Cheapest Car Insurance Quotes in Center Line

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Center Line Car Insurance

^$ 74

/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 Center Line

The car insurance rate in Center Line is $2538 for a six-month policy, which is $1335 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1040, making it a popular choice for budget-conscious drivers. Rates in Center Line 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 Center Line

$2538

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Center Line

1st place: Travelers

At $1040 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1304 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1441 for six months, making it the third cheapest auto insurance company in Center Line.

Center Line Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Center Line, MI is Travelers, offering policies at just $1040 for a six-month term. This is followed by USAA, which has an average six-month premium of $1304.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1718 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Center Line drivers find the best deals.

Cheap Car Insurance Companies in Center Line, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1040	$175
USAA	$1304	$219
Encompass	$1441	$241
Auto-Owners Insurance Co	$1479	$251
Chubb	$1555	$260
Auto-Owners	$1743	$293
AAA	$1779	$300
Farm Bureau Ins of MI	$1829	$310
Pioneer State Mutual Ins Co	$1992	$331
Progressive	$1992	$335
Westfield	$2481	$418
Farm Bureau	$2796	$475
State Farm	$3560	$599
Allstate	$3798	$646
Bristol West	$4950	$825
Farmers	$7695	$1308
Hastings Mutual	$1718	$287

Key Takeaways

Way's key takeaways about car insurance in Center Line

The auto insurance costs in Center Line fall around $1040 for six months.
The cheapest auto insurance company in Center Line is Travelers.
Teen drivers pay the highest rate in Center Line at $2038 per month.

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Cheapest Minimum Liability Car Insurance in Center Line

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 Center Line are given below.

Travelers provides the cheapest minimum car insurance coverage in Center Line. Their Average 6 Month Premium is $439. Hastings Mutual is the most expensive at $751 for the same period.

Cheapest Liability Coverage in Center Line, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$439	$74
Westfield	$464	$78
USAA	$589	$99
Encompass	$601	$101
Chubb	$639	$106
Auto-Owners Insurance Co	$690	$118
Auto-Owners	$814	$137
Farm Bureau Ins of MI	$890	$152
Progressive	$916	$154
AAA	$1091	$186
Farm Bureau	$1378	$230
Allstate	$1616	$274
Bristol West	$2068	$344
State Farm	$2218	$373
Farmers	$3998	$667
Hastings Mutual	$751	$124

Cheapest Full Coverage Car Insurance in Center Line

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 Center Line is Travelers at $175 per month and $1040 for six months.

Cheapest Full Coverage Car Insurance Quotes in Center Line, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1040	$175
USAA	$1304	$219
Encompass	$1441	$241
Auto-Owners Insurance Co	$1479	$251
Chubb	$1555	$260
Auto-Owners	$1743	$293
AAA	$1779	$300
Farm Bureau Ins of MI	$1829	$310
Pioneer State Mutual Ins Co	$1992	$331
Progressive	$1992	$335
Westfield	$2481	$418
Farm Bureau	$2796	$475
State Farm	$3560	$599
Allstate	$3798	$646
Bristol West	$4950	$825
Farmers	$7695	$1308
Hastings Mutual	$1718	$287

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Average Car Insurance in Center Line 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 Center Line, MI increasing?

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

Car Insurance Premiums by Age in Center Line

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	$589
30s	USAA	$447
40s	USAA	$428
50s	USAA	$411
60s	Chubb	$376
70s	Chubb	$411

Cheapest Car Insurance Rates for Teen Drivers in Center Line,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Center Line at $87 per month. At $12232 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$515	$87
Westfield	$551	$93
Encompass	$601	$101
Chubb	$715	$122
Auto-Owners Insurance Co	$751	$124
Grange	$977	$167
USAA	$1981	$333
Auto-Owners	$2370	$399
AAA	$3159	$532
Farm Bureau	$4549	$774
Progressive	$4876	$821
Allstate	$8223	$1399
State Farm	$8436	$1405
Farmers	$35294	$6001
Bristol West	$12232	$2038

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 Center Line.

As young drivers face the highest rates in Center Line, Chubb offers the cheapest auto insurance rates at $589 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 Center Line, Travelers is the cheapest car insurance provider. At $840 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 Center Line is Farm Bureau Ins of MI, offering rates of around $2656 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$840	$143
Encompass	$865	$143
Progressive	$1215	$207
Westfield	$1279	$213
Auto-Owners Insurance Co	$1355	$230
Pioneer State Mutual Ins Co	$1654	$276
Grange	$2093	$357
Farm Bureau Ins of MI	$2656	$443

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Save up to $971/yr on car insurance rates in Center Line.

Car Insurance Rates with An Accident in Center Line

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

Cheapest Car Insurance Companies after an At-Fault Accident in Center Line

The cheapest car insurance companies after an at-fault accident in Center Line include Chubb and Westfield, offering $639 and $677, respectively. Pioneer State is an expensive provider with an average six-month premium of $1002.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$639	$110
Westfield	$677	$112
Auto-Owners Insurance Co	$789	$135
Encompass	$890	$148
Farm Bureau Ins of MI	$1053	$179
Pioneer State Mutual Ins Co	$1165	$194
Travelers	$1241	$209
USAA	$1555	$262
Progressive	$1718	$289
Auto-Owners	$1918	$323
AAA	$2456	$414
Farm Bureau	$3422	$570
State Farm	$3897	$663
Allstate	$6054	$1009
Farmers	$10816	$1840
Pioneer State	$1002	$167

Center Line Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Center Line MI. For example, the car insurance in Center Line after a DUI increases to $5064 for a six month policy. While the rate increases by $2758 for a six-month policy in the case of a speeding ticket.

Center Line auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2758	$460
Failure to wear a seat belt	$3271	$557
Cell phone violation	$3471	$578
Texting while driving	$3471	$591
Illegal turn	$3484	$580
Wrong way/wrong lane	$3484	$593
Speeding in school zone	$3534	$589
Driving with expired registration	$3560	$606
Failure to stop at a red light	$3598	$599
Improper passing	$3598	$612
Speeding 16 - 20 MPH over limit	$3998	$667
Open container	$4712	$802
Driving with a suspended license	$5277	$880
Racing	$6805	$1156
Reckless driving	$7396	$1232
Leaving scene of an accident/hit and run	$7583	$1289
DUI	$7822	$1304

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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 Center Line 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 Center Line.

The cheapest car insurance premiums in Center Line are offered by Chubb at $639 for a six-month policy. However, it can be as expensive as $19752 with companies like Allstate.

Center Line car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$639	$106
Auto-Owners Insurance Co	$1692	$287
Grange	$1705	$285
Progressive	$1817	$306
Pioneer State Mutual Ins Co	$2055	$342
USAA	$2218	$373
Travelers	$2519	$420
Auto-Owners	$3811	$641
Westfield	$4148	$698
AAA	$4285	$722
Bristol West	$5866	$977
Farmers	$6016	$1013
Farm Bureau	$7119	$1186
State Farm	$8961	$1509
Allstate	$19752	$3292

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 Center Line are offered by Westfield at $551. However, it can be as expensive as $24930 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Center Line after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$551	$93
Chubb	$639	$106
Encompass	$677	$116
Travelers	$827	$137
Auto-Owners Insurance Co	$878	$150
Farm Bureau Ins of MI	$1253	$209
USAA	$1304	$222
Grange	$1329	$222
Auto-Owners	$1829	$310
Progressive	$2682	$452
AAA	$2720	$462
Farm Bureau	$2732	$456
Allstate	$4950	$842
State Farm	$8309	$1384
Farmers	$24930	$4239

Car Insurance Price Trends in Center Line, Michigan

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

The average cost of full coverage in the Center Line dipped by $565 in December compared to $580 of November. In other words, there has been an decrease by $15 when you compare December and November.

The average cost of liability insurance in the Center Line rose to $188 in December, compared to $173 in November. This represents an increase of $15 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Center Line?

The car insurance in Center Line is $74 per month, which is lower than the national average.

What is the cheapest car insurance in Center Line?

The cheapest car insurance in Center Line is $175 per month for full coverage.

How much is car insurance in Center Line for teenagers?

Car insurance for teenagers costs $515 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 Center Line?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $426 per month to insure your car in Center Line.

Is car insurance expensive in Center Line?

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

Cheapest Car Insurance Quotes in Center Line

Why you can trust Way?

How Much Is Car Insurance in Center Line

Avg. Car Insurance in Center Line

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Center Line

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Center Line Car Insurance Rates by Company

Cheap Car Insurance Companies in Center Line, MI

Way's key takeaways about car insurance in Center Line

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Center Line

Cheapest Liability Coverage in Center Line, MI

Cheapest Full Coverage Car Insurance in Center Line

Cheapest Full Coverage Car Insurance Quotes in Center Line, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Center Line by Rating Factor

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

Car Insurance Premiums by Age in Center Line

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Center Line,MI

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

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 Center Line

Cheapest Car Insurance Companies after an At-Fault Accident in Center Line

Center Line Car Insurance Rates by Violation

Center Line auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Center Line after a DUI

Center Line car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Center Line after Speeding ticket

Car Insurance Price Trends in Center Line, Michigan

Average Car Insurance Cost in Center Line by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Center Line, MI

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

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