Cheapest Car Insurance Quotes in Fair Plain

Finding the cheapest car insurance quotes in Fair Plain 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Fair Plain 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 Fair Plain

The car insurance rate in Fair Plain is $1035 for a six-month policy, which is $168 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 Fair Plain 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 Fair Plain

$1035

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Fair Plain

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 $531 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 Fair Plain.

Fair Plain Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fair Plain, 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 $531.

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 Fair Plain drivers find the best deals.

Cheap Car Insurance Companies in Fair Plain, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$424	$71
USAA	$531	$89
Encompass	$587	$98
Auto-Owners Insurance Co	$603	$102
Chubb	$634	$106
Auto-Owners	$710	$120
AAA	$725	$122
Farm Bureau Ins of MI	$746	$126
Pioneer State Mutual Ins Co	$812	$135
Progressive	$812	$137
Westfield	$1011	$170
Farm Bureau	$1140	$194
State Farm	$1451	$244
Allstate	$1548	$263
Bristol West	$2018	$336
Farmers	$3136	$533
Hastings Mutual	$700	$117

Key Takeaways

Way's key takeaways about car insurance in Fair Plain

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

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 Fair Plain are given below.

Travelers provides the cheapest minimum car insurance coverage in Fair Plain. Their Average 6 Month Premium is $179. Hastings Mutual is the most expensive at $306 for the same period.

Cheapest Liability Coverage in Fair Plain, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$179	$30
Westfield	$189	$32
USAA	$240	$40
Encompass	$245	$41
Chubb	$261	$43
Auto-Owners Insurance Co	$281	$48
Auto-Owners	$332	$56
Farm Bureau Ins of MI	$363	$62
Progressive	$373	$63
AAA	$445	$76
Farm Bureau	$562	$94
Allstate	$659	$112
Bristol West	$843	$140
State Farm	$904	$152
Farmers	$1630	$272
Hastings Mutual	$306	$51

Cheapest Full Coverage Car Insurance in Fair Plain

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

Cheapest Full Coverage Car Insurance Quotes in Fair Plain, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$424	$71
USAA	$531	$89
Encompass	$587	$98
Auto-Owners Insurance Co	$603	$102
Chubb	$634	$106
Auto-Owners	$710	$120
AAA	$725	$122
Farm Bureau Ins of MI	$746	$126
Pioneer State Mutual Ins Co	$812	$135
Progressive	$812	$137
Westfield	$1011	$170
Farm Bureau	$1140	$194
State Farm	$1451	$244
Allstate	$1548	$263
Bristol West	$2018	$336
Farmers	$3136	$533
Hastings Mutual	$700	$117

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Fair Plain Instantly!

Average Car Insurance in Fair Plain 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 Fair Plain, MI increasing?

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

Car Insurance Premiums by Age in Fair Plain

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	$240
30s	USAA	$182
40s	USAA	$175
50s	USAA	$168
60s	Chubb	$153
70s	Chubb	$168

Cheapest Car Insurance Rates for Teen Drivers in Fair Plain,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Fair Plain 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	$808	$136
Auto-Owners	$966	$163
AAA	$1287	$217
Farm Bureau	$1854	$316
Progressive	$1987	$335
Allstate	$3351	$570
State Farm	$3438	$573
Farmers	$14385	$2446
Bristol West	$4985	$831

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 Fair Plain.

As young drivers face the highest rates in Fair Plain, Chubb offers the cheapest auto insurance rates at $240 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 Fair Plain, 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 Fair Plain is Farm Bureau Ins of MI, offering rates of around $1083 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$342	$58
Encompass	$353	$58
Progressive	$495	$84
Westfield	$521	$87
Auto-Owners Insurance Co	$552	$94
Pioneer State Mutual Ins Co	$674	$113
Grange	$853	$145
Farm Bureau Ins of MI	$1083	$181

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Fair Plain

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fair Plain

The cheapest car insurance companies after an at-fault accident in Fair Plain 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	$634	$107
Progressive	$700	$118
Auto-Owners	$782	$132
AAA	$1001	$169
Farm Bureau	$1395	$232
State Farm	$1588	$270
Allstate	$2467	$411
Farmers	$4408	$750
Pioneer State	$409	$68

Fair Plain Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fair Plain MI. For example, the car insurance in Fair Plain 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.

Fair Plain 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

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Fair Plain 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 Fair Plain.

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

Fair Plain 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
Progressive	$740	$125
Pioneer State Mutual Ins Co	$838	$139
USAA	$904	$152
Travelers	$1027	$171
Auto-Owners	$1553	$261
Westfield	$1691	$285
AAA	$1747	$294
Bristol West	$2391	$398
Farmers	$2452	$413
Farm Bureau	$2902	$483
State Farm	$3652	$615
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 Fair Plain 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 Fair Plain 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
USAA	$531	$90
Grange	$542	$90
Auto-Owners	$746	$126
Progressive	$1093	$184
AAA	$1109	$188
Farm Bureau	$1114	$186
Allstate	$2018	$343
State Farm	$3387	$564
Farmers	$10161	$1728

Car Insurance Price Trends in Fair Plain, Michigan

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

The average cost of full coverage in the Fair Plain dipped by $230 in December compared to $237 of November. In other words, there has been an decrease by $7 when you compare December and November.

The average cost of liability insurance in the Fair Plain rose to $77 in December, compared to $71 in November. This represents an increase of $6 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Fair Plain?

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

What is the cheapest car insurance in Fair Plain?

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

How much is car insurance in Fair Plain 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 Fair Plain?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $174 per month to insure your car in Fair Plain.

Is car insurance expensive in Fair Plain?

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

Cheapest Car Insurance Quotes in Fair Plain

Why you can trust Way?

How Much Is Car Insurance in Fair Plain

Avg. Car Insurance in Fair Plain

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Fair Plain

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Fair Plain Car Insurance Rates by Company

Cheap Car Insurance Companies in Fair Plain, MI

Way's key takeaways about car insurance in Fair Plain

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fair Plain

Cheapest Liability Coverage in Fair Plain, MI

Cheapest Full Coverage Car Insurance in Fair Plain

Cheapest Full Coverage Car Insurance Quotes in Fair Plain, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fair Plain by Rating Factor

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

Car Insurance Premiums by Age in Fair Plain

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fair Plain,MI

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

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 Fair Plain

Cheapest Car Insurance Companies after an At-Fault Accident in Fair Plain

Fair Plain Car Insurance Rates by Violation

Fair Plain auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fair Plain after a DUI

Fair Plain car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fair Plain after Speeding ticket

Car Insurance Price Trends in Fair Plain, Michigan

Average Car Insurance Cost in Fair Plain by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fair Plain, MI

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

Featured Blogs

Data Sources