Cheapest Car Insurance Quotes in Eastpointe

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Eastpointe Car Insurance

^$ 72

/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 Eastpointe

The car insurance rate in Eastpointe is $2490 for a six-month policy, which is $1287 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1021, making it a popular choice for budget-conscious drivers. Rates in Eastpointe 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 Eastpointe

$2490

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Eastpointe

1st place: Travelers

At $1021 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1279 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1414 for six months, making it the third cheapest auto insurance company in Eastpointe.

Eastpointe Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Eastpointe, MI is Travelers, offering policies at just $1021 for a six-month term. This is followed by USAA, which has an average six-month premium of $1279.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1685 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Eastpointe drivers find the best deals.

Cheap Car Insurance Companies in Eastpointe, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1021	$172
USAA	$1279	$215
Encompass	$1414	$236
Auto-Owners Insurance Co	$1451	$246
Chubb	$1526	$255
Auto-Owners	$1710	$288
AAA	$1745	$294
Farm Bureau Ins of MI	$1795	$304
Pioneer State Mutual Ins Co	$1954	$325
Progressive	$1954	$329
Westfield	$2434	$410
Farm Bureau	$2743	$466
State Farm	$3492	$588
Allstate	$3726	$633
Bristol West	$4856	$809
Farmers	$7549	$1283
Hastings Mutual	$1685	$282

Key Takeaways

Way's key takeaways about car insurance in Eastpointe

The auto insurance costs in Eastpointe fall around $1021 for six months.
The cheapest auto insurance company in Eastpointe is Travelers.
Teen drivers pay the highest rate in Eastpointe at $2000 per month.

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Cheapest Minimum Liability Car Insurance in Eastpointe

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 Eastpointe are given below.

Travelers provides the cheapest minimum car insurance coverage in Eastpointe. Their Average 6 Month Premium is $431. Hastings Mutual is the most expensive at $737 for the same period.

Cheapest Liability Coverage in Eastpointe, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$431	$72
Westfield	$455	$77
USAA	$578	$97
Encompass	$590	$99
Chubb	$627	$103
Auto-Owners Insurance Co	$677	$116
Auto-Owners	$799	$135
Farm Bureau Ins of MI	$874	$149
Progressive	$898	$151
AAA	$1070	$182
Farm Bureau	$1352	$226
Allstate	$1586	$269
Bristol West	$2029	$337
State Farm	$2176	$366
Farmers	$3923	$654
Hastings Mutual	$737	$122

Cheapest Full Coverage Car Insurance in Eastpointe

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 Eastpointe is Travelers at $172 per month and $1021 for six months.

Cheapest Full Coverage Car Insurance Quotes in Eastpointe, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1021	$172
USAA	$1279	$215
Encompass	$1414	$236
Auto-Owners Insurance Co	$1451	$246
Chubb	$1526	$255
Auto-Owners	$1710	$288
AAA	$1745	$294
Farm Bureau Ins of MI	$1795	$304
Pioneer State Mutual Ins Co	$1954	$325
Progressive	$1954	$329
Westfield	$2434	$410
Farm Bureau	$2743	$466
State Farm	$3492	$588
Allstate	$3726	$633
Bristol West	$4856	$809
Farmers	$7549	$1283
Hastings Mutual	$1685	$282

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Average Car Insurance in Eastpointe 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 Eastpointe, MI increasing?

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

Car Insurance Premiums by Age in Eastpointe

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	$578
30s	USAA	$439
40s	USAA	$420
50s	USAA	$404
60s	Chubb	$368
70s	Chubb	$404

Cheapest Car Insurance Rates for Teen Drivers in Eastpointe,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Eastpointe at $85 per month. At $12000 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$505	$85
Westfield	$540	$91
Encompass	$590	$99
Chubb	$702	$120
Auto-Owners Insurance Co	$737	$122
Grange	$958	$164
USAA	$1944	$327
Auto-Owners	$2325	$391
AAA	$3099	$522
Farm Bureau	$4463	$760
Progressive	$4784	$805
Allstate	$8067	$1372
State Farm	$8276	$1379
Farmers	$34625	$5887
Bristol West	$12000	$2000

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 Eastpointe.

As young drivers face the highest rates in Eastpointe, Chubb offers the cheapest auto insurance rates at $578 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 Eastpointe, Travelers is the cheapest car insurance provider. At $824 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 Eastpointe is Farm Bureau Ins of MI, offering rates of around $2606 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$824	$141
Encompass	$849	$141
Progressive	$1192	$203
Westfield	$1254	$209
Auto-Owners Insurance Co	$1329	$226
Pioneer State Mutual Ins Co	$1623	$271
Grange	$2053	$350
Farm Bureau Ins of MI	$2606	$435

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Eastpointe

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

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

The cheapest car insurance companies after an at-fault accident in Eastpointe include Chubb and Westfield, offering $627 and $664, respectively. Pioneer State is an expensive provider with an average six-month premium of $983.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$627	$108
Westfield	$664	$110
Auto-Owners Insurance Co	$774	$132
Encompass	$874	$145
Farm Bureau Ins of MI	$1033	$176
Pioneer State Mutual Ins Co	$1143	$190
Travelers	$1217	$205
USAA	$1526	$257
Progressive	$1685	$284
Auto-Owners	$1882	$317
AAA	$2409	$406
Farm Bureau	$3358	$559
State Farm	$3823	$650
Allstate	$5939	$989
Farmers	$10611	$1805
Pioneer State	$983	$164

Eastpointe Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Eastpointe MI. For example, the car insurance in Eastpointe after a DUI increases to $4968 for a six month policy. While the rate increases by $2705 for a six-month policy in the case of a speeding ticket.

Eastpointe auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2705	$451
Failure to wear a seat belt	$3208	$546
Cell phone violation	$3405	$567
Texting while driving	$3405	$580
Illegal turn	$3418	$569
Wrong way/wrong lane	$3418	$582
Speeding in school zone	$3467	$578
Driving with expired registration	$3492	$594
Failure to stop at a red light	$3529	$588
Improper passing	$3529	$600
Speeding 16 - 20 MPH over limit	$3923	$654
Open container	$4622	$787
Driving with a suspended license	$5177	$863
Racing	$6676	$1134
Reckless driving	$7255	$1209
Leaving scene of an accident/hit and run	$7440	$1265
DUI	$7673	$1279

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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 Eastpointe 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 Eastpointe.

The cheapest car insurance premiums in Eastpointe are offered by Chubb at $627 for a six-month policy. However, it can be as expensive as $19377 with companies like Allstate.

Eastpointe car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$627	$103
Auto-Owners Insurance Co	$1660	$282
Grange	$1673	$279
Progressive	$1782	$300
Pioneer State Mutual Ins Co	$2016	$335
USAA	$2176	$366
Travelers	$2472	$412
Auto-Owners	$3738	$629
Westfield	$4070	$685
AAA	$4204	$708
Bristol West	$5755	$958
Farmers	$5902	$994
Farm Bureau	$6984	$1163
State Farm	$8791	$1480
Allstate	$19377	$3229

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 Eastpointe are offered by Westfield at $540. However, it can be as expensive as $24457 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Eastpointe after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$540	$91
Chubb	$627	$103
Encompass	$664	$114
Travelers	$811	$135
Auto-Owners Insurance Co	$861	$147
Farm Bureau Ins of MI	$1230	$205
USAA	$1279	$217
Grange	$1304	$217
Auto-Owners	$1795	$304
Progressive	$2631	$443
AAA	$2668	$453
Farm Bureau	$2681	$447
Allstate	$4856	$826
State Farm	$8152	$1358
Farmers	$24457	$4159

Car Insurance Price Trends in Eastpointe, Michigan

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

The average cost of full coverage in the Eastpointe dipped by $555 in December compared to $569 of November. In other words, there has been an decrease by $14 when you compare December and November.

The average cost of liability insurance in the Eastpointe rose to $184 in December, compared to $170 in November. This represents an increase of $14 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Eastpointe?

The car insurance in Eastpointe is $72 per month, which is lower than the national average.

What is the cheapest car insurance in Eastpointe?

The cheapest car insurance in Eastpointe is $172 per month for full coverage.

How much is car insurance in Eastpointe for teenagers?

Car insurance for teenagers costs $505 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 Eastpointe?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $418 per month to insure your car in Eastpointe.

Is car insurance expensive in Eastpointe?

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

Cheapest Car Insurance Quotes in Eastpointe

Why you can trust Way?

How Much Is Car Insurance in Eastpointe

Avg. Car Insurance in Eastpointe

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Eastpointe

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Eastpointe Car Insurance Rates by Company

Cheap Car Insurance Companies in Eastpointe, MI

Way's key takeaways about car insurance in Eastpointe

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Eastpointe

Cheapest Liability Coverage in Eastpointe, MI

Cheapest Full Coverage Car Insurance in Eastpointe

Cheapest Full Coverage Car Insurance Quotes in Eastpointe, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Eastpointe by Rating Factor

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

Car Insurance Premiums by Age in Eastpointe

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Eastpointe,MI

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

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 Eastpointe

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

Eastpointe Car Insurance Rates by Violation

Eastpointe auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Eastpointe after a DUI

Eastpointe car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Eastpointe after Speeding ticket

Car Insurance Price Trends in Eastpointe, Michigan

Average Car Insurance Cost in Eastpointe by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Eastpointe, MI

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

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Data Sources