Cheapest Car Insurance Quotes in Grosse Pointe Park

Finding the cheapest car insurance quotes in Grosse Pointe Park shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Grosse Pointe Park Car Insurance

^$ 52

/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 $1960 for a six-month policy, which is $636 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $730, 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

$1960

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Grosse Pointe Park

1st place: Travelers

At $730 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $932 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1011 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 $730 for a six-month term. This is followed by USAA, which has an average six-month premium of $932.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1205 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	$730	$123
USAA	$932	$157
Encompass	$1011	$172
Auto-Owners Insurance Co	$1037	$173
Chubb	$1091	$185
Farm Bureau Ins of MI	$1283	$215
Auto-Owners	$1345	$226
AAA	$1354	$228
Pioneer State Mutual Ins Co	$1397	$238
Progressive	$1433	$241
Westfield	$1740	$293
Farm Bureau	$2488	$414
Pioneer State Mutual	$2708	$460
State Farm	$2892	$487
Frankenmuth	$3077	$524
Bristol West	$3472	$579
Allstate	$2664	$453
Farmers	$5398	$918
Hastings Mutual	$1205	$201

Key Takeaways

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

The auto insurance costs in Grosse Pointe Park fall around $730 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 $1430 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

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 $308. Farmers is the most expensive at $2805 for the same period.

Cheapest Liability Coverage in Grosse Pointe Park, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$308	$52
Westfield	$326	$55
USAA	$386	$65
Encompass	$422	$71
Chubb	$448	$77
Auto-Owners Insurance Co	$484	$80
Auto-Owners	$536	$90
Progressive	$607	$102
AAA	$616	$105
Farm Bureau Ins of MI	$625	$104
Farm Bureau	$783	$133
Pioneer State Mutual	$792	$132
Frankenmuth	$932	$158
State Farm	$1442	$243
Bristol West	$1450	$247
Allstate	$1134	$192
Farmers	$2805	$468

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 $123 per month and $730 for six months.

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

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$730	$123
USAA	$932	$157
Encompass	$1011	$172
Auto-Owners Insurance Co	$1037	$173
Chubb	$1091	$185
Farm Bureau Ins of MI	$1283	$215
Auto-Owners	$1345	$226
AAA	$1354	$228
Pioneer State Mutual Ins Co	$1397	$238
Progressive	$1433	$241
Westfield	$1740	$293
Farm Bureau	$2488	$414
Pioneer State Mutual	$2708	$460
State Farm	$2892	$487
Frankenmuth	$3077	$524
Bristol West	$3472	$579
Allstate	$2664	$453
Farmers	$5398	$918
Hastings Mutual	$1205	$201

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Grosse Pointe Park Instantly!

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

undefined

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 $61 per month. At $8580 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$361	$61
Westfield	$386	$65
Encompass	$422	$71
Chubb	$502	$86
Auto-Owners Insurance Co	$527	$87
Grange	$685	$117
USAA	$1486	$250
Auto-Owners	$1863	$314
AAA	$2418	$407
Progressive	$3411	$574
Farm Bureau	$4061	$676
Pioneer State Mutual	$4764	$810
Frankenmuth	$5679	$947
State Farm	$7983	$1357
Allstate	$5768	$981
Farmers	$24756	$4209
Bristol West	$8580	$1430

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 Park, Travelers is the cheapest car insurance provider. At $589 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 $1863 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$589	$98
Encompass	$607	$104
Progressive	$852	$142
Westfield	$897	$152
Auto-Owners Insurance Co	$950	$158
Pioneer State Mutual Ins Co	$1160	$197
Grange	$1468	$244
Farm Bureau Ins of MI	$1863	$317

Escape the Trap of Rising Insurance Costs.

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

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 $448 and $475, respectively. Pioneer State is an expensive provider with an average six-month premium of $703.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$448	$77
Westfield	$475	$78
Auto-Owners Insurance Co	$554	$95
Encompass	$625	$104
Farm Bureau Ins of MI	$739	$126
Pioneer State Mutual Ins Co	$817	$136
Travelers	$870	$147
USAA	$1134	$191
Progressive	$1345	$226
Auto-Owners	$1564	$263
AAA	$1863	$314
Farm Bureau	$3041	$508
Pioneer State Mutual	$3244	$552
State Farm	$3666	$611
Frankenmuth	$3956	$673
Allstate	$4246	$707
Farmers	$7586	$1291
Pioneer State	$703	$117

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 $3552 for a six month policy. While the rate increases by $1934 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	$1934	$323
Failure to wear a seat belt	$2294	$391
Cell phone violation	$2435	$406
Texting while driving	$2435	$414
Illegal turn	$2443	$407
Wrong way/wrong lane	$2443	$416
Speeding in school zone	$2479	$413
Driving with expired registration	$2497	$425
Failure to stop at a red light	$2523	$420
Improper passing	$2523	$429
Speeding 16 - 20 MPH over limit	$2805	$468
Open container	$3305	$562
Driving with a suspended license	$3701	$617
Racing	$4773	$811
Reckless driving	$5187	$864
Leaving scene of an accident/hit and run	$5319	$904
DUI	$5486	$915

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 $448 for a six-month policy. However, it can be as expensive as $13854 with companies like Allstate.

Grosse Pointe Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$448	$74
Auto-Owners Insurance Co	$1187	$201
Grange	$1196	$200
Farmers	$1214	$206
Progressive	$1336	$225
Pioneer State Mutual Ins Co	$1442	$246
USAA	$1600	$269
Travelers	$1767	$300
Auto-Owners	$2858	$481
Westfield	$2910	$490
AAA	$3209	$540
Bristol West	$4114	$700
Pioneer State Mutual	$5179	$863
Farm Bureau	$6092	$1036
State Farm	$7535	$1268
Frankenmuth	$13635	$2319
Allstate	$13854	$2309

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 $386. However, it can be as expensive as $17486 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	$386	$65
Chubb	$448	$74
Encompass	$475	$81
Travelers	$580	$96
Auto-Owners Insurance Co	$616	$105
Farm Bureau Ins of MI	$879	$147
Grange	$932	$158
Auto-Owners	$1169	$195
USAA	$1196	$203
AAA	$1513	$252
Farm Bureau	$1564	$266
Pioneer State Mutual	$1723	$287
Progressive	$1758	$296
Frankenmuth	$2813	$469
State Farm	$5116	$870
Allstate	$3472	$591
Farmers	$17486	$2973

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 $311 in January compared to $397 of December. In other words, there has been an decrease by $86 when you compare January and December.

The average cost of liability insurance in the Grosse Pointe Park dipped to $110 in January, compared to $132 in December. This represents an decrease of $22 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Grosse Pointe Park?

The car insurance in Grosse Pointe Park is $52 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 $123 per month for full coverage.

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

Car insurance for teenagers costs $361 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 $1324 for a six-month policy. It will cost around $330 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 N/A 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)

Featured Blogs

Data Sources