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Finding the cheapest car insurance quotes in Drayton Plains shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Drayton Plains
The car insurance rate in Drayton Plains is $1323 for a six-month policy, which is $120 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $542, making it a popular choice for budget-conscious drivers. Rates in Drayton Plains 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.
Cheapest Car Insurance Companies in Drayton Plains
1st place: Travelers
At $542 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $680 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Encompass
Encompass offers auto insurance
rates at $751
for six months, making it
the third cheapest auto insurance company in Drayton Plains.
Drayton Plains Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Drayton Plains, MI is Travelers, offering policies at just $542 for a six-month term. This is followed by USAA, which has an average six-month premium of $680.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $895 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Drayton Plains drivers find the best deals.
Cheap Car Insurance Companies in Drayton Plains, MI
Way's key takeaways about car insurance in Drayton Plains
The auto insurance costs in Drayton Plains fall around $542 for six
months.
The cheapest auto insurance company in Drayton Plains is Travelers.
Teen drivers pay the highest rate in Drayton Plains at $1063 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 Drayton Plains
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 Drayton Plains are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Drayton Plains. Their Average 6 Month Premium is $229.
Hastings Mutual is the most
expensive at $392 for the same
period.
Cheapest Full Coverage Car Insurance in Drayton Plains
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 Drayton Plains is Travelers
at $91 per month and $542
for six months.
Cheapest Full Coverage Car Insurance Quotes in Drayton Plains,
MI
Get Your Car Insurance Quote in Drayton Plains
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Average Car Insurance in Drayton Plains 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 Drayton Plains, MI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Drayton Plains, 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, Drayton Plains's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Drayton Plains
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
$307
30s
USAA
$233
40s
USAA
$223
50s
USAA
$215
60s
Chubb
$196
70s
Chubb
$215
Cheapest Car Insurance Rates for Teen Drivers in
Drayton Plains,MI
If you are planning to get a car insurance policy for your teenage
dependent, Travelers provides the cheapest car
insurance in the Drayton Plains at $45
per
month. At $6377 for a six-month premium,
Bristol West offers the most expensive rate for
teen drivers.
If you are in your twenties Chubb is
the best choice for car
insurance in Drayton Plains.
As young drivers face the highest rates in Drayton Plains, Chubb
offers the cheapest auto insurance rates at $307 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 Drayton Plains,
Travelers is
the cheapest car insurance provider. At $438 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
Drayton Plains is Farm Bureau Ins of MI, offering
rates of around $1385 for six
months.
Save up to $971/yr on car insurance rates in Drayton Plains.
Car Insurance Rates with An Accident in Drayton Plains
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 Drayton Plains, MI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Drayton Plains
The cheapest car insurance companies after an at-fault accident in
Drayton Plains include Chubb
and Westfield, offering $333
and $353,
respectively. Pioneer State is an expensive provider
with an average six-month premium of
$523.
Here is a list of driving violations that can increase your car
insurance rates in Drayton Plains MI. For example, the car
insurance in Drayton Plains
after a DUI increases to $2640 for a six
month policy. While the rate increases by $1438 for a six-month policy in the case of
a speeding ticket.
Drayton Plains auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1438
$240
Failure to wear a seat belt
$1705
$290
Cell phone violation
$1810
$301
Texting while driving
$1810
$308
Illegal turn
$1816
$303
Wrong way/wrong lane
$1816
$309
Speeding in school zone
$1843
$307
Driving with expired registration
$1856
$316
Failure to stop at a red light
$1876
$312
Improper passing
$1876
$319
Speeding 16 - 20 MPH over limit
$2085
$348
Open container
$2456
$418
Driving with a suspended license
$2751
$459
Racing
$3548
$603
Reckless driving
$3856
$642
Leaving scene of an accident/hit and run
$3953
$672
DUI
$4078
$680
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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 Drayton Plains 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 Drayton Plains.
The cheapest car insurance premiums in
Drayton Plains are
offered by Chubb at $333 for a six-month policy.
However, it can be as
expensive as $10297 with companies
like Allstate.
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 Drayton Plains are offered by Westfield
at $287. However,
it can be as expensive as $12997
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Drayton Plains after Speeding ticket
Car Insurance Price Trends in Drayton Plains,
Michigan
Car insurance rates in Drayton Plains have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Drayton Plains dipped by
$295 in December
compared to $303 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 Drayton Plains rose to $98 in December,
compared to $90 in November.
This represents an increase of $8
when comparing December and November.
Average Car Insurance Cost in Drayton Plains by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Drayton Plains. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Drayton Plains?
The car insurance in Drayton Plains is $39 per month, which is lower than the national average.
What is the cheapest car insurance in Drayton Plains?
The cheapest car insurance in Drayton Plains
is $91 per month
for full coverage.
How much is car insurance in Drayton Plains for teenagers?
Car insurance for teenagers costs $268 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
Drayton Plains?
The average cost of car insurance is $1203 for a six-month
policy. It will cost around $222 per month to insure your
car in Drayton Plains.
Is car insurance expensive in Drayton Plains?
Car insurance can be expensive in Drayton Plains if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Drayton Plains can be
affordable.
What is the best car insurance in Drayton Plains,
MI?
The best car insurance company in Drayton Plains
MI is
Travelers, offering $542 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Drayton Plains, MI
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Drayton Plains Car Insurance
