Cheapest Car Insurance Quotes in Buena Vista

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Buena Vista Car Insurance

^$ 40

/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 Buena Vista

The car insurance rate in Buena Vista is $1359 for a six-month policy, which is $156 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $557, making it a popular choice for budget-conscious drivers. Rates in Buena Vista 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 Buena Vista

$1359

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Buena Vista

1st place: Travelers

At $557 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $698 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $772 for six months, making it the third cheapest auto insurance company in Buena Vista.

Buena Vista Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Buena Vista, MI is Travelers, offering policies at just $557 for a six-month term. This is followed by USAA, which has an average six-month premium of $698.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $920 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Buena Vista drivers find the best deals.

Cheap Car Insurance Companies in Buena Vista, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$557	$94
USAA	$698	$118
Encompass	$772	$129
Auto-Owners Insurance Co	$792	$134
Chubb	$833	$139
Auto-Owners	$933	$157
AAA	$953	$160
Farm Bureau Ins of MI	$980	$166
Pioneer State Mutual Ins Co	$1067	$177
Progressive	$1067	$180
Westfield	$1329	$224
Farm Bureau	$1497	$254
State Farm	$1906	$321
Allstate	$2034	$346
Bristol West	$2651	$442
Farmers	$4121	$701
Hastings Mutual	$920	$154

Key Takeaways

Way's key takeaways about car insurance in Buena Vista

The auto insurance costs in Buena Vista fall around $557 for six months.
The cheapest auto insurance company in Buena Vista is Travelers.
Teen drivers pay the highest rate in Buena Vista at $1092 per month.

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Cheapest Minimum Liability Car Insurance in Buena Vista

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 Buena Vista are given below.

Travelers provides the cheapest minimum car insurance coverage in Buena Vista. Their Average 6 Month Premium is $235. Hastings Mutual is the most expensive at $402 for the same period.

Cheapest Liability Coverage in Buena Vista, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$235	$40
Westfield	$249	$42
USAA	$315	$53
Encompass	$322	$54
Chubb	$342	$56
Auto-Owners Insurance Co	$370	$63
Auto-Owners	$436	$73
Farm Bureau Ins of MI	$477	$81
Progressive	$490	$82
AAA	$584	$99
Farm Bureau	$738	$123
Allstate	$866	$147
Bristol West	$1107	$184
State Farm	$1188	$200
Farmers	$2141	$357
Hastings Mutual	$402	$67

Cheapest Full Coverage Car Insurance in Buena Vista

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 Buena Vista is Travelers at $94 per month and $557 for six months.

Cheapest Full Coverage Car Insurance Quotes in Buena Vista, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$557	$94
USAA	$698	$118
Encompass	$772	$129
Auto-Owners Insurance Co	$792	$134
Chubb	$833	$139
Auto-Owners	$933	$157
AAA	$953	$160
Farm Bureau Ins of MI	$980	$166
Pioneer State Mutual Ins Co	$1067	$177
Progressive	$1067	$180
Westfield	$1329	$224
Farm Bureau	$1497	$254
State Farm	$1906	$321
Allstate	$2034	$346
Bristol West	$2651	$442
Farmers	$4121	$701
Hastings Mutual	$920	$154

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Average Car Insurance in Buena Vista 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 Buena Vista, MI increasing?

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

Car Insurance Premiums by Age in Buena Vista

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	$315
30s	USAA	$240
40s	USAA	$229
50s	USAA	$220
60s	Chubb	$201
70s	Chubb	$220

Cheapest Car Insurance Rates for Teen Drivers in Buena Vista,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Buena Vista at $46 per month. At $6551 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$276	$46
Westfield	$295	$50
Encompass	$322	$54
Chubb	$383	$66
Auto-Owners Insurance Co	$402	$67
Grange	$523	$89
USAA	$1061	$179
Auto-Owners	$1269	$214
AAA	$1692	$285
Farm Bureau	$2436	$415
Progressive	$2611	$440
Allstate	$4404	$749
State Farm	$4518	$753
Farmers	$18902	$3214
Bristol West	$6551	$1092

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 Buena Vista.

As young drivers face the highest rates in Buena Vista, Chubb offers the cheapest auto insurance rates at $315 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 Buena Vista, Travelers is the cheapest car insurance provider. At $450 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 Buena Vista is Farm Bureau Ins of MI, offering rates of around $1423 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$450	$77
Encompass	$463	$77
Progressive	$651	$111
Westfield	$685	$114
Auto-Owners Insurance Co	$725	$123
Pioneer State Mutual Ins Co	$886	$148
Grange	$1121	$191
Farm Bureau Ins of MI	$1423	$237

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Save up to $971/yr on car insurance rates in Buena Vista.

Car Insurance Rates with An Accident in Buena Vista

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

Cheapest Car Insurance Companies after an At-Fault Accident in Buena Vista

The cheapest car insurance companies after an at-fault accident in Buena Vista include Chubb and Westfield, offering $342 and $363, respectively. Pioneer State is an expensive provider with an average six-month premium of $537.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$342	$59
Westfield	$363	$60
Auto-Owners Insurance Co	$423	$72
Encompass	$477	$79
Farm Bureau Ins of MI	$564	$96
Pioneer State Mutual Ins Co	$624	$104
Travelers	$664	$112
USAA	$833	$140
Progressive	$920	$155
Auto-Owners	$1027	$173
AAA	$1315	$221
Farm Bureau	$1833	$305
State Farm	$2087	$355
Allstate	$3242	$540
Farmers	$5792	$985
Pioneer State	$537	$89

Buena Vista Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Buena Vista MI. For example, the car insurance in Buena Vista after a DUI increases to $2712 for a six month policy. While the rate increases by $1477 for a six-month policy in the case of a speeding ticket.

Buena Vista auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1477	$246
Failure to wear a seat belt	$1751	$298
Cell phone violation	$1859	$310
Texting while driving	$1859	$316
Illegal turn	$1866	$311
Wrong way/wrong lane	$1866	$318
Speeding in school zone	$1893	$315
Driving with expired registration	$1906	$324
Failure to stop at a red light	$1927	$321
Improper passing	$1927	$328
Speeding 16 - 20 MPH over limit	$2141	$357
Open container	$2523	$429
Driving with a suspended license	$2826	$471
Racing	$3644	$619
Reckless driving	$3961	$660
Leaving scene of an accident/hit and run	$4061	$690
DUI	$4189	$698

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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 Buena Vista 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 Buena Vista.

The cheapest car insurance premiums in Buena Vista are offered by Chubb at $342 for a six-month policy. However, it can be as expensive as $10578 with companies like Allstate.

Buena Vista car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$342	$56
Auto-Owners Insurance Co	$906	$154
Grange	$913	$153
Progressive	$973	$164
Pioneer State Mutual Ins Co	$1101	$183
USAA	$1188	$200
Travelers	$1349	$225
Auto-Owners	$2041	$344
Westfield	$2222	$374
AAA	$2295	$386
Bristol West	$3141	$523
Farmers	$3222	$542
Farm Bureau	$3813	$635
State Farm	$4799	$808
Allstate	$10578	$1763

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 Buena Vista are offered by Westfield at $295. However, it can be as expensive as $13351 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Buena Vista after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$295	$50
Chubb	$342	$56
Encompass	$363	$62
Travelers	$443	$73
Auto-Owners Insurance Co	$470	$80
Farm Bureau Ins of MI	$671	$112
USAA	$698	$119
Grange	$712	$119
Auto-Owners	$980	$166
Progressive	$1436	$242
AAA	$1457	$247
Farm Bureau	$1463	$244
Allstate	$2651	$451
State Farm	$4450	$741
Farmers	$13351	$2270

Car Insurance Price Trends in Buena Vista, Michigan

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

The average cost of full coverage in the Buena Vista dipped by $303 in December compared to $311 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 Buena Vista rose to $101 in December, compared to $93 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 Buena Vista?

The car insurance in Buena Vista is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Buena Vista?

The cheapest car insurance in Buena Vista is $94 per month for full coverage.

How much is car insurance in Buena Vista for teenagers?

Car insurance for teenagers costs $276 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 Buena Vista?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $228 per month to insure your car in Buena Vista.

Is car insurance expensive in Buena Vista?

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

Cheapest Car Insurance Quotes in Buena Vista

Why you can trust Way?

How Much Is Car Insurance in Buena Vista

Avg. Car Insurance in Buena Vista

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Buena Vista

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Buena Vista Car Insurance Rates by Company

Cheap Car Insurance Companies in Buena Vista, MI

Way's key takeaways about car insurance in Buena Vista

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Buena Vista

Cheapest Liability Coverage in Buena Vista, MI

Cheapest Full Coverage Car Insurance in Buena Vista

Cheapest Full Coverage Car Insurance Quotes in Buena Vista, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Buena Vista by Rating Factor

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

Car Insurance Premiums by Age in Buena Vista

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Buena Vista,MI

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

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 Buena Vista

Cheapest Car Insurance Companies after an At-Fault Accident in Buena Vista

Buena Vista Car Insurance Rates by Violation

Buena Vista auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Buena Vista after a DUI

Buena Vista car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Buena Vista after Speeding ticket

Car Insurance Price Trends in Buena Vista, Michigan

Average Car Insurance Cost in Buena Vista by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Buena Vista, MI

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

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