Cheapest Car Insurance Quotes in Grosse Pointe Park

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Grosse Pointe Park 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 Park

The car insurance rate in Grosse Pointe Park is $1732 for a six-month policy, which is $529 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $710, making it a popular choice for budget-conscious drivers. Rates in Grosse Pointe Park 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 Park

$1732

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Grosse Pointe Park

1st place: Travelers

At $710 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $890 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $984 for six months, making it the third cheapest auto insurance company in Grosse Pointe Park.

Grosse Pointe Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Grosse Pointe Park, MI is Travelers, offering policies at just $710 for a six-month term. This is followed by USAA, which has an average six-month premium of $890.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1172 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Grosse Pointe Park drivers find the best deals.

Cheap Car Insurance Companies in Grosse Pointe Park, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$710	$120
USAA	$890	$150
Encompass	$984	$164
Auto-Owners Insurance Co	$1009	$171
Chubb	$1061	$177
Auto-Owners	$1189	$200
AAA	$1214	$204
Farm Bureau Ins of MI	$1248	$212
Pioneer State Mutual Ins Co	$1359	$226
Progressive	$1359	$229
Westfield	$1693	$285
Farm Bureau	$1908	$324
State Farm	$2429	$409
Allstate	$2592	$441
Bristol West	$3378	$563
Farmers	$5252	$893
Hastings Mutual	$1172	$196

Key Takeaways

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

The auto insurance costs in Grosse Pointe Park fall around $710 for six months.
The cheapest auto insurance company in Grosse Pointe Park is Travelers.
Teen drivers pay the highest rate in Grosse Pointe Park at $1391 per month.

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Cheapest Minimum Liability Car Insurance in Grosse Pointe Park

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 Park are given below.

Travelers provides the cheapest minimum car insurance coverage in Grosse Pointe Park. Their Average 6 Month Premium is $300. Hastings Mutual is the most expensive at $513 for the same period.

Cheapest Liability Coverage in Grosse Pointe Park, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$300	$50
Westfield	$317	$53
USAA	$402	$68
Encompass	$410	$69
Chubb	$436	$72
Auto-Owners Insurance Co	$471	$81
Auto-Owners	$556	$94
Farm Bureau Ins of MI	$608	$104
Progressive	$625	$105
AAA	$744	$127
Farm Bureau	$940	$157
Allstate	$1103	$187
Bristol West	$1411	$235
State Farm	$1513	$255
Farmers	$2729	$455
Hastings Mutual	$513	$85

Cheapest Full Coverage Car Insurance in Grosse Pointe Park

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 Park is Travelers at $120 per month and $710 for six months.

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

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$710	$120
USAA	$890	$150
Encompass	$984	$164
Auto-Owners Insurance Co	$1009	$171
Chubb	$1061	$177
Auto-Owners	$1189	$200
AAA	$1214	$204
Farm Bureau Ins of MI	$1248	$212
Pioneer State Mutual Ins Co	$1359	$226
Progressive	$1359	$229
Westfield	$1693	$285
Farm Bureau	$1908	$324
State Farm	$2429	$409
Allstate	$2592	$441
Bristol West	$3378	$563
Farmers	$5252	$893
Hastings Mutual	$1172	$196

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

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

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	$402
30s	USAA	$305
40s	USAA	$292
50s	USAA	$281
60s	Chubb	$256
70s	Chubb	$281

Cheapest Car Insurance Rates for Teen Drivers in Grosse Pointe Park,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 Park at $59 per month. At $8348 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$351	$59
Westfield	$376	$63
Encompass	$410	$69
Chubb	$488	$84
Auto-Owners Insurance Co	$513	$85
Grange	$667	$114
USAA	$1352	$228
Auto-Owners	$1617	$272
AAA	$2156	$363
Farm Bureau	$3105	$528
Progressive	$3328	$560
Allstate	$5612	$955
State Farm	$5757	$959
Farmers	$24087	$4095
Bristol West	$8348	$1391

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 Park.

As young drivers face the highest rates in Grosse Pointe Park, Chubb offers the cheapest auto insurance rates at $402 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 Park, Travelers is the cheapest car insurance provider. At $573 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 Park is Farm Bureau Ins of MI, offering rates of around $1813 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$573	$98
Encompass	$590	$98
Progressive	$829	$141
Westfield	$873	$145
Auto-Owners Insurance Co	$924	$157
Pioneer State Mutual Ins Co	$1129	$189
Grange	$1428	$243
Farm Bureau Ins of MI	$1813	$302

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Car Insurance Rates with An Accident in Grosse Pointe Park

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

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

The cheapest car insurance companies after an at-fault accident in Grosse Pointe Park include Chubb and Westfield, offering $436 and $462, respectively. Pioneer State is an expensive provider with an average six-month premium of $684.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$436	$75
Westfield	$462	$76
Auto-Owners Insurance Co	$539	$92
Encompass	$608	$101
Farm Bureau Ins of MI	$719	$122
Pioneer State Mutual Ins Co	$795	$132
Travelers	$847	$143
USAA	$1061	$179
Progressive	$1172	$197
Auto-Owners	$1309	$220
AAA	$1676	$282
Farm Bureau	$2336	$389
State Farm	$2660	$452
Allstate	$4131	$688
Farmers	$7381	$1256
Pioneer State	$684	$114

Grosse Pointe Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Grosse Pointe Park MI. For example, the car insurance in Grosse Pointe Park after a DUI increases to $3456 for a six month policy. While the rate increases by $1882 for a six-month policy in the case of a speeding ticket.

Grosse Pointe Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1882	$314
Failure to wear a seat belt	$2232	$380
Cell phone violation	$2369	$395
Texting while driving	$2369	$403
Illegal turn	$2377	$396
Wrong way/wrong lane	$2377	$405
Speeding in school zone	$2412	$402
Driving with expired registration	$2429	$413
Failure to stop at a red light	$2455	$409
Improper passing	$2455	$418
Speeding 16 - 20 MPH over limit	$2729	$455
Open container	$3216	$547
Driving with a suspended license	$3601	$600
Racing	$4644	$789
Reckless driving	$5047	$841
Leaving scene of an accident/hit and run	$5175	$880
DUI	$5338	$890

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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 Park 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 Park.

The cheapest car insurance premiums in Grosse Pointe Park are offered by Chubb at $436 for a six-month policy. However, it can be as expensive as $13480 with companies like Allstate.

Grosse Pointe Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$436	$72
Auto-Owners Insurance Co	$1155	$196
Grange	$1164	$194
Progressive	$1240	$209
Pioneer State Mutual Ins Co	$1403	$233
USAA	$1513	$255
Travelers	$1719	$287
Auto-Owners	$2601	$438
Westfield	$2831	$477
AAA	$2925	$492
Bristol West	$4003	$667
Farmers	$4105	$691
Farm Bureau	$4859	$809
State Farm	$6116	$1030
Allstate	$13480	$2246

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 Park are offered by Westfield at $376. However, it can be as expensive as $17014 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Grosse Pointe Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$376	$63
Chubb	$436	$72
Encompass	$462	$79
Travelers	$564	$94
Auto-Owners Insurance Co	$599	$102
Farm Bureau Ins of MI	$855	$143
USAA	$890	$151
Grange	$907	$151
Auto-Owners	$1248	$212
Progressive	$1830	$308
AAA	$1856	$315
Farm Bureau	$1865	$311
Allstate	$3378	$575
State Farm	$5671	$945
Farmers	$17014	$2893

Car Insurance Price Trends in Grosse Pointe Park, Michigan

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

The average cost of full coverage in the Grosse Pointe Park dipped by $386 in December compared to $396 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 Park rose to $128 in December, compared to $118 in November. This represents an increase of $10 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Grosse Pointe Park?

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

What is the cheapest car insurance in Grosse Pointe Park?

The cheapest car insurance in Grosse Pointe Park is $120 per month for full coverage.

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

Car insurance for teenagers costs $351 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 Park?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $291 per month to insure your car in Grosse Pointe Park.

Is car insurance expensive in Grosse Pointe Park?

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

Cheapest Car Insurance Quotes in Grosse Pointe Park

Why you can trust Way?

How Much Is Car Insurance in Grosse Pointe Park

Avg. Car Insurance in Grosse Pointe Park

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Grosse Pointe Park

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Grosse Pointe Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Grosse Pointe Park, MI

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

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Grosse Pointe Park

Cheapest Liability Coverage in Grosse Pointe Park, MI

Cheapest Full Coverage Car Insurance in Grosse Pointe Park

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

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Grosse Pointe Park by Rating Factor

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

Car Insurance Premiums by Age in Grosse Pointe Park

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Park

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

Grosse Pointe Park Car Insurance Rates by Violation

Grosse Pointe Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Grosse Pointe Park after a DUI

Grosse Pointe Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Grosse Pointe Park after Speeding ticket

Car Insurance Price Trends in Grosse Pointe Park, Michigan

Average Car Insurance Cost in Grosse Pointe Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

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

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

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