Cheapest Car Insurance Quotes in Grosse Pointe Woods

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Grosse Pointe Woods Car Insurance

^$ 48

/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 $1801 for a six-month policy, which is $477 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $670, 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

$1801

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Grosse Pointe Woods

1st place: Travelers

At $670 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $857 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $929 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 $670 for a six-month term. This is followed by USAA, which has an average six-month premium of $857.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1107 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	$670	$113
USAA	$857	$144
Encompass	$929	$158
Auto-Owners Insurance Co	$953	$159
Chubb	$1002	$170
Farm Bureau Ins of MI	$1179	$197
Auto-Owners	$1236	$208
AAA	$1244	$209
Pioneer State Mutual Ins Co	$1284	$219
Progressive	$1316	$222
Westfield	$1599	$269
Farm Bureau	$2286	$381
Pioneer State Mutual	$2489	$423
State Farm	$2657	$447
Frankenmuth	$2827	$481
Bristol West	$3191	$532
Allstate	$2448	$416
Farmers	$4960	$843
Hastings Mutual	$1107	$185

Key Takeaways

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

The auto insurance costs in Grosse Pointe Woods fall around $670 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 $1314 per month.

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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 $283. Farmers is the most expensive at $2577 for the same period.

Cheapest Liability Coverage in Grosse Pointe Woods, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$283	$48
Westfield	$299	$50
USAA	$355	$60
Encompass	$388	$65
Chubb	$412	$71
Auto-Owners Insurance Co	$445	$73
Auto-Owners	$492	$83
Progressive	$558	$94
AAA	$566	$97
Farm Bureau Ins of MI	$574	$95
Farm Bureau	$719	$122
Pioneer State Mutual	$728	$121
Frankenmuth	$857	$146
State Farm	$1325	$223
Bristol West	$1333	$227
Allstate	$1042	$177
Farmers	$2577	$430

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 $113 per month and $670 for six months.

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

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$670	$113
USAA	$857	$144
Encompass	$929	$158
Auto-Owners Insurance Co	$953	$159
Chubb	$1002	$170
Farm Bureau Ins of MI	$1179	$197
Auto-Owners	$1236	$208
AAA	$1244	$209
Pioneer State Mutual Ins Co	$1284	$219
Progressive	$1316	$222
Westfield	$1599	$269
Farm Bureau	$2286	$381
Pioneer State Mutual	$2489	$423
State Farm	$2657	$447
Frankenmuth	$2827	$481
Bristol West	$3191	$532
Allstate	$2448	$416
Farmers	$4960	$843
Hastings Mutual	$1107	$185

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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

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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 $56 per month. At $7884 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$332	$56
Westfield	$355	$60
Encompass	$388	$65
Chubb	$461	$79
Auto-Owners Insurance Co	$484	$80
Grange	$630	$107
USAA	$1365	$230
Auto-Owners	$1712	$288
AAA	$2222	$374
Progressive	$3135	$528
Farm Bureau	$3732	$622
Pioneer State Mutual	$4378	$744
Frankenmuth	$5218	$870
State Farm	$7336	$1247
Allstate	$5300	$902
Farmers	$22749	$3868
Bristol West	$7884	$1314

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 Woods, Travelers is the cheapest car insurance provider. At $541 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 $1712 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$541	$90
Encompass	$558	$95
Progressive	$783	$131
Westfield	$824	$140
Auto-Owners Insurance Co	$873	$146
Pioneer State Mutual Ins Co	$1066	$181
Grange	$1349	$224
Farm Bureau Ins of MI	$1712	$291

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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 $412 and $437, respectively. Pioneer State is an expensive provider with an average six-month premium of $646.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$412	$71
Westfield	$437	$72
Auto-Owners Insurance Co	$509	$87
Encompass	$574	$95
Farm Bureau Ins of MI	$679	$116
Pioneer State Mutual Ins Co	$751	$125
Travelers	$800	$135
USAA	$1042	$175
Progressive	$1236	$208
Auto-Owners	$1438	$242
AAA	$1712	$288
Farm Bureau	$2795	$466
Pioneer State Mutual	$2981	$507
State Farm	$3369	$562
Frankenmuth	$3635	$619
Allstate	$3902	$650
Farmers	$6971	$1186
Pioneer State	$646	$107

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 $3264 for a six month policy. While the rate increases by $1778 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	$1778	$296
Failure to wear a seat belt	$2108	$359
Cell phone violation	$2237	$373
Texting while driving	$2237	$381
Illegal turn	$2245	$374
Wrong way/wrong lane	$2245	$382
Speeding in school zone	$2278	$379
Driving with expired registration	$2294	$390
Failure to stop at a red light	$2319	$386
Improper passing	$2319	$394
Speeding 16 - 20 MPH over limit	$2577	$430
Open container	$3037	$517
Driving with a suspended license	$3401	$567
Racing	$4386	$745
Reckless driving	$4767	$794
Leaving scene of an accident/hit and run	$4888	$831
DUI	$5042	$840

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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 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 $412 for a six-month policy. However, it can be as expensive as $12731 with companies like Allstate.

Grosse Pointe Woods car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$412	$68
Auto-Owners Insurance Co	$1091	$185
Grange	$1099	$184
Farmers	$1115	$189
Progressive	$1228	$207
Pioneer State Mutual Ins Co	$1325	$226
USAA	$1470	$248
Travelers	$1624	$276
Auto-Owners	$2626	$442
Westfield	$2674	$450
AAA	$2948	$496
Bristol West	$3781	$643
Pioneer State Mutual	$4759	$793
Farm Bureau	$5598	$952
State Farm	$6924	$1166
Frankenmuth	$12530	$2131
Allstate	$12731	$2122

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 $355. However, it can be as expensive as $16068 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	$355	$60
Chubb	$412	$68
Encompass	$437	$75
Travelers	$533	$88
Auto-Owners Insurance Co	$566	$97
Farm Bureau Ins of MI	$808	$135
Grange	$857	$146
Auto-Owners	$1074	$180
USAA	$1099	$186
AAA	$1390	$231
Farm Bureau	$1438	$245
Pioneer State Mutual	$1583	$264
Progressive	$1616	$272
Frankenmuth	$2585	$431
State Farm	$4702	$800
Allstate	$3191	$543
Farmers	$16068	$2732

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 $286 in January compared to $364 of December. In other words, there has been an decrease by $78 when you compare January and December.

The average cost of liability insurance in the Grosse Pointe Woods dipped to $101 in January, compared to $121 in December. This represents an decrease of $20 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Grosse Pointe Woods?

The car insurance in Grosse Pointe Woods is $48 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 $113 per month for full coverage.

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

Car insurance for teenagers costs $332 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 $1324 for a six-month policy. It will cost around $303 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 N/A 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)

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