

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Average Car Insurance in Bridgman 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 Bridgman, MI increasing?

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

Car Insurance Premiums by Age in Bridgman

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 Bridgman,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Bridgman at $34 per month. At $4812 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$203	$34
Westfield	$217	$37
Encompass	$237	$40
Chubb	$281	$48
Auto-Owners Insurance Co	$295	$49
Grange	$384	$66
USAA	$833	$140
Auto-Owners	$1045	$176
AAA	$1356	$228
Progressive	$1913	$322
Farm Bureau	$2278	$379
Pioneer State Mutual	$2672	$454
Frankenmuth	$3185	$531
State Farm	$4477	$761
Allstate	$3235	$550
Farmers	$13883	$2361
Bristol West	$4812	$802

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 Bridgman, Travelers is the cheapest car insurance provider. At $330 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 Bridgman is Farm Bureau Ins of MI, offering rates of around $1045 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$330	$55
Encompass	$340	$58
Progressive	$478	$80
Westfield	$503	$85
Auto-Owners Insurance Co	$533	$89
Pioneer State Mutual Ins Co	$651	$110
Grange	$823	$137
Farm Bureau Ins of MI	$1045	$178

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Car Insurance Rates with An Accident in Bridgman

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

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

The cheapest car insurance companies after an at-fault accident in Bridgman include Chubb and Westfield, offering $251 and $266, respectively. Pioneer State is an expensive provider with an average six-month premium of $394.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$251	$43
Westfield	$266	$44
Auto-Owners Insurance Co	$310	$53
Encompass	$350	$58
Farm Bureau Ins of MI	$414	$71
Pioneer State Mutual Ins Co	$458	$76
Travelers	$488	$82
USAA	$636	$107
Progressive	$754	$127
Auto-Owners	$877	$148
AAA	$1045	$176
Farm Bureau	$1706	$285
Pioneer State Mutual	$1819	$310
State Farm	$2056	$343
Frankenmuth	$2219	$378
Allstate	$2381	$397
Farmers	$4255	$724
Pioneer State	$394	$66

Bridgman Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bridgman MI. For example, the car insurance in Bridgman after a DUI increases to $1992 for a six month policy. While the rate increases by $1085 for a six-month policy in the case of a speeding ticket.

Bridgman auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1085	$181
Failure to wear a seat belt	$1287	$219
Cell phone violation	$1365	$227
Texting while driving	$1365	$232
Illegal turn	$1370	$228
Wrong way/wrong lane	$1370	$233
Speeding in school zone	$1390	$232
Driving with expired registration	$1400	$238
Failure to stop at a red light	$1415	$236
Improper passing	$1415	$241
Speeding 16 - 20 MPH over limit	$1573	$262
Open container	$1853	$315
Driving with a suspended license	$2076	$346
Racing	$2677	$455
Reckless driving	$2909	$485
Leaving scene of an accident/hit and run	$2983	$507
DUI	$3077	$513

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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 Bridgman 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 Bridgman.

The cheapest car insurance premiums in Bridgman are offered by Chubb at $251 for a six-month policy. However, it can be as expensive as $7770 with companies like Allstate.

Bridgman car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$251	$42
Auto-Owners Insurance Co	$666	$113
Grange	$671	$112
Farmers	$681	$115
Progressive	$749	$126
Pioneer State Mutual Ins Co	$808	$138
USAA	$897	$151
Travelers	$991	$168
Auto-Owners	$1603	$270
Westfield	$1632	$275
AAA	$1799	$303
Bristol West	$2307	$393
Pioneer State Mutual	$2904	$484
Farm Bureau	$3416	$581
State Farm	$4226	$711
Frankenmuth	$7647	$1301
Allstate	$7770	$1295

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 Bridgman are offered by Westfield at $217. However, it can be as expensive as $9806 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Bridgman after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$217	$37
Chubb	$251	$42
Encompass	$266	$46
Travelers	$325	$54
Auto-Owners Insurance Co	$345	$59
Farm Bureau Ins of MI	$493	$82
Grange	$523	$89
Auto-Owners	$656	$110
USAA	$671	$114
AAA	$848	$141
Farm Bureau	$877	$149
Pioneer State Mutual	$966	$161
Progressive	$986	$166
Frankenmuth	$1578	$263
State Farm	$2869	$488
Allstate	$1947	$331
Farmers	$9806	$1667

Car Insurance Price Trends in Bridgman, Michigan

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

The average cost of full coverage in the Bridgman dipped by $174 in January compared to $222 of December. In other words, there has been an decrease by $48 when you compare January and December.

The average cost of liability insurance in the Bridgman dipped to $61 in January, compared to $74 in December. This represents an decrease of $13 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Bridgman?

The car insurance in Bridgman is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Bridgman?

The cheapest car insurance in Bridgman is $69 per month for full coverage.

How much is car insurance in Bridgman for teenagers?

Car insurance for teenagers costs $203 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 Bridgman?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $185 per month to insure your car in Bridgman.

Is car insurance expensive in Bridgman?

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

Cheapest Car Insurance Quotes in Bridgman

Why you can trust Way?

How Much Is Car Insurance in Bridgman

Avg. Car Insurance in Bridgman

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Bridgman

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Bridgman Car Insurance Rates by Company

Cheap Car Insurance Companies in Bridgman, MI

Way's key takeaways about car insurance in Bridgman

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bridgman

Cheapest Liability Coverage in Bridgman, MI

Cheapest Full Coverage Car Insurance in Bridgman

Cheapest Full Coverage Car Insurance Quotes in Bridgman, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bridgman by Rating Factor

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

Car Insurance Premiums by Age in Bridgman

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bridgman,MI

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

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 Bridgman

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

Bridgman Car Insurance Rates by Violation

Bridgman auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bridgman after a DUI

Bridgman car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bridgman after Speeding ticket

Car Insurance Price Trends in Bridgman, Michigan

Average Car Insurance Cost in Bridgman by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bridgman, MI

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

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