Cheapest Car Insurance Quotes in Farmington

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Farmington Car Insurance

^$ 42

/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 Farmington

The car insurance rate in Farmington is $1432 for a six-month policy, which is $229 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $587, making it a popular choice for budget-conscious drivers. Rates in Farmington 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 Farmington

$1432

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Farmington

1st place: Travelers

At $587 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $735 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $813 for six months, making it the third cheapest auto insurance company in Farmington.

Farmington Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Farmington, MI is Travelers, offering policies at just $587 for a six-month term. This is followed by USAA, which has an average six-month premium of $735.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $969 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Farmington drivers find the best deals.

Cheap Car Insurance Companies in Farmington, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$587	$99
USAA	$735	$124
Encompass	$813	$136
Auto-Owners Insurance Co	$834	$142
Chubb	$877	$146
Auto-Owners	$983	$165
AAA	$1003	$169
Farm Bureau Ins of MI	$1032	$175
Pioneer State Mutual Ins Co	$1123	$187
Progressive	$1123	$189
Westfield	$1399	$236
Farm Bureau	$1577	$268
State Farm	$2008	$338
Allstate	$2142	$364
Bristol West	$2792	$465
Farmers	$4340	$738
Hastings Mutual	$969	$162

Key Takeaways

Way's key takeaways about car insurance in Farmington

The auto insurance costs in Farmington fall around $587 for six months.
The cheapest auto insurance company in Farmington is Travelers.
Teen drivers pay the highest rate in Farmington at $1150 per month.

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Cheapest Minimum Liability Car Insurance in Farmington

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 Farmington are given below.

Travelers provides the cheapest minimum car insurance coverage in Farmington. Their Average 6 Month Premium is $248. Hastings Mutual is the most expensive at $424 for the same period.

Cheapest Liability Coverage in Farmington, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$248	$42
Westfield	$262	$44
USAA	$332	$56
Encompass	$339	$57
Chubb	$361	$60
Auto-Owners Insurance Co	$389	$67
Auto-Owners	$459	$77
Farm Bureau Ins of MI	$502	$86
Progressive	$516	$87
AAA	$615	$105
Farm Bureau	$777	$130
Allstate	$912	$155
Bristol West	$1166	$194
State Farm	$1251	$211
Farmers	$2255	$376
Hastings Mutual	$424	$70

Cheapest Full Coverage Car Insurance in Farmington

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 Farmington is Travelers at $99 per month and $587 for six months.

Cheapest Full Coverage Car Insurance Quotes in Farmington, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$587	$99
USAA	$735	$124
Encompass	$813	$136
Auto-Owners Insurance Co	$834	$142
Chubb	$877	$146
Auto-Owners	$983	$165
AAA	$1003	$169
Farm Bureau Ins of MI	$1032	$175
Pioneer State Mutual Ins Co	$1123	$187
Progressive	$1123	$189
Westfield	$1399	$236
Farm Bureau	$1577	$268
State Farm	$2008	$338
Allstate	$2142	$364
Bristol West	$2792	$465
Farmers	$4340	$738
Hastings Mutual	$969	$162

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Average Car Insurance in Farmington 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 Farmington, MI increasing?

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

Car Insurance Premiums by Age in Farmington

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	$332
30s	USAA	$252
40s	USAA	$242
50s	USAA	$232
60s	Chubb	$212
70s	Chubb	$232

Cheapest Car Insurance Rates for Teen Drivers in Farmington,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Farmington at $49 per month. At $6898 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$290	$49
Westfield	$311	$52
Encompass	$339	$57
Chubb	$403	$69
Auto-Owners Insurance Co	$424	$70
Grange	$551	$94
USAA	$1117	$188
Auto-Owners	$1336	$225
AAA	$1781	$300
Farm Bureau	$2566	$437
Progressive	$2750	$463
Allstate	$4637	$789
State Farm	$4758	$793
Farmers	$19905	$3384
Bristol West	$6898	$1150

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 Farmington.

As young drivers face the highest rates in Farmington, Chubb offers the cheapest auto insurance rates at $332 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 Farmington, Travelers is the cheapest car insurance provider. At $474 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 Farmington is Farm Bureau Ins of MI, offering rates of around $1498 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$474	$81
Encompass	$488	$81
Progressive	$685	$117
Westfield	$721	$120
Auto-Owners Insurance Co	$764	$130
Pioneer State Mutual Ins Co	$933	$156
Grange	$1180	$201
Farm Bureau Ins of MI	$1498	$250

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Car Insurance Rates with An Accident in Farmington

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

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

The cheapest car insurance companies after an at-fault accident in Farmington include Chubb and Westfield, offering $361 and $382, respectively. Pioneer State is an expensive provider with an average six-month premium of $565.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$361	$62
Westfield	$382	$63
Auto-Owners Insurance Co	$445	$76
Encompass	$502	$83
Farm Bureau Ins of MI	$594	$101
Pioneer State Mutual Ins Co	$657	$109
Travelers	$700	$118
USAA	$877	$148
Progressive	$969	$163
Auto-Owners	$1082	$182
AAA	$1385	$233
Farm Bureau	$1930	$321
State Farm	$2198	$374
Allstate	$3414	$569
Farmers	$6100	$1038
Pioneer State	$565	$94

Farmington Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Farmington MI. For example, the car insurance in Farmington after a DUI increases to $2856 for a six month policy. While the rate increases by $1555 for a six-month policy in the case of a speeding ticket.

Farmington auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1555	$259
Failure to wear a seat belt	$1845	$314
Cell phone violation	$1958	$326
Texting while driving	$1958	$333
Illegal turn	$1965	$327
Wrong way/wrong lane	$1965	$334
Speeding in school zone	$1993	$332
Driving with expired registration	$2008	$342
Failure to stop at a red light	$2029	$338
Improper passing	$2029	$345
Speeding 16 - 20 MPH over limit	$2255	$376
Open container	$2657	$452
Driving with a suspended license	$2976	$496
Racing	$3838	$652
Reckless driving	$4171	$695
Leaving scene of an accident/hit and run	$4277	$727
DUI	$4411	$735

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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 Farmington 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 Farmington.

The cheapest car insurance premiums in Farmington are offered by Chubb at $361 for a six-month policy. However, it can be as expensive as $11140 with companies like Allstate.

Farmington car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$361	$60
Auto-Owners Insurance Co	$954	$162
Grange	$962	$161
Progressive	$1025	$173
Pioneer State Mutual Ins Co	$1159	$193
USAA	$1251	$211
Travelers	$1421	$237
Auto-Owners	$2149	$362
Westfield	$2340	$394
AAA	$2417	$407
Bristol West	$3308	$551
Farmers	$3393	$571
Farm Bureau	$4015	$669
State Farm	$5054	$851
Allstate	$11140	$1856

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 Farmington are offered by Westfield at $311. However, it can be as expensive as $14060 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Farmington after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$311	$52
Chubb	$361	$60
Encompass	$382	$65
Travelers	$466	$77
Auto-Owners Insurance Co	$495	$84
Farm Bureau Ins of MI	$707	$118
USAA	$735	$125
Grange	$750	$125
Auto-Owners	$1032	$175
Progressive	$1512	$255
AAA	$1534	$261
Farm Bureau	$1541	$257
Allstate	$2792	$475
State Farm	$4686	$781
Farmers	$14060	$2391

Car Insurance Price Trends in Farmington, Michigan

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

The average cost of full coverage in the Farmington dipped by $319 in December compared to $327 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 Farmington rose to $106 in December, compared to $98 in November. This represents an increase of $8 when comparing December and November.

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Average Car Insurance Cost in Farmington 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 Farmington. At $1832 for a six-month policy, insuring your car at 48336 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
48336	$1832	$307
48335	$1789	$300
48334	$1732	$290
48331	$1760	$295

Frequently Asked Questions

How much is car insurance in Farmington?

The car insurance in Farmington is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Farmington?

The cheapest car insurance in Farmington is $99 per month for full coverage.

How much is car insurance in Farmington for teenagers?

Car insurance for teenagers costs $290 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 Farmington?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $240 per month to insure your car in Farmington.

Is car insurance expensive in Farmington?

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

Cheapest Car Insurance Quotes in Farmington

Why you can trust Way?

How Much Is Car Insurance in Farmington

Avg. Car Insurance in Farmington

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Farmington

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Farmington Car Insurance Rates by Company

Cheap Car Insurance Companies in Farmington, MI

Way's key takeaways about car insurance in Farmington

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Farmington

Cheapest Liability Coverage in Farmington, MI

Cheapest Full Coverage Car Insurance in Farmington

Cheapest Full Coverage Car Insurance Quotes in Farmington, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Farmington by Rating Factor

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

Car Insurance Premiums by Age in Farmington

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Farmington,MI

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

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 Farmington

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

Farmington Car Insurance Rates by Violation

Farmington auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Farmington after a DUI

Farmington car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Farmington after Speeding ticket

Car Insurance Price Trends in Farmington, Michigan

Average Car Insurance Cost in Farmington by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Farmington, MI

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

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