Cheapest Car Insurance Quotes in Farmington Hills

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Farmington Hills Car Insurance

^$ 44

/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 Hills

The car insurance rate in Farmington Hills is $1504 for a six-month policy, which is $301 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $616, making it a popular choice for budget-conscious drivers. Rates in Farmington Hills 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 Hills

$1504

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Farmington Hills

1st place: Travelers

At $616 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $773 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $854 for six months, making it the third cheapest auto insurance company in Farmington Hills.

Farmington Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Farmington Hills, MI is Travelers, offering policies at just $616 for a six-month term. This is followed by USAA, which has an average six-month premium of $773.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1018 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Farmington Hills drivers find the best deals.

Cheap Car Insurance Companies in Farmington Hills, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$616	$104
USAA	$773	$130
Encompass	$854	$143
Auto-Owners Insurance Co	$876	$149
Chubb	$921	$154
Auto-Owners	$1033	$174
AAA	$1054	$178
Farm Bureau Ins of MI	$1084	$184
Pioneer State Mutual Ins Co	$1180	$196
Progressive	$1180	$199
Westfield	$1470	$248
Farm Bureau	$1656	$281
State Farm	$2109	$355
Allstate	$2250	$383
Bristol West	$2933	$489
Farmers	$4559	$775
Hastings Mutual	$1018	$170

Key Takeaways

Way's key takeaways about car insurance in Farmington Hills

The auto insurance costs in Farmington Hills fall around $616 for six months.
The cheapest auto insurance company in Farmington Hills is Travelers.
Teen drivers pay the highest rate in Farmington Hills at $1208 per month.

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Cheapest Minimum Liability Car Insurance in Farmington Hills

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 Hills are given below.

Travelers provides the cheapest minimum car insurance coverage in Farmington Hills. Their Average 6 Month Premium is $260. Hastings Mutual is the most expensive at $445 for the same period.

Cheapest Liability Coverage in Farmington Hills, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$260	$44
Westfield	$275	$46
USAA	$349	$59
Encompass	$356	$60
Chubb	$379	$63
Auto-Owners Insurance Co	$409	$70
Auto-Owners	$483	$81
Farm Bureau Ins of MI	$528	$90
Progressive	$543	$91
AAA	$646	$110
Farm Bureau	$816	$136
Allstate	$958	$163
Bristol West	$1225	$204
State Farm	$1314	$221
Farmers	$2369	$395
Hastings Mutual	$445	$74

Cheapest Full Coverage Car Insurance in Farmington Hills

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 Hills is Travelers at $104 per month and $616 for six months.

Cheapest Full Coverage Car Insurance Quotes in Farmington Hills, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$616	$104
USAA	$773	$130
Encompass	$854	$143
Auto-Owners Insurance Co	$876	$149
Chubb	$921	$154
Auto-Owners	$1033	$174
AAA	$1054	$178
Farm Bureau Ins of MI	$1084	$184
Pioneer State Mutual Ins Co	$1180	$196
Progressive	$1180	$199
Westfield	$1470	$248
Farm Bureau	$1656	$281
State Farm	$2109	$355
Allstate	$2250	$383
Bristol West	$2933	$489
Farmers	$4559	$775
Hastings Mutual	$1018	$170

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Average Car Insurance in Farmington Hills 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 Hills, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Farmington Hills, 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 Hills'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 Hills

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	$349
30s	USAA	$265
40s	USAA	$254
50s	USAA	$244
60s	Chubb	$223
70s	Chubb	$244

Cheapest Car Insurance Rates for Teen Drivers in Farmington Hills,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Farmington Hills at $51 per month. At $7246 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$305	$51
Westfield	$326	$55
Encompass	$356	$60
Chubb	$424	$73
Auto-Owners Insurance Co	$445	$74
Grange	$579	$99
USAA	$1174	$198
Auto-Owners	$1404	$236
AAA	$1871	$315
Farm Bureau	$2695	$459
Progressive	$2889	$486
Allstate	$4871	$829
State Farm	$4998	$833
Farmers	$20909	$3555
Bristol West	$7246	$1208

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 Hills.

As young drivers face the highest rates in Farmington Hills, Chubb offers the cheapest auto insurance rates at $349 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 Hills, Travelers is the cheapest car insurance provider. At $498 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 Hills is Farm Bureau Ins of MI, offering rates of around $1574 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$498	$85
Encompass	$513	$85
Progressive	$720	$123
Westfield	$758	$126
Auto-Owners Insurance Co	$803	$136
Pioneer State Mutual Ins Co	$980	$164
Grange	$1240	$211
Farm Bureau Ins of MI	$1574	$263

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

Car Insurance Rates with An Accident in Farmington Hills

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

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

The cheapest car insurance companies after an at-fault accident in Farmington Hills include Chubb and Westfield, offering $379 and $401, respectively. Pioneer State is an expensive provider with an average six-month premium of $594.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$379	$65
Westfield	$401	$66
Auto-Owners Insurance Co	$468	$80
Encompass	$528	$88
Farm Bureau Ins of MI	$624	$106
Pioneer State Mutual Ins Co	$690	$115
Travelers	$735	$124
USAA	$921	$155
Progressive	$1018	$171
Auto-Owners	$1136	$191
AAA	$1455	$245
Farm Bureau	$2028	$338
State Farm	$2309	$393
Allstate	$3586	$598
Farmers	$6408	$1090
Pioneer State	$594	$99

Farmington Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Farmington Hills MI. For example, the car insurance in Farmington Hills after a DUI increases to $3000 for a six month policy. While the rate increases by $1634 for a six-month policy in the case of a speeding ticket.

Farmington Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1634	$273
Failure to wear a seat belt	$1938	$330
Cell phone violation	$2056	$343
Texting while driving	$2056	$350
Illegal turn	$2064	$344
Wrong way/wrong lane	$2064	$351
Speeding in school zone	$2094	$349
Driving with expired registration	$2109	$359
Failure to stop at a red light	$2131	$355
Improper passing	$2131	$363
Speeding 16 - 20 MPH over limit	$2369	$395
Open container	$2791	$475
Driving with a suspended license	$3126	$521
Racing	$4031	$685
Reckless driving	$4381	$730
Leaving scene of an accident/hit and run	$4493	$764
DUI	$4634	$773

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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 Hills 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 Hills.

The cheapest car insurance premiums in Farmington Hills are offered by Chubb at $379 for a six-month policy. However, it can be as expensive as $11701 with companies like Allstate.

Farmington Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$379	$63
Auto-Owners Insurance Co	$1003	$170
Grange	$1010	$169
Progressive	$1076	$181
Pioneer State Mutual Ins Co	$1218	$203
USAA	$1314	$221
Travelers	$1493	$249
Auto-Owners	$2258	$380
Westfield	$2458	$414
AAA	$2539	$428
Bristol West	$3475	$579
Farmers	$3564	$600
Farm Bureau	$4218	$703
State Farm	$5309	$894
Allstate	$11701	$1950

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 Hills are offered by Westfield at $326. However, it can be as expensive as $14769 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Farmington Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$326	$55
Chubb	$379	$63
Encompass	$401	$69
Travelers	$490	$81
Auto-Owners Insurance Co	$520	$89
Farm Bureau Ins of MI	$743	$124
USAA	$773	$131
Grange	$788	$131
Auto-Owners	$1084	$184
Progressive	$1589	$268
AAA	$1611	$274
Farm Bureau	$1619	$270
Allstate	$2933	$499
State Farm	$4923	$820
Farmers	$14769	$2511

Car Insurance Price Trends in Farmington Hills, Michigan

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

The average cost of full coverage in the Farmington Hills dipped by $335 in December compared to $344 of November. In other words, there has been an decrease by $9 when you compare December and November.

The average cost of liability insurance in the Farmington Hills rose to $111 in December, compared to $103 in November. This represents an increase of $8 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Farmington Hills?

The car insurance in Farmington Hills is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Farmington Hills?

The cheapest car insurance in Farmington Hills is $104 per month for full coverage.

How much is car insurance in Farmington Hills for teenagers?

Car insurance for teenagers costs $305 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 Hills?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $253 per month to insure your car in Farmington Hills.

Is car insurance expensive in Farmington Hills?

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

Cheapest Car Insurance Quotes in Farmington Hills

Why you can trust Way?

How Much Is Car Insurance in Farmington Hills

Avg. Car Insurance in Farmington Hills

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Farmington Hills

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Farmington Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Farmington Hills, MI

Way's key takeaways about car insurance in Farmington Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Farmington Hills

Cheapest Liability Coverage in Farmington Hills, MI

Cheapest Full Coverage Car Insurance in Farmington Hills

Cheapest Full Coverage Car Insurance Quotes in Farmington Hills, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Farmington Hills by Rating Factor

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

Car Insurance Premiums by Age in Farmington Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Farmington Hills,MI

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

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 Hills

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

Farmington Hills Car Insurance Rates by Violation

Farmington Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Farmington Hills after a DUI

Farmington Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Farmington Hills after Speeding ticket

Car Insurance Price Trends in Farmington Hills, Michigan

Average Car Insurance Cost in Farmington Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Farmington Hills, MI

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

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Data Sources