Cheapest Car Insurance Quotes in Highland Park

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Highland Park Car Insurance

^$ 123

/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 Highland Park

The car insurance rate in Highland Park is $4235 for a six-month policy, which is $3032 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1735, making it a popular choice for budget-conscious drivers. Rates in Highland 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 Highland Park

$4235

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Highland Park

1st place: Travelers

At $1735 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $2175 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $2404 for six months, making it the third cheapest auto insurance company in Highland Park.

Highland Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Highland Park, MI is Travelers, offering policies at just $1735 for a six-month term. This is followed by USAA, which has an average six-month premium of $2175.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $2865 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Highland Park drivers find the best deals.

Cheap Car Insurance Companies in Highland Park, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1735	$292
USAA	$2175	$366
Encompass	$2404	$401
Auto-Owners Insurance Co	$2468	$419
Chubb	$2594	$433
Auto-Owners	$2908	$489
AAA	$2967	$500
Farm Bureau Ins of MI	$3052	$517
Pioneer State Mutual Ins Co	$3323	$553
Progressive	$3323	$560
Westfield	$4140	$697
Farm Bureau	$4664	$792
State Farm	$5938	$1000
Allstate	$6336	$1077
Bristol West	$8258	$1376
Farmers	$12837	$2182
Hastings Mutual	$2865	$479

Key Takeaways

Way's key takeaways about car insurance in Highland Park

The auto insurance costs in Highland Park fall around $1735 for six months.
The cheapest auto insurance company in Highland Park is Travelers.
Teen drivers pay the highest rate in Highland Park at $3400 per month.

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Cheapest Minimum Liability Car Insurance in Highland 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 Highland Park are given below.

Travelers provides the cheapest minimum car insurance coverage in Highland Park. Their Average 6 Month Premium is $732. Hastings Mutual is the most expensive at $1253 for the same period.

Cheapest Liability Coverage in Highland Park, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$732	$123
Westfield	$774	$130
USAA	$982	$165
Encompass	$1003	$169
Chubb	$1067	$176
Auto-Owners Insurance Co	$1151	$197
Auto-Owners	$1359	$229
Farm Bureau Ins of MI	$1485	$253
Progressive	$1528	$257
AAA	$1820	$310
Farm Bureau	$2299	$384
Allstate	$2696	$458
Bristol West	$3450	$574
State Farm	$3700	$623
Farmers	$6670	$1112
Hastings Mutual	$1253	$208

Cheapest Full Coverage Car Insurance in Highland 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 Highland Park is Travelers at $292 per month and $1735 for six months.

Cheapest Full Coverage Car Insurance Quotes in Highland Park, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1735	$292
USAA	$2175	$366
Encompass	$2404	$401
Auto-Owners Insurance Co	$2468	$419
Chubb	$2594	$433
Auto-Owners	$2908	$489
AAA	$2967	$500
Farm Bureau Ins of MI	$3052	$517
Pioneer State Mutual Ins Co	$3323	$553
Progressive	$3323	$560
Westfield	$4140	$697
Farm Bureau	$4664	$792
State Farm	$5938	$1000
Allstate	$6336	$1077
Bristol West	$8258	$1376
Farmers	$12837	$2182
Hastings Mutual	$2865	$479

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Average Car Insurance in Highland 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 Highland Park, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Highland 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, Highland 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 Highland 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	$982
30s	USAA	$746
40s	USAA	$715
50s	USAA	$686
60s	Chubb	$627
70s	Chubb	$686

Cheapest Car Insurance Rates for Teen Drivers in Highland Park,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Highland Park at $144 per month. At $20405 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$859	$144
Westfield	$919	$155
Encompass	$1003	$169
Chubb	$1193	$204
Auto-Owners Insurance Co	$1253	$208
Grange	$1630	$278
USAA	$3305	$556
Auto-Owners	$3953	$665
AAA	$5269	$887
Farm Bureau	$7589	$1292
Progressive	$8135	$1369
Allstate	$13717	$2334
State Farm	$14073	$2344
Farmers	$58879	$10011
Bristol West	$20405	$3400

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 Highland Park.

As young drivers face the highest rates in Highland Park, Chubb offers the cheapest auto insurance rates at $982 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 Highland Park, Travelers is the cheapest car insurance provider. At $1401 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 Highland Park is Farm Bureau Ins of MI, offering rates of around $4432 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1401	$239
Encompass	$1443	$239
Progressive	$2028	$345
Westfield	$2133	$356
Auto-Owners Insurance Co	$2260	$384
Pioneer State Mutual Ins Co	$2760	$461
Grange	$3492	$595
Farm Bureau Ins of MI	$4432	$739

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

Car Insurance Rates with An Accident in Highland 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 Highland Park, MI, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Highland Park include Chubb and Westfield, offering $1067 and $1130, respectively. Pioneer State is an expensive provider with an average six-month premium of $1672.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1067	$183
Westfield	$1130	$187
Auto-Owners Insurance Co	$1316	$225
Encompass	$1485	$246
Farm Bureau Ins of MI	$1756	$299
Pioneer State Mutual Ins Co	$1943	$324
Travelers	$2070	$348
USAA	$2594	$436
Progressive	$2865	$482
Auto-Owners	$3200	$539
AAA	$4097	$690
Farm Bureau	$5709	$950
State Farm	$6501	$1105
Allstate	$10099	$1683
Farmers	$18044	$3069
Pioneer State	$1672	$278

Highland Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Highland Park MI. For example, the car insurance in Highland Park after a DUI increases to $8448 for a six month policy. While the rate increases by $4601 for a six-month policy in the case of a speeding ticket.

Highland Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$4601	$767
Failure to wear a seat belt	$5456	$929
Cell phone violation	$5790	$964
Texting while driving	$5790	$986
Illegal turn	$5812	$968
Wrong way/wrong lane	$5812	$989
Speeding in school zone	$5896	$982
Driving with expired registration	$5938	$1010
Failure to stop at a red light	$6002	$1000
Improper passing	$6002	$1021
Speeding 16 - 20 MPH over limit	$6670	$1112
Open container	$7860	$1338
Driving with a suspended license	$8804	$1468
Racing	$11352	$1929
Reckless driving	$12338	$2056
Leaving scene of an accident/hit and run	$12651	$2151
DUI	$13049	$2175

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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 Highland 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 Highland Park.

The cheapest car insurance premiums in Highland Park are offered by Chubb at $1067 for a six-month policy. However, it can be as expensive as $32951 with companies like Allstate.

Highland Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1067	$176
Auto-Owners Insurance Co	$2823	$479
Grange	$2844	$475
Progressive	$3031	$510
Pioneer State Mutual Ins Co	$3428	$570
USAA	$3700	$623
Travelers	$4203	$700
Auto-Owners	$6357	$1070
Westfield	$6920	$1165
AAA	$7149	$1204
Bristol West	$9786	$1630
Farmers	$10036	$1690
Farm Bureau	$11876	$1978
State Farm	$14949	$2517
Allstate	$32951	$5491

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 Highland Park are offered by Westfield at $919. However, it can be as expensive as $41589 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Highland Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$919	$155
Chubb	$1067	$176
Encompass	$1130	$194
Travelers	$1380	$229
Auto-Owners Insurance Co	$1464	$250
Farm Bureau Ins of MI	$2091	$348
USAA	$2175	$370
Grange	$2218	$370
Auto-Owners	$3052	$517
Progressive	$4474	$753
AAA	$4537	$771
Farm Bureau	$4558	$760
Allstate	$8258	$1404
State Farm	$13862	$2309
Farmers	$41589	$7072

Car Insurance Price Trends in Highland Park, Michigan

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

The average cost of full coverage in the Highland Park dipped by $943 in December compared to $968 of November. In other words, there has been an decrease by $25 when you compare December and November.

The average cost of liability insurance in the Highland Park rose to $313 in December, compared to $289 in November. This represents an increase of $24 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Highland Park?

The car insurance in Highland Park is $123 per month, which is higher than the national average.

What is the cheapest car insurance in Highland Park?

The cheapest car insurance in Highland Park is $292 per month for full coverage.

How much is car insurance in Highland Park for teenagers?

Car insurance for teenagers costs $859 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 Highland Park?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $711 per month to insure your car in Highland Park.

Is car insurance expensive in Highland Park?

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

Cheapest Car Insurance Quotes in Highland Park

Why you can trust Way?

How Much Is Car Insurance in Highland Park

Avg. Car Insurance in Highland Park

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Highland Park

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Highland Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Highland Park, MI

Way's key takeaways about car insurance in Highland Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Highland Park

Cheapest Liability Coverage in Highland Park, MI

Cheapest Full Coverage Car Insurance in Highland Park

Cheapest Full Coverage Car Insurance Quotes in Highland Park, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Highland Park by Rating Factor

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

Car Insurance Premiums by Age in Highland Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Highland Park,MI

If you are in your twenties Chubb is the best choice for car insurance in Highland 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 Highland Park

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

Highland Park Car Insurance Rates by Violation

Highland Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Highland Park after a DUI

Highland Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Highland Park after Speeding ticket

Car Insurance Price Trends in Highland Park, Michigan

Average Car Insurance Cost in Highland Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Highland Park, MI

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

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