Cheapest Car Insurance Quotes in Franklin

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Franklin Car Insurance

^$ 41

/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 Franklin

The car insurance rate in Franklin is $1549 for a six-month policy, which is $225 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $577, making it a popular choice for budget-conscious drivers. Rates in Franklin 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 Franklin

$1549

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Franklin

1st place: Travelers

At $577 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $737 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $799 for six months, making it the third cheapest auto insurance company in Franklin.

Franklin Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Franklin, MI is Travelers, offering policies at just $577 for a six-month term. This is followed by USAA, which has an average six-month premium of $737.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $952 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Franklin drivers find the best deals.

Cheap Car Insurance Companies in Franklin, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$577	$97
USAA	$737	$124
Encompass	$799	$136
Auto-Owners Insurance Co	$820	$137
Chubb	$862	$146
Farm Bureau Ins of MI	$1014	$170
Auto-Owners	$1064	$179
AAA	$1071	$180
Pioneer State Mutual Ins Co	$1104	$188
Progressive	$1133	$191
Westfield	$1376	$232
Farm Bureau	$1967	$328
Pioneer State Mutual	$2141	$364
State Farm	$2286	$385
Frankenmuth	$2432	$414
Bristol West	$2745	$457
Allstate	$2106	$358
Farmers	$4267	$725
Hastings Mutual	$952	$159

Key Takeaways

Way's key takeaways about car insurance in Franklin

The auto insurance costs in Franklin fall around $577 for six months.
The cheapest auto insurance company in Franklin is Travelers.
Teen drivers pay the highest rate in Franklin at $1130 per month.

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Cheapest Minimum Liability Car Insurance in Franklin

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 Franklin are given below.

Travelers provides the cheapest minimum car insurance coverage in Franklin. Their Average 6 Month Premium is $243. Farmers is the most expensive at $2217 for the same period.

Cheapest Liability Coverage in Franklin, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$243	$41
Westfield	$257	$43
USAA	$305	$51
Encompass	$333	$56
Chubb	$355	$61
Auto-Owners Insurance Co	$383	$63
Auto-Owners	$424	$71
Progressive	$480	$81
AAA	$487	$83
Farm Bureau Ins of MI	$494	$82
Farm Bureau	$619	$105
Pioneer State Mutual	$626	$104
Frankenmuth	$737	$125
State Farm	$1140	$192
Bristol West	$1147	$195
Allstate	$896	$152
Farmers	$2217	$370

Cheapest Full Coverage Car Insurance in Franklin

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 Franklin is Travelers at $97 per month and $577 for six months.

Cheapest Full Coverage Car Insurance Quotes in Franklin, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$577	$97
USAA	$737	$124
Encompass	$799	$136
Auto-Owners Insurance Co	$820	$137
Chubb	$862	$146
Farm Bureau Ins of MI	$1014	$170
Auto-Owners	$1064	$179
AAA	$1071	$180
Pioneer State Mutual Ins Co	$1104	$188
Progressive	$1133	$191
Westfield	$1376	$232
Farm Bureau	$1967	$328
Pioneer State Mutual	$2141	$364
State Farm	$2286	$385
Frankenmuth	$2432	$414
Bristol West	$2745	$457
Allstate	$2106	$358
Farmers	$4267	$725
Hastings Mutual	$952	$159

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Average Car Insurance in Franklin 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 Franklin, MI increasing?

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

Car Insurance Premiums by Age in Franklin

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

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Cheapest Car Insurance Rates for Teen Drivers in Franklin,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Franklin at $48 per month. At $6782 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$285	$48
Westfield	$305	$51
Encompass	$333	$56
Chubb	$397	$68
Auto-Owners Insurance Co	$417	$69
Grange	$542	$92
USAA	$1175	$198
Auto-Owners	$1473	$248
AAA	$1912	$322
Progressive	$2697	$454
Farm Bureau	$3210	$535
Pioneer State Mutual	$3766	$640
Frankenmuth	$4489	$749
State Farm	$6311	$1073
Allstate	$4559	$776
Farmers	$19571	$3327
Bristol West	$6782	$1130

Teen Car Insurance Rates in MI by Age

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 Franklin, Travelers is the cheapest car insurance provider. At $466 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 Franklin is Farm Bureau Ins of MI, offering rates of around $1473 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$466	$77
Encompass	$480	$82
Progressive	$674	$112
Westfield	$709	$121
Auto-Owners Insurance Co	$751	$125
Pioneer State Mutual Ins Co	$917	$156
Grange	$1161	$193
Farm Bureau Ins of MI	$1473	$250

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Car Insurance Rates with An Accident in Franklin

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

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

The cheapest car insurance companies after an at-fault accident in Franklin include Chubb and Westfield, offering $355 and $376, respectively. Pioneer State is an expensive provider with an average six-month premium of $556.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$355	$61
Westfield	$376	$62
Auto-Owners Insurance Co	$438	$75
Encompass	$494	$82
Farm Bureau Ins of MI	$584	$99
Pioneer State Mutual Ins Co	$646	$108
Travelers	$688	$116
USAA	$896	$151
Progressive	$1064	$179
Auto-Owners	$1237	$208
AAA	$1473	$248
Farm Bureau	$2404	$401
Pioneer State Mutual	$2565	$436
State Farm	$2898	$483
Frankenmuth	$3127	$532
Allstate	$3357	$559
Farmers	$5997	$1020
Pioneer State	$556	$92

Franklin Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Franklin MI. For example, the car insurance in Franklin after a DUI increases to $2808 for a six month policy. While the rate increases by $1529 for a six-month policy in the case of a speeding ticket.

Franklin auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1529	$255
Failure to wear a seat belt	$1814	$309
Cell phone violation	$1925	$321
Texting while driving	$1925	$328
Illegal turn	$1932	$322
Wrong way/wrong lane	$1932	$329
Speeding in school zone	$1960	$326
Driving with expired registration	$1974	$336
Failure to stop at a red light	$1995	$332
Improper passing	$1995	$339
Speeding 16 - 20 MPH over limit	$2217	$370
Open container	$2613	$445
Driving with a suspended license	$2926	$488
Racing	$3773	$641
Reckless driving	$4101	$683
Leaving scene of an accident/hit and run	$4205	$715
DUI	$4337	$723

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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 Franklin 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 Franklin.

The cheapest car insurance premiums in Franklin are offered by Chubb at $355 for a six-month policy. However, it can be as expensive as $10952 with companies like Allstate.

Franklin car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$355	$59
Auto-Owners Insurance Co	$938	$159
Grange	$945	$158
Farmers	$959	$163
Progressive	$1057	$178
Pioneer State Mutual Ins Co	$1140	$194
USAA	$1265	$213
Travelers	$1397	$238
Auto-Owners	$2259	$380
Westfield	$2300	$387
AAA	$2537	$427
Bristol West	$3253	$553
Pioneer State Mutual	$4094	$682
Farm Bureau	$4816	$819
State Farm	$5956	$1003
Frankenmuth	$10779	$1833
Allstate	$10952	$1825

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 Franklin are offered by Westfield at $305. However, it can be as expensive as $13824 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Franklin after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$305	$51
Chubb	$355	$59
Encompass	$376	$64
Travelers	$459	$76
Auto-Owners Insurance Co	$487	$83
Farm Bureau Ins of MI	$695	$116
Grange	$737	$125
Auto-Owners	$924	$154
USAA	$945	$160
AAA	$1196	$199
Farm Bureau	$1237	$211
Pioneer State Mutual	$1362	$227
Progressive	$1390	$234
Frankenmuth	$2224	$371
State Farm	$4045	$688
Allstate	$2745	$467
Farmers	$13824	$2351

Car Insurance Price Trends in Franklin, Michigan

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

The average cost of full coverage in the Franklin dipped by $246 in January compared to $314 of December. In other words, there has been an decrease by $68 when you compare January and December.

The average cost of liability insurance in the Franklin dipped to $87 in January, compared to $104 in December. This represents an decrease of $17 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Franklin?

The car insurance in Franklin is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Franklin?

The cheapest car insurance in Franklin is $97 per month for full coverage.

How much is car insurance in Franklin for teenagers?

Car insurance for teenagers costs $285 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 Franklin?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $261 per month to insure your car in Franklin.

Is car insurance expensive in Franklin?

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

Cheapest Car Insurance Quotes in Franklin

Why you can trust Way?

How Much Is Car Insurance in Franklin

Avg. Car Insurance in Franklin

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Franklin

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Franklin Car Insurance Rates by Company

Cheap Car Insurance Companies in Franklin, MI

Way's key takeaways about car insurance in Franklin

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Franklin

Cheapest Liability Coverage in Franklin, MI

Cheapest Full Coverage Car Insurance in Franklin

Cheapest Full Coverage Car Insurance Quotes in Franklin, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Franklin by Rating Factor

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

Car Insurance Premiums by Age in Franklin

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Franklin,MI

If you are in your twenties N/A is the best choice for car insurance in Franklin.

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 Franklin

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

Franklin Car Insurance Rates by Violation

Franklin auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Franklin after a DUI

Franklin car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Franklin after Speeding ticket

Car Insurance Price Trends in Franklin, Michigan

Average Car Insurance Cost in Franklin by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Franklin, MI

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

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