Cheapest Car Insurance Quotes in Gagetown

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Gagetown Car Insurance

^$ 35

/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 Gagetown

The car insurance rate in Gagetown is $1191 for a six-month policy, which is $12 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $488, making it a popular choice for budget-conscious drivers. Rates in Gagetown 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 Gagetown

$1191

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Gagetown

1st place: Travelers

At $488 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $612 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $676 for six months, making it the third cheapest auto insurance company in Gagetown.

Gagetown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gagetown, MI is Travelers, offering policies at just $488 for a six-month term. This is followed by USAA, which has an average six-month premium of $612.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $806 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gagetown drivers find the best deals.

Cheap Car Insurance Companies in Gagetown, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$488	$82
USAA	$612	$103
Encompass	$676	$113
Auto-Owners Insurance Co	$694	$118
Chubb	$730	$122
Auto-Owners	$818	$138
AAA	$835	$141
Farm Bureau Ins of MI	$858	$146
Pioneer State Mutual Ins Co	$935	$155
Progressive	$935	$157
Westfield	$1164	$196
Farm Bureau	$1312	$223
State Farm	$1670	$281
Allstate	$1782	$303
Bristol West	$2323	$387
Farmers	$3611	$614
Hastings Mutual	$806	$135

Key Takeaways

Way's key takeaways about car insurance in Gagetown

The auto insurance costs in Gagetown fall around $488 for six months.
The cheapest auto insurance company in Gagetown is Travelers.
Teen drivers pay the highest rate in Gagetown at $956 per month.

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Cheapest Minimum Liability Car Insurance in Gagetown

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 Gagetown are given below.

Travelers provides the cheapest minimum car insurance coverage in Gagetown. Their Average 6 Month Premium is $206. Hastings Mutual is the most expensive at $352 for the same period.

Cheapest Liability Coverage in Gagetown, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$206	$35
Westfield	$218	$37
USAA	$276	$47
Encompass	$282	$48
Chubb	$300	$50
Auto-Owners Insurance Co	$324	$55
Auto-Owners	$382	$64
Farm Bureau Ins of MI	$418	$71
Progressive	$430	$72
AAA	$512	$87
Farm Bureau	$646	$108
Allstate	$758	$129
Bristol West	$970	$161
State Farm	$1040	$175
Farmers	$1876	$313
Hastings Mutual	$352	$58

Cheapest Full Coverage Car Insurance in Gagetown

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 Gagetown is Travelers at $82 per month and $488 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gagetown, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$488	$82
USAA	$612	$103
Encompass	$676	$113
Auto-Owners Insurance Co	$694	$118
Chubb	$730	$122
Auto-Owners	$818	$138
AAA	$835	$141
Farm Bureau Ins of MI	$858	$146
Pioneer State Mutual Ins Co	$935	$155
Progressive	$935	$157
Westfield	$1164	$196
Farm Bureau	$1312	$223
State Farm	$1670	$281
Allstate	$1782	$303
Bristol West	$2323	$387
Farmers	$3611	$614
Hastings Mutual	$806	$135

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Average Car Insurance in Gagetown 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 Gagetown, MI increasing?

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

Car Insurance Premiums by Age in Gagetown

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	$276
30s	USAA	$210
40s	USAA	$201
50s	USAA	$193
60s	Chubb	$176
70s	Chubb	$193

Cheapest Car Insurance Rates for Teen Drivers in Gagetown,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Gagetown at $41 per month. At $5739 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$242	$41
Westfield	$258	$44
Encompass	$282	$48
Chubb	$336	$57
Auto-Owners Insurance Co	$352	$58
Grange	$458	$78
USAA	$930	$156
Auto-Owners	$1112	$187
AAA	$1482	$249
Farm Bureau	$2134	$363
Progressive	$2288	$385
Allstate	$3858	$656
State Farm	$3958	$659
Farmers	$16560	$2816
Bristol West	$5739	$956

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 Gagetown.

As young drivers face the highest rates in Gagetown, Chubb offers the cheapest auto insurance rates at $276 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 Gagetown, Travelers is the cheapest car insurance provider. At $394 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 Gagetown is Farm Bureau Ins of MI, offering rates of around $1246 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$394	$67
Encompass	$406	$67
Progressive	$570	$97
Westfield	$600	$100
Auto-Owners Insurance Co	$636	$108
Pioneer State Mutual Ins Co	$776	$130
Grange	$982	$167
Farm Bureau Ins of MI	$1246	$208

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Gagetown

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

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

The cheapest car insurance companies after an at-fault accident in Gagetown include Chubb and Westfield, offering $300 and $318, respectively. Pioneer State is an expensive provider with an average six-month premium of $470.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$300	$51
Westfield	$318	$52
Auto-Owners Insurance Co	$370	$63
Encompass	$418	$69
Farm Bureau Ins of MI	$494	$84
Pioneer State Mutual Ins Co	$546	$91
Travelers	$582	$98
USAA	$730	$123
Progressive	$806	$136
Auto-Owners	$900	$151
AAA	$1152	$194
Farm Bureau	$1606	$267
State Farm	$1829	$311
Allstate	$2840	$473
Farmers	$5075	$863
Pioneer State	$470	$78

Gagetown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gagetown MI. For example, the car insurance in Gagetown after a DUI increases to $2376 for a six month policy. While the rate increases by $1294 for a six-month policy in the case of a speeding ticket.

Gagetown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1294	$216
Failure to wear a seat belt	$1535	$261
Cell phone violation	$1629	$271
Texting while driving	$1629	$277
Illegal turn	$1634	$272
Wrong way/wrong lane	$1634	$278
Speeding in school zone	$1658	$276
Driving with expired registration	$1670	$284
Failure to stop at a red light	$1688	$281
Improper passing	$1688	$287
Speeding 16 - 20 MPH over limit	$1876	$313
Open container	$2211	$376
Driving with a suspended license	$2476	$413
Racing	$3193	$543
Reckless driving	$3470	$578
Leaving scene of an accident/hit and run	$3558	$605
DUI	$3670	$612

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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 Gagetown 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 Gagetown.

The cheapest car insurance premiums in Gagetown are offered by Chubb at $300 for a six-month policy. However, it can be as expensive as $9267 with companies like Allstate.

Gagetown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$300	$50
Auto-Owners Insurance Co	$794	$135
Grange	$800	$134
Progressive	$852	$144
Pioneer State Mutual Ins Co	$964	$160
USAA	$1040	$175
Travelers	$1182	$197
Auto-Owners	$1788	$301
Westfield	$1946	$328
AAA	$2011	$339
Bristol West	$2752	$458
Farmers	$2822	$475
Farm Bureau	$3340	$556
State Farm	$4205	$708
Allstate	$9267	$1544

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 Gagetown are offered by Westfield at $258. However, it can be as expensive as $11697 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Gagetown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$258	$44
Chubb	$300	$50
Encompass	$318	$54
Travelers	$388	$64
Auto-Owners Insurance Co	$412	$70
Farm Bureau Ins of MI	$588	$98
USAA	$612	$104
Grange	$624	$104
Auto-Owners	$858	$146
Progressive	$1258	$212
AAA	$1276	$217
Farm Bureau	$1282	$214
Allstate	$2323	$395
State Farm	$3899	$649
Farmers	$11697	$1989

Car Insurance Price Trends in Gagetown, Michigan

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

The average cost of full coverage in the Gagetown dipped by $265 in December compared to $272 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 Gagetown rose to $88 in December, compared to $81 in November. This represents an increase of $7 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Gagetown?

The car insurance in Gagetown is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Gagetown?

The cheapest car insurance in Gagetown is $82 per month for full coverage.

How much is car insurance in Gagetown for teenagers?

Car insurance for teenagers costs $242 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 Gagetown?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $200 per month to insure your car in Gagetown.

Is car insurance expensive in Gagetown?

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

Cheapest Car Insurance Quotes in Gagetown

Why you can trust Way?

How Much Is Car Insurance in Gagetown

Avg. Car Insurance in Gagetown

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Gagetown

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Gagetown Car Insurance Rates by Company

Cheap Car Insurance Companies in Gagetown, MI

Way's key takeaways about car insurance in Gagetown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Gagetown

Cheapest Liability Coverage in Gagetown, MI

Cheapest Full Coverage Car Insurance in Gagetown

Cheapest Full Coverage Car Insurance Quotes in Gagetown, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Gagetown by Rating Factor

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

Car Insurance Premiums by Age in Gagetown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Gagetown,MI

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

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 Gagetown

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

Gagetown Car Insurance Rates by Violation

Gagetown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Gagetown after a DUI

Gagetown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Gagetown after Speeding ticket

Car Insurance Price Trends in Gagetown, Michigan

Average Car Insurance Cost in Gagetown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Gagetown, MI

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

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