Cheapest Car Insurance Quotes in Grosse Pointe Farms

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Grosse Pointe Farms Car Insurance

^$ 47

/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 Farms

The car insurance rate in Grosse Pointe Farms is $1612 for a six-month policy, which is $409 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $661, making it a popular choice for budget-conscious drivers. Rates in Grosse Pointe Farms 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 Farms

$1612

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Grosse Pointe Farms

1st place: Travelers

At $661 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $828 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $915 for six months, making it the third cheapest auto insurance company in Grosse Pointe Farms.

Grosse Pointe Farms Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Grosse Pointe Farms, MI is Travelers, offering policies at just $661 for a six-month term. This is followed by USAA, which has an average six-month premium of $828.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1091 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Grosse Pointe Farms drivers find the best deals.

Cheap Car Insurance Companies in Grosse Pointe Farms, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$661	$111
USAA	$828	$139
Encompass	$915	$153
Auto-Owners Insurance Co	$939	$159
Chubb	$988	$165
Auto-Owners	$1107	$186
AAA	$1130	$190
Farm Bureau Ins of MI	$1162	$197
Pioneer State Mutual Ins Co	$1265	$210
Progressive	$1265	$213
Westfield	$1576	$265
Farm Bureau	$1776	$302
State Farm	$2261	$381
Allstate	$2412	$410
Bristol West	$3144	$524
Farmers	$4887	$831
Hastings Mutual	$1091	$182

Key Takeaways

Way's key takeaways about car insurance in Grosse Pointe Farms

The auto insurance costs in Grosse Pointe Farms fall around $661 for six months.
The cheapest auto insurance company in Grosse Pointe Farms is Travelers.
Teen drivers pay the highest rate in Grosse Pointe Farms at $1294 per month.

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Cheapest Minimum Liability Car Insurance in Grosse Pointe Farms

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 Farms are given below.

Travelers provides the cheapest minimum car insurance coverage in Grosse Pointe Farms. Their Average 6 Month Premium is $279. Hastings Mutual is the most expensive at $477 for the same period.

Cheapest Liability Coverage in Grosse Pointe Farms, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$279	$47
Westfield	$295	$50
USAA	$374	$63
Encompass	$382	$64
Chubb	$406	$67
Auto-Owners Insurance Co	$438	$75
Auto-Owners	$517	$87
Farm Bureau Ins of MI	$565	$96
Progressive	$582	$98
AAA	$693	$118
Farm Bureau	$875	$146
Allstate	$1026	$174
Bristol West	$1313	$218
State Farm	$1408	$237
Farmers	$2539	$423
Hastings Mutual	$477	$79

Cheapest Full Coverage Car Insurance in Grosse Pointe Farms

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 Farms is Travelers at $111 per month and $661 for six months.

Cheapest Full Coverage Car Insurance Quotes in Grosse Pointe Farms, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$661	$111
USAA	$828	$139
Encompass	$915	$153
Auto-Owners Insurance Co	$939	$159
Chubb	$988	$165
Auto-Owners	$1107	$186
AAA	$1130	$190
Farm Bureau Ins of MI	$1162	$197
Pioneer State Mutual Ins Co	$1265	$210
Progressive	$1265	$213
Westfield	$1576	$265
Farm Bureau	$1776	$302
State Farm	$2261	$381
Allstate	$2412	$410
Bristol West	$3144	$524
Farmers	$4887	$831
Hastings Mutual	$1091	$182

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

Despite maintaining a clean driving record, your car insurance rates in Grosse Pointe Farms, 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 Farms'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 Farms

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	$374
30s	USAA	$284
40s	USAA	$272
50s	USAA	$261
60s	Chubb	$239
70s	Chubb	$261

Cheapest Car Insurance Rates for Teen Drivers in Grosse Pointe Farms,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 Farms at $55 per month. At $7768 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$327	$55
Westfield	$350	$59
Encompass	$382	$64
Chubb	$454	$78
Auto-Owners Insurance Co	$477	$79
Grange	$620	$106
USAA	$1258	$212
Auto-Owners	$1505	$253
AAA	$2006	$338
Farm Bureau	$2889	$492
Progressive	$3097	$521
Allstate	$5222	$888
State Farm	$5357	$892
Farmers	$22414	$3811
Bristol West	$7768	$1294

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 Grosse Pointe Farms.

As young drivers face the highest rates in Grosse Pointe Farms, Chubb offers the cheapest auto insurance rates at $374 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 Grosse Pointe Farms, Travelers is the cheapest car insurance provider. At $533 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 Farms is Farm Bureau Ins of MI, offering rates of around $1687 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$533	$91
Encompass	$549	$91
Progressive	$772	$131
Westfield	$812	$135
Auto-Owners Insurance Co	$860	$146
Pioneer State Mutual Ins Co	$1051	$176
Grange	$1329	$226
Farm Bureau Ins of MI	$1687	$281

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Car Insurance Rates with An Accident in Grosse Pointe Farms

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

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

The cheapest car insurance companies after an at-fault accident in Grosse Pointe Farms include Chubb and Westfield, offering $406 and $430, respectively. Pioneer State is an expensive provider with an average six-month premium of $637.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$406	$70
Westfield	$430	$71
Auto-Owners Insurance Co	$501	$86
Encompass	$565	$94
Farm Bureau Ins of MI	$669	$114
Pioneer State Mutual Ins Co	$740	$123
Travelers	$788	$133
USAA	$988	$166
Progressive	$1091	$184
Auto-Owners	$1218	$205
AAA	$1560	$263
Farm Bureau	$2173	$362
State Farm	$2475	$421
Allstate	$3844	$641
Farmers	$6869	$1168
Pioneer State	$637	$106

Grosse Pointe Farms Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Grosse Pointe Farms MI. For example, the car insurance in Grosse Pointe Farms after a DUI increases to $3216 for a six month policy. While the rate increases by $1751 for a six-month policy in the case of a speeding ticket.

Grosse Pointe Farms auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1751	$292
Failure to wear a seat belt	$2077	$354
Cell phone violation	$2204	$367
Texting while driving	$2204	$375
Illegal turn	$2212	$369
Wrong way/wrong lane	$2212	$377
Speeding in school zone	$2245	$374
Driving with expired registration	$2261	$385
Failure to stop at a red light	$2285	$381
Improper passing	$2285	$389
Speeding 16 - 20 MPH over limit	$2539	$423
Open container	$2992	$509
Driving with a suspended license	$3351	$559
Racing	$4322	$734
Reckless driving	$4697	$783
Leaving scene of an accident/hit and run	$4816	$819
DUI	$4967	$828

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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 Farms 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 Farms.

The cheapest car insurance premiums in Grosse Pointe Farms are offered by Chubb at $406 for a six-month policy. However, it can be as expensive as $12544 with companies like Allstate.

Grosse Pointe Farms car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$406	$67
Auto-Owners Insurance Co	$1075	$182
Grange	$1083	$181
Progressive	$1154	$194
Pioneer State Mutual Ins Co	$1305	$217
USAA	$1408	$237
Travelers	$1600	$267
Auto-Owners	$2420	$407
Westfield	$2634	$444
AAA	$2722	$458
Bristol West	$3725	$620
Farmers	$3820	$643
Farm Bureau	$4521	$753
State Farm	$5691	$958
Allstate	$12544	$2090

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 Farms are offered by Westfield at $350. However, it can be as expensive as $15832 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Grosse Pointe Farms after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$350	$59
Chubb	$406	$67
Encompass	$430	$74
Travelers	$525	$87
Auto-Owners Insurance Co	$557	$95
Farm Bureau Ins of MI	$796	$133
USAA	$828	$141
Grange	$844	$141
Auto-Owners	$1162	$197
Progressive	$1703	$287
AAA	$1727	$293
Farm Bureau	$1735	$289
Allstate	$3144	$535
State Farm	$5277	$879
Farmers	$15832	$2692

Car Insurance Price Trends in Grosse Pointe Farms, Michigan

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

The average cost of full coverage in the Grosse Pointe Farms dipped by $359 in December compared to $369 of November. In other words, there has been an decrease by $10 when you compare December and November.

The average cost of liability insurance in the Grosse Pointe Farms rose to $119 in December, compared to $110 in November. This represents an increase of $9 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Grosse Pointe Farms?

The car insurance in Grosse Pointe Farms is $47 per month, which is lower than the national average.

What is the cheapest car insurance in Grosse Pointe Farms?

The cheapest car insurance in Grosse Pointe Farms is $111 per month for full coverage.

How much is car insurance in Grosse Pointe Farms for teenagers?

Car insurance for teenagers costs $327 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 Farms?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $271 per month to insure your car in Grosse Pointe Farms.

Is car insurance expensive in Grosse Pointe Farms?

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

Cheapest Car Insurance Quotes in Grosse Pointe Farms

Why you can trust Way?

How Much Is Car Insurance in Grosse Pointe Farms

Avg. Car Insurance in Grosse Pointe Farms

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Grosse Pointe Farms

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Grosse Pointe Farms Car Insurance Rates by Company

Cheap Car Insurance Companies in Grosse Pointe Farms, MI

Way's key takeaways about car insurance in Grosse Pointe Farms

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Grosse Pointe Farms

Cheapest Liability Coverage in Grosse Pointe Farms, MI

Cheapest Full Coverage Car Insurance in Grosse Pointe Farms

Cheapest Full Coverage Car Insurance Quotes in Grosse Pointe Farms, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Grosse Pointe Farms by Rating Factor

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

Car Insurance Premiums by Age in Grosse Pointe Farms

Cheapest Car Insurance Companies Based on Age Group

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

If you are in your twenties Chubb is the best choice for car insurance in Grosse Pointe Farms.

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 Farms

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

Grosse Pointe Farms Car Insurance Rates by Violation

Grosse Pointe Farms auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Grosse Pointe Farms after a DUI

Grosse Pointe Farms car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Grosse Pointe Farms after Speeding ticket

Car Insurance Price Trends in Grosse Pointe Farms, Michigan

Average Car Insurance Cost in Grosse Pointe Farms by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Grosse Pointe Farms, MI

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

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