Cheapest Car Insurance Quotes in Coloma

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Coloma Car Insurance

^$ 30

/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 Coloma

The car insurance rate in Coloma is $1139 for a six-month policy, which is $185 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $424, making it a popular choice for budget-conscious drivers. Rates in Coloma 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 Coloma

$1139

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Coloma

1st place: Travelers

At $424 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $542 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $587 for six months, making it the third cheapest auto insurance company in Coloma.

Coloma Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Coloma, MI is Travelers, offering policies at just $424 for a six-month term. This is followed by USAA, which has an average six-month premium of $542.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $700 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Coloma drivers find the best deals.

Cheap Car Insurance Companies in Coloma, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$424	$71
USAA	$542	$91
Encompass	$587	$100
Auto-Owners Insurance Co	$603	$101
Chubb	$634	$108
Farm Bureau Ins of MI	$746	$125
Auto-Owners	$782	$132
AAA	$787	$132
Pioneer State Mutual Ins Co	$812	$138
Progressive	$832	$140
Westfield	$1011	$170
Farm Bureau	$1446	$241
Pioneer State Mutual	$1574	$267
State Farm	$1680	$283
Frankenmuth	$1788	$304
Bristol West	$2018	$336
Allstate	$1548	$263
Farmers	$3136	$533
Hastings Mutual	$700	$117

Key Takeaways

Way's key takeaways about car insurance in Coloma

The auto insurance costs in Coloma fall around $424 for six months.
The cheapest auto insurance company in Coloma is Travelers.
Teen drivers pay the highest rate in Coloma at $831 per month.

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Cheapest Minimum Liability Car Insurance in Coloma

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 Coloma are given below.

Travelers provides the cheapest minimum car insurance coverage in Coloma. Their Average 6 Month Premium is $179. Farmers is the most expensive at $1630 for the same period.

Cheapest Liability Coverage in Coloma, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$179	$30
Westfield	$189	$32
USAA	$224	$38
Encompass	$245	$41
Chubb	$261	$45
Auto-Owners Insurance Co	$281	$46
Auto-Owners	$311	$52
Progressive	$353	$59
AAA	$358	$61
Farm Bureau Ins of MI	$363	$60
Farm Bureau	$455	$77
Pioneer State Mutual	$460	$77
Frankenmuth	$542	$92
State Farm	$838	$141
Bristol West	$843	$144
Allstate	$659	$112
Farmers	$1630	$272

Cheapest Full Coverage Car Insurance in Coloma

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 Coloma is Travelers at $71 per month and $424 for six months.

Cheapest Full Coverage Car Insurance Quotes in Coloma, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$424	$71
USAA	$542	$91
Encompass	$587	$100
Auto-Owners Insurance Co	$603	$101
Chubb	$634	$108
Farm Bureau Ins of MI	$746	$125
Auto-Owners	$782	$132
AAA	$787	$132
Pioneer State Mutual Ins Co	$812	$138
Progressive	$832	$140
Westfield	$1011	$170
Farm Bureau	$1446	$241
Pioneer State Mutual	$1574	$267
State Farm	$1680	$283
Frankenmuth	$1788	$304
Bristol West	$2018	$336
Allstate	$1548	$263
Farmers	$3136	$533
Hastings Mutual	$700	$117

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Average Car Insurance in Coloma 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 Coloma, MI increasing?

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

Car Insurance Premiums by Age in Coloma

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 Coloma,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Coloma at $35 per month. At $4985 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$210	$35
Westfield	$224	$38
Encompass	$245	$41
Chubb	$292	$50
Auto-Owners Insurance Co	$306	$51
Grange	$398	$68
USAA	$863	$145
Auto-Owners	$1083	$182
AAA	$1405	$237
Progressive	$1982	$334
Farm Bureau	$2360	$393
Pioneer State Mutual	$2768	$470
Frankenmuth	$3300	$550
State Farm	$4639	$789
Allstate	$3351	$570
Farmers	$14385	$2446
Bristol West	$4985	$831

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 Coloma, Travelers is the cheapest car insurance provider. At $342 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 Coloma is Farm Bureau Ins of MI, offering rates of around $1083 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$342	$57
Encompass	$353	$60
Progressive	$495	$83
Westfield	$521	$89
Auto-Owners Insurance Co	$552	$92
Pioneer State Mutual Ins Co	$674	$114
Grange	$853	$142
Farm Bureau Ins of MI	$1083	$184

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Car Insurance Rates with An Accident in Coloma

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

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

The cheapest car insurance companies after an at-fault accident in Coloma include Chubb and Westfield, offering $261 and $276, respectively. Pioneer State is an expensive provider with an average six-month premium of $409.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$261	$45
Westfield	$276	$46
Auto-Owners Insurance Co	$322	$55
Encompass	$363	$60
Farm Bureau Ins of MI	$429	$73
Pioneer State Mutual Ins Co	$475	$79
Travelers	$506	$85
USAA	$659	$111
Progressive	$782	$132
Auto-Owners	$909	$153
AAA	$1083	$182
Farm Bureau	$1767	$295
Pioneer State Mutual	$1885	$321
State Farm	$2130	$355
Frankenmuth	$2299	$391
Allstate	$2467	$411
Farmers	$4408	$750
Pioneer State	$409	$68

Coloma Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Coloma MI. For example, the car insurance in Coloma after a DUI increases to $2064 for a six month policy. While the rate increases by $1124 for a six-month policy in the case of a speeding ticket.

Coloma auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1124	$187
Failure to wear a seat belt	$1333	$227
Cell phone violation	$1415	$236
Texting while driving	$1415	$241
Illegal turn	$1420	$237
Wrong way/wrong lane	$1420	$242
Speeding in school zone	$1441	$240
Driving with expired registration	$1451	$247
Failure to stop at a red light	$1466	$244
Improper passing	$1466	$249
Speeding 16 - 20 MPH over limit	$1630	$272
Open container	$1920	$327
Driving with a suspended license	$2151	$359
Racing	$2774	$471
Reckless driving	$3014	$502
Leaving scene of an accident/hit and run	$3091	$525
DUI	$3188	$531

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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 Coloma 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 Coloma.

The cheapest car insurance premiums in Coloma are offered by Chubb at $261 for a six-month policy. However, it can be as expensive as $8050 with companies like Allstate.

Coloma car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$261	$43
Auto-Owners Insurance Co	$690	$117
Grange	$695	$116
Farmers	$705	$120
Progressive	$777	$131
Pioneer State Mutual Ins Co	$838	$143
USAA	$930	$157
Travelers	$1027	$175
Auto-Owners	$1661	$280
Westfield	$1691	$285
AAA	$1864	$314
Bristol West	$2391	$407
Pioneer State Mutual	$3009	$501
Farm Bureau	$3540	$602
State Farm	$4378	$737
Frankenmuth	$7923	$1348
Allstate	$8050	$1342

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 Coloma are offered by Westfield at $224. However, it can be as expensive as $10161 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Coloma after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$224	$38
Chubb	$261	$43
Encompass	$276	$47
Travelers	$337	$56
Auto-Owners Insurance Co	$358	$61
Farm Bureau Ins of MI	$511	$85
Grange	$542	$92
Auto-Owners	$679	$114
USAA	$695	$118
AAA	$879	$146
Farm Bureau	$909	$155
Pioneer State Mutual	$1001	$167
Progressive	$1022	$172
Frankenmuth	$1635	$273
State Farm	$2973	$506
Allstate	$2018	$343
Farmers	$10161	$1728

Car Insurance Price Trends in Coloma, Michigan

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

The average cost of full coverage in the Coloma dipped by $181 in January compared to $230 of December. In other words, there has been an decrease by $49 when you compare January and December.

The average cost of liability insurance in the Coloma dipped to $64 in January, compared to $77 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 Coloma?

The car insurance in Coloma is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Coloma?

The cheapest car insurance in Coloma is $71 per month for full coverage.

How much is car insurance in Coloma for teenagers?

Car insurance for teenagers costs $210 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 Coloma?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $192 per month to insure your car in Coloma.

Is car insurance expensive in Coloma?

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

Cheapest Car Insurance Quotes in Coloma

Why you can trust Way?

How Much Is Car Insurance in Coloma

Avg. Car Insurance in Coloma

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Coloma

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Coloma Car Insurance Rates by Company

Cheap Car Insurance Companies in Coloma, MI

Way's key takeaways about car insurance in Coloma

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Coloma

Cheapest Liability Coverage in Coloma, MI

Cheapest Full Coverage Car Insurance in Coloma

Cheapest Full Coverage Car Insurance Quotes in Coloma, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Coloma by Rating Factor

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

Car Insurance Premiums by Age in Coloma

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Coloma,MI

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

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 Coloma

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

Coloma Car Insurance Rates by Violation

Coloma auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Coloma after a DUI

Coloma car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Coloma after Speeding ticket

Car Insurance Price Trends in Coloma, Michigan

Average Car Insurance Cost in Coloma by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Coloma, MI

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

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