Cheapest Car Insurance Quotes in Grosse Pointe Woods

Finding the cheapest car insurance quotes in Grosse Pointe Woods 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

399,755 Policies Sold

Grosse Pointe Woods 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 Woods

The car insurance rate in Grosse Pointe Woods is $1600 for a six-month policy, which is $397 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $656, making it a popular choice for budget-conscious drivers. Rates in Grosse Pointe Woods 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 Woods

$1600

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Grosse Pointe Woods

1st place: Travelers

At $656 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $822 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $908 for six months, making it the third cheapest auto insurance company in Grosse Pointe Woods.

Grosse Pointe Woods Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Grosse Pointe Woods, MI is Travelers, offering policies at just $656 for a six-month term. This is followed by USAA, which has an average six-month premium of $822.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1083 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Grosse Pointe Woods drivers find the best deals.

Cheap Car Insurance Companies in Grosse Pointe Woods, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$656	$110
USAA	$822	$138
Encompass	$908	$152
Auto-Owners Insurance Co	$932	$158
Chubb	$980	$164
Auto-Owners	$1099	$185
AAA	$1121	$189
Farm Bureau Ins of MI	$1153	$196
Pioneer State Mutual Ins Co	$1256	$209
Progressive	$1256	$211
Westfield	$1564	$263
Farm Bureau	$1762	$299
State Farm	$2244	$378
Allstate	$2394	$407
Bristol West	$3120	$520
Farmers	$4851	$825
Hastings Mutual	$1083	$181

Key Takeaways

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

The auto insurance costs in Grosse Pointe Woods fall around $656 for six months.
The cheapest auto insurance company in Grosse Pointe Woods is Travelers.
Teen drivers pay the highest rate in Grosse Pointe Woods at $1285 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 Woods

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 Woods are given below.

Travelers provides the cheapest minimum car insurance coverage in Grosse Pointe Woods. Their Average 6 Month Premium is $277. Hastings Mutual is the most expensive at $473 for the same period.

Cheapest Liability Coverage in Grosse Pointe Woods, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$277	$47
Westfield	$293	$49
USAA	$371	$63
Encompass	$379	$64
Chubb	$403	$67
Auto-Owners Insurance Co	$435	$74
Auto-Owners	$513	$86
Farm Bureau Ins of MI	$561	$96
Progressive	$577	$97
AAA	$688	$117
Farm Bureau	$868	$145
Allstate	$1019	$173
Bristol West	$1303	$217
State Farm	$1398	$235
Farmers	$2520	$420
Hastings Mutual	$473	$78

Cheapest Full Coverage Car Insurance in Grosse Pointe Woods

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 Woods is Travelers at $110 per month and $656 for six months.

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

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$656	$110
USAA	$822	$138
Encompass	$908	$152
Auto-Owners Insurance Co	$932	$158
Chubb	$980	$164
Auto-Owners	$1099	$185
AAA	$1121	$189
Farm Bureau Ins of MI	$1153	$196
Pioneer State Mutual Ins Co	$1256	$209
Progressive	$1256	$211
Westfield	$1564	$263
Farm Bureau	$1762	$299
State Farm	$2244	$378
Allstate	$2394	$407
Bristol West	$3120	$520
Farmers	$4851	$825
Hastings Mutual	$1083	$181

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Grosse Pointe Woods Instantly!

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

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

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	$371
30s	USAA	$282
40s	USAA	$270
50s	USAA	$259
60s	Chubb	$237
70s	Chubb	$259

Cheapest Car Insurance Rates for Teen Drivers in Grosse Pointe Woods,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 Woods at $55 per month. At $7710 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$325	$55
Westfield	$347	$59
Encompass	$379	$64
Chubb	$451	$77
Auto-Owners Insurance Co	$473	$78
Grange	$616	$105
USAA	$1249	$210
Auto-Owners	$1494	$251
AAA	$1991	$335
Farm Bureau	$2867	$488
Progressive	$3074	$517
Allstate	$5183	$882
State Farm	$5317	$886
Farmers	$22247	$3783
Bristol West	$7710	$1285

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 Woods.

As young drivers face the highest rates in Grosse Pointe Woods, Chubb offers the cheapest auto insurance rates at $371 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 Woods, Travelers is the cheapest car insurance provider. At $529 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 Woods is Farm Bureau Ins of MI, offering rates of around $1674 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$529	$90
Encompass	$545	$90
Progressive	$766	$130
Westfield	$806	$134
Auto-Owners Insurance Co	$854	$145
Pioneer State Mutual Ins Co	$1043	$174
Grange	$1319	$225
Farm Bureau Ins of MI	$1674	$279

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Grosse Pointe Woods

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

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

The cheapest car insurance companies after an at-fault accident in Grosse Pointe Woods include Chubb and Westfield, offering $403 and $427, respectively. Pioneer State is an expensive provider with an average six-month premium of $632.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$403	$69
Westfield	$427	$70
Auto-Owners Insurance Co	$497	$85
Encompass	$561	$93
Farm Bureau Ins of MI	$664	$113
Pioneer State Mutual Ins Co	$734	$122
Travelers	$782	$132
USAA	$980	$165
Progressive	$1083	$182
Auto-Owners	$1209	$203
AAA	$1548	$261
Farm Bureau	$2157	$359
State Farm	$2457	$418
Allstate	$3816	$636
Farmers	$6818	$1160
Pioneer State	$632	$105

Grosse Pointe Woods Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Grosse Pointe Woods MI. For example, the car insurance in Grosse Pointe Woods after a DUI increases to $3192 for a six month policy. While the rate increases by $1738 for a six-month policy in the case of a speeding ticket.

Grosse Pointe Woods auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1738	$290
Failure to wear a seat belt	$2062	$351
Cell phone violation	$2188	$364
Texting while driving	$2188	$372
Illegal turn	$2196	$366
Wrong way/wrong lane	$2196	$374
Speeding in school zone	$2228	$371
Driving with expired registration	$2244	$382
Failure to stop at a red light	$2268	$378
Improper passing	$2268	$386
Speeding 16 - 20 MPH over limit	$2520	$420
Open container	$2970	$505
Driving with a suspended license	$3326	$555
Racing	$4289	$729
Reckless driving	$4662	$777
Leaving scene of an accident/hit and run	$4780	$813
DUI	$4930	$822

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 Woods 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 Woods.

The cheapest car insurance premiums in Grosse Pointe Woods are offered by Chubb at $403 for a six-month policy. However, it can be as expensive as $12450 with companies like Allstate.

Grosse Pointe Woods car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$403	$67
Auto-Owners Insurance Co	$1067	$181
Grange	$1075	$180
Progressive	$1145	$193
Pioneer State Mutual Ins Co	$1295	$215
USAA	$1398	$235
Travelers	$1588	$265
Auto-Owners	$2402	$404
Westfield	$2615	$440
AAA	$2701	$455
Bristol West	$3697	$616
Farmers	$3792	$638
Farm Bureau	$4487	$747
State Farm	$5649	$951
Allstate	$12450	$2075

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 Woods are offered by Westfield at $347. However, it can be as expensive as $15714 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Grosse Pointe Woods after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$347	$59
Chubb	$403	$67
Encompass	$427	$73
Travelers	$521	$86
Auto-Owners Insurance Co	$553	$94
Farm Bureau Ins of MI	$790	$132
USAA	$822	$140
Grange	$838	$140
Auto-Owners	$1153	$196
Progressive	$1690	$285
AAA	$1714	$291
Farm Bureau	$1722	$287
Allstate	$3120	$531
State Farm	$5238	$872
Farmers	$15714	$2672

Car Insurance Price Trends in Grosse Pointe Woods, Michigan

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

The average cost of full coverage in the Grosse Pointe Woods dipped by $356 in December compared to $366 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 Woods rose to $118 in December, compared to $109 in November. This represents an increase of $9 when comparing December and November.

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 Woods?

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

What is the cheapest car insurance in Grosse Pointe Woods?

The cheapest car insurance in Grosse Pointe Woods is $110 per month for full coverage.

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

Car insurance for teenagers costs $325 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 Woods?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $269 per month to insure your car in Grosse Pointe Woods.

Is car insurance expensive in Grosse Pointe Woods?

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

Cheapest Car Insurance Quotes in Grosse Pointe Woods

Why you can trust Way?

How Much Is Car Insurance in Grosse Pointe Woods

Avg. Car Insurance in Grosse Pointe Woods

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Grosse Pointe Woods

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Grosse Pointe Woods Car Insurance Rates by Company

Cheap Car Insurance Companies in Grosse Pointe Woods, MI

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

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Grosse Pointe Woods

Cheapest Liability Coverage in Grosse Pointe Woods, MI

Cheapest Full Coverage Car Insurance in Grosse Pointe Woods

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

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Grosse Pointe Woods by Rating Factor

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

Car Insurance Premiums by Age in Grosse Pointe Woods

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Woods

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

Grosse Pointe Woods Car Insurance Rates by Violation

Grosse Pointe Woods auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Grosse Pointe Woods after a DUI

Grosse Pointe Woods car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Grosse Pointe Woods after Speeding ticket

Car Insurance Price Trends in Grosse Pointe Woods, Michigan

Average Car Insurance Cost in Grosse Pointe Woods by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

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

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

Featured Blogs

Data Sources