Cheapest Car Insurance Quotes in Grosse Pointe

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Grosse Pointe Car Insurance

^$ 50

/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 Grosse Pointe

The car insurance rate in Grosse Pointe is $1893 for a six-month policy, which is $569 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $705, making it a popular choice for budget-conscious drivers. Rates in Grosse Pointe 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 Grosse Pointe

$1893

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Grosse Pointe

1st place: Travelers

At $705 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $901 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $977 for six months, making it the third cheapest auto insurance company in Grosse Pointe.

Grosse Pointe Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Grosse Pointe, MI is Travelers, offering policies at just $705 for a six-month term. This is followed by USAA, which has an average six-month premium of $901.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1164 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Grosse Pointe drivers find the best deals.

Cheap Car Insurance Companies in Grosse Pointe, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$705	$119
USAA	$901	$152
Encompass	$977	$166
Auto-Owners Insurance Co	$1002	$167
Chubb	$1054	$179
Farm Bureau Ins of MI	$1240	$207
Auto-Owners	$1300	$219
AAA	$1308	$220
Pioneer State Mutual Ins Co	$1350	$230
Progressive	$1384	$233
Westfield	$1682	$283
Farm Bureau	$2404	$400
Pioneer State Mutual	$2617	$445
State Farm	$2794	$470
Frankenmuth	$2973	$506
Bristol West	$3355	$559
Allstate	$2574	$438
Farmers	$5215	$887
Hastings Mutual	$1164	$194

Key Takeaways

Way's key takeaways about car insurance in Grosse Pointe

The auto insurance costs in Grosse Pointe fall around $705 for six months.
The cheapest auto insurance company in Grosse Pointe is Travelers.
Teen drivers pay the highest rate in Grosse Pointe at $1381 per month.

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Cheapest Minimum Liability Car Insurance in Grosse Pointe

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 Grosse Pointe are given below.

Travelers provides the cheapest minimum car insurance coverage in Grosse Pointe. Their Average 6 Month Premium is $297. Farmers is the most expensive at $2710 for the same period.

Cheapest Liability Coverage in Grosse Pointe, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$297	$50
Westfield	$315	$53
USAA	$373	$63
Encompass	$408	$69
Chubb	$433	$74
Auto-Owners Insurance Co	$468	$77
Auto-Owners	$518	$87
Progressive	$586	$99
AAA	$595	$102
Farm Bureau Ins of MI	$603	$100
Farm Bureau	$756	$129
Pioneer State Mutual	$765	$127
Frankenmuth	$901	$153
State Farm	$1393	$235
Bristol West	$1401	$239
Allstate	$1095	$186
Farmers	$2710	$452

Cheapest Full Coverage Car Insurance in Grosse Pointe

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 Grosse Pointe is Travelers at $119 per month and $705 for six months.

Cheapest Full Coverage Car Insurance Quotes in Grosse Pointe, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$705	$119
USAA	$901	$152
Encompass	$977	$166
Auto-Owners Insurance Co	$1002	$167
Chubb	$1054	$179
Farm Bureau Ins of MI	$1240	$207
Auto-Owners	$1300	$219
AAA	$1308	$220
Pioneer State Mutual Ins Co	$1350	$230
Progressive	$1384	$233
Westfield	$1682	$283
Farm Bureau	$2404	$400
Pioneer State Mutual	$2617	$445
State Farm	$2794	$470
Frankenmuth	$2973	$506
Bristol West	$3355	$559
Allstate	$2574	$438
Farmers	$5215	$887
Hastings Mutual	$1164	$194

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Average Car Insurance in Grosse Pointe 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 Grosse Pointe, MI increasing?

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

Car Insurance Premiums by Age in Grosse Pointe

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 Grosse Pointe,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Grosse Pointe at $59 per month. At $8290 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$349	$59
Westfield	$373	$63
Encompass	$408	$69
Chubb	$485	$83
Auto-Owners Insurance Co	$509	$84
Grange	$662	$113
USAA	$1436	$242
Auto-Owners	$1800	$303
AAA	$2337	$393
Progressive	$3296	$555
Farm Bureau	$3924	$654
Pioneer State Mutual	$4603	$782
Frankenmuth	$5487	$915
State Farm	$7713	$1311
Allstate	$5573	$948
Farmers	$23920	$4067
Bristol West	$8290	$1381

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 Grosse Pointe, Travelers is the cheapest car insurance provider. At $569 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 Grosse Pointe is Farm Bureau Ins of MI, offering rates of around $1800 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$569	$94
Encompass	$586	$100
Progressive	$824	$137
Westfield	$867	$147
Auto-Owners Insurance Co	$918	$153
Pioneer State Mutual Ins Co	$1121	$190
Grange	$1419	$236
Farm Bureau Ins of MI	$1800	$306

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

Car Insurance Rates with An Accident in Grosse Pointe

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

Cheapest Car Insurance Companies after an At-Fault Accident in Grosse Pointe

The cheapest car insurance companies after an at-fault accident in Grosse Pointe include Chubb and Westfield, offering $433 and $459, respectively. Pioneer State is an expensive provider with an average six-month premium of $679.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$433	$74
Westfield	$459	$76
Auto-Owners Insurance Co	$535	$92
Encompass	$603	$100
Farm Bureau Ins of MI	$714	$122
Pioneer State Mutual Ins Co	$789	$132
Travelers	$841	$142
USAA	$1095	$184
Progressive	$1300	$219
Auto-Owners	$1512	$255
AAA	$1800	$303
Farm Bureau	$2939	$490
Pioneer State Mutual	$3135	$533
State Farm	$3542	$591
Frankenmuth	$3822	$651
Allstate	$4103	$684
Farmers	$7330	$1247
Pioneer State	$679	$113

Grosse Pointe Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Grosse Pointe MI. For example, the car insurance in Grosse Pointe after a DUI increases to $3432 for a six month policy. While the rate increases by $1869 for a six-month policy in the case of a speeding ticket.

Grosse Pointe auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1869	$312
Failure to wear a seat belt	$2217	$378
Cell phone violation	$2352	$392
Texting while driving	$2352	$400
Illegal turn	$2361	$393
Wrong way/wrong lane	$2361	$402
Speeding in school zone	$2395	$399
Driving with expired registration	$2412	$410
Failure to stop at a red light	$2438	$406
Improper passing	$2438	$415
Speeding 16 - 20 MPH over limit	$2710	$452
Open container	$3193	$543
Driving with a suspended license	$3576	$596
Racing	$4612	$784
Reckless driving	$5012	$835
Leaving scene of an accident/hit and run	$5139	$874
DUI	$5301	$884

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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 Grosse Pointe 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 Grosse Pointe.

The cheapest car insurance premiums in Grosse Pointe are offered by Chubb at $433 for a six-month policy. However, it can be as expensive as $13386 with companies like Allstate.

Grosse Pointe car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$433	$72
Auto-Owners Insurance Co	$1147	$194
Grange	$1155	$193
Farmers	$1173	$199
Progressive	$1291	$217
Pioneer State Mutual Ins Co	$1393	$237
USAA	$1546	$260
Travelers	$1707	$290
Auto-Owners	$2761	$465
Westfield	$2811	$473
AAA	$3100	$522
Bristol West	$3975	$676
Pioneer State Mutual	$5004	$834
Farm Bureau	$5886	$1001
State Farm	$7280	$1226
Frankenmuth	$13175	$2241
Allstate	$13386	$2231

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 Grosse Pointe are offered by Westfield at $373. However, it can be as expensive as $16895 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Grosse Pointe after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$373	$63
Chubb	$433	$72
Encompass	$459	$79
Travelers	$561	$93
Auto-Owners Insurance Co	$595	$102
Farm Bureau Ins of MI	$849	$142
Grange	$901	$153
Auto-Owners	$1130	$189
USAA	$1155	$196
AAA	$1461	$243
Farm Bureau	$1512	$257
Pioneer State Mutual	$1665	$277
Progressive	$1699	$286
Frankenmuth	$2718	$453
State Farm	$4944	$841
Allstate	$3355	$571
Farmers	$16895	$2873

Car Insurance Price Trends in Grosse Pointe, Michigan

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

The average cost of full coverage in the Grosse Pointe dipped by $300 in January compared to $383 of December. In other words, there has been an decrease by $83 when you compare January and December.

The average cost of liability insurance in the Grosse Pointe dipped to $106 in January, compared to $127 in December. This represents an decrease of $21 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Grosse Pointe?

The car insurance in Grosse Pointe is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Grosse Pointe?

The cheapest car insurance in Grosse Pointe is $119 per month for full coverage.

How much is car insurance in Grosse Pointe for teenagers?

Car insurance for teenagers costs $349 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 Grosse Pointe?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $319 per month to insure your car in Grosse Pointe.

Is car insurance expensive in Grosse Pointe?

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

Cheapest Car Insurance Quotes in Grosse Pointe

Why you can trust Way?

How Much Is Car Insurance in Grosse Pointe

Avg. Car Insurance in Grosse Pointe

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Grosse Pointe

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Grosse Pointe Car Insurance Rates by Company

Cheap Car Insurance Companies in Grosse Pointe, MI

Way's key takeaways about car insurance in Grosse Pointe

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Grosse Pointe

Cheapest Liability Coverage in Grosse Pointe, MI

Cheapest Full Coverage Car Insurance in Grosse Pointe

Cheapest Full Coverage Car Insurance Quotes in Grosse Pointe, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Grosse Pointe by Rating Factor

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

Car Insurance Premiums by Age in Grosse Pointe

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Grosse Pointe,MI

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

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 Grosse Pointe

Cheapest Car Insurance Companies after an At-Fault Accident in Grosse Pointe

Grosse Pointe Car Insurance Rates by Violation

Grosse Pointe auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Grosse Pointe after a DUI

Grosse Pointe car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Grosse Pointe after Speeding ticket

Car Insurance Price Trends in Grosse Pointe, Michigan

Average Car Insurance Cost in Grosse Pointe by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Grosse Pointe, MI

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

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