Cheapest Car Insurance Quotes in Hudsonville

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Hudsonville Car Insurance

^$ 30

/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 Hudsonville

The car insurance rate in Hudsonville is $1125 for a six-month policy, which is $199 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $419, making it a popular choice for budget-conscious drivers. Rates in Hudsonville 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 Hudsonville

$1125

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Hudsonville

1st place: Travelers

At $419 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $536 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $581 for six months, making it the third cheapest auto insurance company in Hudsonville.

Hudsonville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hudsonville, MI is Travelers, offering policies at just $419 for a six-month term. This is followed by USAA, which has an average six-month premium of $536.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $692 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hudsonville drivers find the best deals.

Cheap Car Insurance Companies in Hudsonville, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$419	$71
USAA	$536	$90
Encompass	$581	$99
Auto-Owners Insurance Co	$596	$99
Chubb	$626	$106
Farm Bureau Ins of MI	$737	$123
Auto-Owners	$773	$130
AAA	$778	$131
Pioneer State Mutual Ins Co	$802	$137
Progressive	$823	$139
Westfield	$1000	$168
Farm Bureau	$1429	$238
Pioneer State Mutual	$1556	$264
State Farm	$1661	$280
Frankenmuth	$1767	$301
Bristol West	$1994	$332
Allstate	$1530	$260
Farmers	$3100	$527
Hastings Mutual	$692	$116

Key Takeaways

Way's key takeaways about car insurance in Hudsonville

The auto insurance costs in Hudsonville fall around $419 for six months.
The cheapest auto insurance company in Hudsonville is Travelers.
Teen drivers pay the highest rate in Hudsonville at $821 per month.

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Cheapest Minimum Liability Car Insurance in Hudsonville

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 Hudsonville are given below.

Travelers provides the cheapest minimum car insurance coverage in Hudsonville. Their Average 6 Month Premium is $177. Farmers is the most expensive at $1611 for the same period.

Cheapest Liability Coverage in Hudsonville, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$177	$30
Westfield	$187	$31
USAA	$222	$37
Encompass	$242	$41
Chubb	$258	$44
Auto-Owners Insurance Co	$278	$46
Auto-Owners	$308	$52
Progressive	$349	$59
AAA	$354	$60
Farm Bureau Ins of MI	$359	$60
Farm Bureau	$450	$77
Pioneer State Mutual	$455	$76
Frankenmuth	$536	$91
State Farm	$828	$139
Bristol West	$833	$142
Allstate	$651	$111
Farmers	$1611	$269

Cheapest Full Coverage Car Insurance in Hudsonville

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 Hudsonville is Travelers at $71 per month and $419 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hudsonville, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$419	$71
USAA	$536	$90
Encompass	$581	$99
Auto-Owners Insurance Co	$596	$99
Chubb	$626	$106
Farm Bureau Ins of MI	$737	$123
Auto-Owners	$773	$130
AAA	$778	$131
Pioneer State Mutual Ins Co	$802	$137
Progressive	$823	$139
Westfield	$1000	$168
Farm Bureau	$1429	$238
Pioneer State Mutual	$1556	$264
State Farm	$1661	$280
Frankenmuth	$1767	$301
Bristol West	$1994	$332
Allstate	$1530	$260
Farmers	$3100	$527
Hastings Mutual	$692	$116

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Average Car Insurance in Hudsonville 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 Hudsonville, MI increasing?

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

Car Insurance Premiums by Age in Hudsonville

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 Hudsonville,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Hudsonville at $35 per month. At $4927 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$207	$35
Westfield	$222	$37
Encompass	$242	$41
Chubb	$288	$49
Auto-Owners Insurance Co	$303	$50
Grange	$394	$67
USAA	$853	$144
Auto-Owners	$1070	$180
AAA	$1389	$234
Progressive	$1959	$330
Farm Bureau	$2332	$388
Pioneer State Mutual	$2736	$465
Frankenmuth	$3261	$544
State Farm	$4585	$779
Allstate	$3312	$564
Farmers	$14218	$2417
Bristol West	$4927	$821

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 Hudsonville, Travelers is the cheapest car insurance provider. At $338 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 Hudsonville is Farm Bureau Ins of MI, offering rates of around $1070 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$338	$56
Encompass	$349	$60
Progressive	$490	$82
Westfield	$515	$88
Auto-Owners Insurance Co	$546	$91
Pioneer State Mutual Ins Co	$666	$113
Grange	$843	$140
Farm Bureau Ins of MI	$1070	$182

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Car Insurance Rates with An Accident in Hudsonville

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

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

The cheapest car insurance companies after an at-fault accident in Hudsonville include Chubb and Westfield, offering $258 and $273, respectively. Pioneer State is an expensive provider with an average six-month premium of $404.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$258	$44
Westfield	$273	$45
Auto-Owners Insurance Co	$318	$54
Encompass	$359	$60
Farm Bureau Ins of MI	$424	$72
Pioneer State Mutual Ins Co	$469	$78
Travelers	$500	$84
USAA	$651	$110
Progressive	$773	$130
Auto-Owners	$898	$151
AAA	$1070	$180
Farm Bureau	$1747	$292
Pioneer State Mutual	$1863	$317
State Farm	$2105	$351
Frankenmuth	$2272	$387
Allstate	$2439	$406
Farmers	$4357	$741
Pioneer State	$404	$67

Hudsonville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hudsonville MI. For example, the car insurance in Hudsonville after a DUI increases to $2040 for a six month policy. While the rate increases by $1111 for a six-month policy in the case of a speeding ticket.

Hudsonville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1111	$185
Failure to wear a seat belt	$1318	$224
Cell phone violation	$1398	$233
Texting while driving	$1398	$238
Illegal turn	$1403	$234
Wrong way/wrong lane	$1403	$239
Speeding in school zone	$1424	$237
Driving with expired registration	$1434	$244
Failure to stop at a red light	$1449	$241
Improper passing	$1449	$247
Speeding 16 - 20 MPH over limit	$1611	$269
Open container	$1898	$323
Driving with a suspended license	$2126	$354
Racing	$2741	$466
Reckless driving	$2979	$496
Leaving scene of an accident/hit and run	$3055	$519
DUI	$3151	$525

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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 Hudsonville 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 Hudsonville.

The cheapest car insurance premiums in Hudsonville are offered by Chubb at $258 for a six-month policy. However, it can be as expensive as $7957 with companies like Allstate.

Hudsonville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$258	$43
Auto-Owners Insurance Co	$682	$116
Grange	$687	$115
Farmers	$697	$118
Progressive	$768	$129
Pioneer State Mutual Ins Co	$828	$141
USAA	$919	$155
Travelers	$1015	$173
Auto-Owners	$1641	$276
Westfield	$1671	$281
AAA	$1843	$310
Bristol West	$2363	$402
Pioneer State Mutual	$2974	$496
Farm Bureau	$3499	$595
State Farm	$4327	$728
Frankenmuth	$7831	$1332
Allstate	$7957	$1326

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 Hudsonville are offered by Westfield at $222. However, it can be as expensive as $10043 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Hudsonville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$222	$37
Chubb	$258	$43
Encompass	$273	$47
Travelers	$333	$55
Auto-Owners Insurance Co	$354	$60
Farm Bureau Ins of MI	$505	$84
Grange	$536	$91
Auto-Owners	$672	$112
USAA	$687	$116
AAA	$869	$145
Farm Bureau	$898	$153
Pioneer State Mutual	$989	$165
Progressive	$1010	$170
Frankenmuth	$1616	$269
State Farm	$2938	$500
Allstate	$1994	$339
Farmers	$10043	$1708

Car Insurance Price Trends in Hudsonville, Michigan

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

The average cost of full coverage in the Hudsonville dipped by $179 in January compared to $228 of December. In other words, there has been an decrease by $49 when you compare January and December.

The average cost of liability insurance in the Hudsonville dipped to $63 in January, compared to $76 in December. This represents an decrease of $13 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Hudsonville?

The car insurance in Hudsonville is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Hudsonville?

The cheapest car insurance in Hudsonville is $71 per month for full coverage.

How much is car insurance in Hudsonville for teenagers?

Car insurance for teenagers costs $207 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 Hudsonville?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $190 per month to insure your car in Hudsonville.

Is car insurance expensive in Hudsonville?

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

Cheapest Car Insurance Quotes in Hudsonville

Why you can trust Way?

How Much Is Car Insurance in Hudsonville

Avg. Car Insurance in Hudsonville

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Hudsonville

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Hudsonville Car Insurance Rates by Company

Cheap Car Insurance Companies in Hudsonville, MI

Way's key takeaways about car insurance in Hudsonville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hudsonville

Cheapest Liability Coverage in Hudsonville, MI

Cheapest Full Coverage Car Insurance in Hudsonville

Cheapest Full Coverage Car Insurance Quotes in Hudsonville, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hudsonville by Rating Factor

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

Car Insurance Premiums by Age in Hudsonville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hudsonville,MI

If you are in your twenties N/A is the best choice for car insurance in Hudsonville.

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 Hudsonville

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

Hudsonville Car Insurance Rates by Violation

Hudsonville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hudsonville after a DUI

Hudsonville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hudsonville after Speeding ticket

Car Insurance Price Trends in Hudsonville, Michigan

Average Car Insurance Cost in Hudsonville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hudsonville, MI

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

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