Cheapest Car Insurance Quotes in Hamtramck

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Hamtramck Car Insurance

^$ 126

/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 Hamtramck

The car insurance rate in Hamtramck is $4343 for a six-month policy, which is $3140 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1780, making it a popular choice for budget-conscious drivers. Rates in Hamtramck 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 Hamtramck

$4343

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Hamtramck

1st place: Travelers

At $1780 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $2231 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $2466 for six months, making it the third cheapest auto insurance company in Hamtramck.

Hamtramck Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hamtramck, MI is Travelers, offering policies at just $1780 for a six-month term. This is followed by USAA, which has an average six-month premium of $2231.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $2939 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hamtramck drivers find the best deals.

Cheap Car Insurance Companies in Hamtramck, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1780	$300
USAA	$2231	$375
Encompass	$2466	$412
Auto-Owners Insurance Co	$2531	$430
Chubb	$2661	$444
Auto-Owners	$2982	$502
AAA	$3043	$513
Farm Bureau Ins of MI	$3130	$531
Pioneer State Mutual Ins Co	$3408	$567
Progressive	$3408	$574
Westfield	$4245	$715
Farm Bureau	$4783	$812
State Farm	$6090	$1025
Allstate	$6498	$1105
Bristol West	$8469	$1412
Farmers	$13166	$2238
Hastings Mutual	$2939	$491

Key Takeaways

Way's key takeaways about car insurance in Hamtramck

The auto insurance costs in Hamtramck fall around $1780 for six months.
The cheapest auto insurance company in Hamtramck is Travelers.
Teen drivers pay the highest rate in Hamtramck at $3487 per month.

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Cheapest Minimum Liability Car Insurance in Hamtramck

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 Hamtramck are given below.

Travelers provides the cheapest minimum car insurance coverage in Hamtramck. Their Average 6 Month Premium is $751. Hastings Mutual is the most expensive at $1285 for the same period.

Cheapest Liability Coverage in Hamtramck, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$751	$126
Westfield	$794	$134
USAA	$1007	$170
Encompass	$1029	$173
Chubb	$1094	$181
Auto-Owners Insurance Co	$1180	$202
Auto-Owners	$1393	$235
Farm Bureau Ins of MI	$1523	$260
Progressive	$1567	$264
AAA	$1866	$318
Farm Bureau	$2357	$393
Allstate	$2765	$469
Bristol West	$3538	$588
State Farm	$3794	$639
Farmers	$6841	$1141
Hastings Mutual	$1285	$213

Cheapest Full Coverage Car Insurance in Hamtramck

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 Hamtramck is Travelers at $300 per month and $1780 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hamtramck, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1780	$300
USAA	$2231	$375
Encompass	$2466	$412
Auto-Owners Insurance Co	$2531	$430
Chubb	$2661	$444
Auto-Owners	$2982	$502
AAA	$3043	$513
Farm Bureau Ins of MI	$3130	$531
Pioneer State Mutual Ins Co	$3408	$567
Progressive	$3408	$574
Westfield	$4245	$715
Farm Bureau	$4783	$812
State Farm	$6090	$1025
Allstate	$6498	$1105
Bristol West	$8469	$1412
Farmers	$13166	$2238
Hastings Mutual	$2939	$491

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Average Car Insurance in Hamtramck 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 Hamtramck, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Hamtramck, 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, Hamtramck's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Hamtramck

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	$1007
30s	USAA	$765
40s	USAA	$733
50s	USAA	$704
60s	Chubb	$643
70s	Chubb	$704

Cheapest Car Insurance Rates for Teen Drivers in Hamtramck,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Hamtramck at $148 per month. At $20927 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$881	$148
Westfield	$942	$159
Encompass	$1029	$173
Chubb	$1224	$209
Auto-Owners Insurance Co	$1285	$213
Grange	$1671	$285
USAA	$3390	$570
Auto-Owners	$4054	$682
AAA	$5404	$910
Farm Bureau	$7783	$1325
Progressive	$8343	$1404
Allstate	$14068	$2393
State Farm	$14433	$2404
Farmers	$60384	$10267
Bristol West	$20927	$3487

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 Hamtramck.

As young drivers face the highest rates in Hamtramck, Chubb offers the cheapest auto insurance rates at $1007 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 Hamtramck, Travelers is the cheapest car insurance provider. At $1437 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 Hamtramck is Farm Bureau Ins of MI, offering rates of around $4545 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1437	$245
Encompass	$1480	$245
Progressive	$2079	$354
Westfield	$2188	$365
Auto-Owners Insurance Co	$2318	$393
Pioneer State Mutual Ins Co	$2830	$473
Grange	$3581	$610
Farm Bureau Ins of MI	$4545	$758

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Car Insurance Rates with An Accident in Hamtramck

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

Cheapest Car Insurance Companies after an At-Fault Accident in Hamtramck

The cheapest car insurance companies after an at-fault accident in Hamtramck include Chubb and Westfield, offering $1094 and $1159, respectively. Pioneer State is an expensive provider with an average six-month premium of $1715.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1094	$188
Westfield	$1159	$191
Auto-Owners Insurance Co	$1350	$231
Encompass	$1523	$253
Farm Bureau Ins of MI	$1801	$307
Pioneer State Mutual Ins Co	$1993	$332
Travelers	$2123	$357
USAA	$2661	$448
Progressive	$2939	$495
Auto-Owners	$3281	$552
AAA	$4202	$708
Farm Bureau	$5855	$975
State Farm	$6668	$1134
Allstate	$10357	$1726
Farmers	$18505	$3148
Pioneer State	$1715	$285

Hamtramck Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hamtramck MI. For example, the car insurance in Hamtramck after a DUI increases to $8664 for a six month policy. While the rate increases by $4718 for a six-month policy in the case of a speeding ticket.

Hamtramck auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$4718	$787
Failure to wear a seat belt	$5596	$953
Cell phone violation	$5938	$989
Texting while driving	$5938	$1011
Illegal turn	$5960	$993
Wrong way/wrong lane	$5960	$1014
Speeding in school zone	$6047	$1007
Driving with expired registration	$6090	$1036
Failure to stop at a red light	$6155	$1025
Improper passing	$6155	$1047
Speeding 16 - 20 MPH over limit	$6841	$1141
Open container	$8061	$1372
Driving with a suspended license	$9029	$1505
Racing	$11642	$1978
Reckless driving	$12653	$2108
Leaving scene of an accident/hit and run	$12974	$2206
DUI	$13382	$2231

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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 Hamtramck 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 Hamtramck.

The cheapest car insurance premiums in Hamtramck are offered by Chubb at $1094 for a six-month policy. However, it can be as expensive as $33793 with companies like Allstate.

Hamtramck car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1094	$181
Auto-Owners Insurance Co	$2895	$491
Grange	$2917	$487
Progressive	$3108	$523
Pioneer State Mutual Ins Co	$3516	$585
USAA	$3794	$639
Travelers	$4310	$718
Auto-Owners	$6520	$1097
Westfield	$7097	$1195
AAA	$7332	$1235
Bristol West	$10036	$1671
Farmers	$10292	$1733
Farm Bureau	$12180	$2029
State Farm	$15332	$2581
Allstate	$33793	$5632

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 Hamtramck are offered by Westfield at $942. However, it can be as expensive as $42652 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Hamtramck after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$942	$159
Chubb	$1094	$181
Encompass	$1159	$199
Travelers	$1415	$235
Auto-Owners Insurance Co	$1502	$256
Farm Bureau Ins of MI	$2144	$357
USAA	$2231	$379
Grange	$2274	$379
Auto-Owners	$3130	$531
Progressive	$4588	$773
AAA	$4653	$791
Farm Bureau	$4675	$780
Allstate	$8469	$1440
State Farm	$14216	$2368
Farmers	$42652	$7252

Car Insurance Price Trends in Hamtramck, Michigan

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

The average cost of full coverage in the Hamtramck dipped by $967 in December compared to $993 of November. In other words, there has been an decrease by $26 when you compare December and November.

The average cost of liability insurance in the Hamtramck rose to $321 in December, compared to $296 in November. This represents an increase of $25 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Hamtramck?

The car insurance in Hamtramck is $126 per month, which is higher than the national average.

What is the cheapest car insurance in Hamtramck?

The cheapest car insurance in Hamtramck is $300 per month for full coverage.

How much is car insurance in Hamtramck for teenagers?

Car insurance for teenagers costs $881 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 Hamtramck?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $729 per month to insure your car in Hamtramck.

Is car insurance expensive in Hamtramck?

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

Cheapest Car Insurance Quotes in Hamtramck

Why you can trust Way?

How Much Is Car Insurance in Hamtramck

Avg. Car Insurance in Hamtramck

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Hamtramck

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Hamtramck Car Insurance Rates by Company

Cheap Car Insurance Companies in Hamtramck, MI

Way's key takeaways about car insurance in Hamtramck

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hamtramck

Cheapest Liability Coverage in Hamtramck, MI

Cheapest Full Coverage Car Insurance in Hamtramck

Cheapest Full Coverage Car Insurance Quotes in Hamtramck, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hamtramck by Rating Factor

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

Car Insurance Premiums by Age in Hamtramck

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hamtramck,MI

If you are in your twenties Chubb is the best choice for car insurance in Hamtramck.

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 Hamtramck

Cheapest Car Insurance Companies after an At-Fault Accident in Hamtramck

Hamtramck Car Insurance Rates by Violation

Hamtramck auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hamtramck after a DUI

Hamtramck car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hamtramck after Speeding ticket

Car Insurance Price Trends in Hamtramck, Michigan

Average Car Insurance Cost in Hamtramck by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hamtramck, MI

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

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