Cheapest Car Insurance Quotes in Brown City

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Brown City Car Insurance

^$ 39

/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 Brown City

The car insurance rate in Brown City is $1347 for a six-month policy, which is $144 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $552, making it a popular choice for budget-conscious drivers. Rates in Brown City 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 Brown City

$1347

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Brown City

1st place: Travelers

At $552 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $692 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $765 for six months, making it the third cheapest auto insurance company in Brown City.

Brown City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Brown City, MI is Travelers, offering policies at just $552 for a six-month term. This is followed by USAA, which has an average six-month premium of $692.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $912 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Brown City drivers find the best deals.

Cheap Car Insurance Companies in Brown City, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$552	$93
USAA	$692	$116
Encompass	$765	$128
Auto-Owners Insurance Co	$785	$133
Chubb	$825	$138
Auto-Owners	$925	$156
AAA	$944	$159
Farm Bureau Ins of MI	$971	$165
Pioneer State Mutual Ins Co	$1057	$176
Progressive	$1057	$178
Westfield	$1317	$222
Farm Bureau	$1484	$252
State Farm	$1889	$318
Allstate	$2016	$343
Bristol West	$2628	$438
Farmers	$4085	$694
Hastings Mutual	$912	$152

Key Takeaways

Way's key takeaways about car insurance in Brown City

The auto insurance costs in Brown City fall around $552 for six months.
The cheapest auto insurance company in Brown City is Travelers.
Teen drivers pay the highest rate in Brown City at $1082 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Brown City

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 Brown City are given below.

Travelers provides the cheapest minimum car insurance coverage in Brown City. Their Average 6 Month Premium is $233. Hastings Mutual is the most expensive at $399 for the same period.

Cheapest Liability Coverage in Brown City, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$233	$39
Westfield	$246	$41
USAA	$312	$53
Encompass	$319	$54
Chubb	$339	$56
Auto-Owners Insurance Co	$366	$63
Auto-Owners	$432	$73
Farm Bureau Ins of MI	$473	$81
Progressive	$486	$82
AAA	$579	$99
Farm Bureau	$731	$122
Allstate	$858	$146
Bristol West	$1098	$183
State Farm	$1177	$198
Farmers	$2122	$354
Hastings Mutual	$399	$66

Cheapest Full Coverage Car Insurance in Brown City

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 Brown City is Travelers at $93 per month and $552 for six months.

Cheapest Full Coverage Car Insurance Quotes in Brown City, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$552	$93
USAA	$692	$116
Encompass	$765	$128
Auto-Owners Insurance Co	$785	$133
Chubb	$825	$138
Auto-Owners	$925	$156
AAA	$944	$159
Farm Bureau Ins of MI	$971	$165
Pioneer State Mutual Ins Co	$1057	$176
Progressive	$1057	$178
Westfield	$1317	$222
Farm Bureau	$1484	$252
State Farm	$1889	$318
Allstate	$2016	$343
Bristol West	$2628	$438
Farmers	$4085	$694
Hastings Mutual	$912	$152

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Average Car Insurance in Brown City 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 Brown City, MI increasing?

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

Car Insurance Premiums by Age in Brown City

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	$312
30s	USAA	$237
40s	USAA	$227
50s	USAA	$218
60s	Chubb	$199
70s	Chubb	$218

Cheapest Car Insurance Rates for Teen Drivers in Brown City,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Brown City at $46 per month. At $6493 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$273	$46
Westfield	$292	$49
Encompass	$319	$54
Chubb	$380	$65
Auto-Owners Insurance Co	$399	$66
Grange	$519	$88
USAA	$1052	$177
Auto-Owners	$1258	$212
AAA	$1677	$282
Farm Bureau	$2415	$411
Progressive	$2588	$436
Allstate	$4365	$743
State Farm	$4478	$746
Farmers	$18734	$3185
Bristol West	$6493	$1082

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 Brown City.

As young drivers face the highest rates in Brown City, Chubb offers the cheapest auto insurance rates at $312 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 Brown City, Travelers is the cheapest car insurance provider. At $446 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 Brown City is Farm Bureau Ins of MI, offering rates of around $1410 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$446	$76
Encompass	$459	$76
Progressive	$645	$110
Westfield	$679	$113
Auto-Owners Insurance Co	$719	$122
Pioneer State Mutual Ins Co	$878	$147
Grange	$1111	$189
Farm Bureau Ins of MI	$1410	$235

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Car Insurance Rates with An Accident in Brown City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Brown City

The cheapest car insurance companies after an at-fault accident in Brown City include Chubb and Westfield, offering $339 and $360, respectively. Pioneer State is an expensive provider with an average six-month premium of $532.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$339	$58
Westfield	$360	$59
Auto-Owners Insurance Co	$419	$72
Encompass	$473	$78
Farm Bureau Ins of MI	$559	$95
Pioneer State Mutual Ins Co	$618	$103
Travelers	$659	$111
USAA	$825	$139
Progressive	$912	$153
Auto-Owners	$1018	$171
AAA	$1304	$220
Farm Bureau	$1817	$302
State Farm	$2069	$352
Allstate	$3213	$535
Farmers	$5741	$977
Pioneer State	$532	$88

Brown City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Brown City MI. For example, the car insurance in Brown City after a DUI increases to $2688 for a six month policy. While the rate increases by $1464 for a six-month policy in the case of a speeding ticket.

Brown City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1464	$244
Failure to wear a seat belt	$1736	$296
Cell phone violation	$1842	$307
Texting while driving	$1842	$314
Illegal turn	$1849	$308
Wrong way/wrong lane	$1849	$315
Speeding in school zone	$1876	$312
Driving with expired registration	$1889	$321
Failure to stop at a red light	$1910	$318
Improper passing	$1910	$325
Speeding 16 - 20 MPH over limit	$2122	$354
Open container	$2501	$426
Driving with a suspended license	$2801	$467
Racing	$3612	$614
Reckless driving	$3926	$654
Leaving scene of an accident/hit and run	$4025	$684
DUI	$4152	$692

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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 Brown City 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 Brown City.

The cheapest car insurance premiums in Brown City are offered by Chubb at $339 for a six-month policy. However, it can be as expensive as $10484 with companies like Allstate.

Brown City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$339	$56
Auto-Owners Insurance Co	$898	$152
Grange	$905	$151
Progressive	$964	$162
Pioneer State Mutual Ins Co	$1091	$181
USAA	$1177	$198
Travelers	$1337	$223
Auto-Owners	$2023	$340
Westfield	$2202	$371
AAA	$2275	$383
Bristol West	$3114	$519
Farmers	$3193	$538
Farm Bureau	$3779	$629
State Farm	$4757	$801
Allstate	$10484	$1747

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 Brown City are offered by Westfield at $292. However, it can be as expensive as $13233 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Brown City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$292	$49
Chubb	$339	$56
Encompass	$360	$62
Travelers	$439	$73
Auto-Owners Insurance Co	$466	$80
Farm Bureau Ins of MI	$665	$111
USAA	$692	$118
Grange	$706	$118
Auto-Owners	$971	$165
Progressive	$1424	$240
AAA	$1444	$245
Farm Bureau	$1450	$242
Allstate	$2628	$447
State Farm	$4411	$735
Farmers	$13233	$2250

Car Insurance Price Trends in Brown City, Michigan

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

The average cost of full coverage in the Brown City dipped by $300 in December compared to $308 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 Brown City rose to $100 in December, compared to $92 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 Brown City?

The car insurance in Brown City is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Brown City?

The cheapest car insurance in Brown City is $93 per month for full coverage.

How much is car insurance in Brown City for teenagers?

Car insurance for teenagers costs $273 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 Brown City?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $226 per month to insure your car in Brown City.

Is car insurance expensive in Brown City?

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

Cheapest Car Insurance Quotes in Brown City

Why you can trust Way?

How Much Is Car Insurance in Brown City

Avg. Car Insurance in Brown City

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Brown City

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Brown City Car Insurance Rates by Company

Cheap Car Insurance Companies in Brown City, MI

Way's key takeaways about car insurance in Brown City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Brown City

Cheapest Liability Coverage in Brown City, MI

Cheapest Full Coverage Car Insurance in Brown City

Cheapest Full Coverage Car Insurance Quotes in Brown City, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Brown City by Rating Factor

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

Car Insurance Premiums by Age in Brown City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Brown City,MI

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

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 Brown City

Cheapest Car Insurance Companies after an At-Fault Accident in Brown City

Brown City Car Insurance Rates by Violation

Brown City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Brown City after a DUI

Brown City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Brown City after Speeding ticket

Car Insurance Price Trends in Brown City, Michigan

Average Car Insurance Cost in Brown City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Brown City, MI

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

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