Cheapest Car Insurance Quotes in Inkster

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Inkster Car Insurance

^$ 57

/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 Inkster

The car insurance rate in Inkster is $2158 for a six-month policy, which is $834 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $804, making it a popular choice for budget-conscious drivers. Rates in Inkster 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 Inkster

$2158

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Inkster

1st place: Travelers

At $804 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1027 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1113 for six months, making it the third cheapest auto insurance company in Inkster.

Inkster Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Inkster, MI is Travelers, offering policies at just $804 for a six-month term. This is followed by USAA, which has an average six-month premium of $1027.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1327 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Inkster drivers find the best deals.

Cheap Car Insurance Companies in Inkster, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$804	$135
USAA	$1027	$173
Encompass	$1113	$189
Auto-Owners Insurance Co	$1143	$191
Chubb	$1201	$204
Farm Bureau Ins of MI	$1413	$236
Auto-Owners	$1482	$249
AAA	$1491	$251
Pioneer State Mutual Ins Co	$1539	$262
Progressive	$1578	$266
Westfield	$1917	$323
Farm Bureau	$2740	$456
Pioneer State Mutual	$2983	$507
State Farm	$3185	$536
Frankenmuth	$3389	$577
Bristol West	$3824	$637
Allstate	$2934	$499
Farmers	$5945	$1011
Hastings Mutual	$1327	$222

Key Takeaways

Way's key takeaways about car insurance in Inkster

The auto insurance costs in Inkster fall around $804 for six months.
The cheapest auto insurance company in Inkster is Travelers.
Teen drivers pay the highest rate in Inkster at $1575 per month.

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Cheapest Minimum Liability Car Insurance in Inkster

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 Inkster are given below.

Travelers provides the cheapest minimum car insurance coverage in Inkster. Their Average 6 Month Premium is $339. Farmers is the most expensive at $3089 for the same period.

Cheapest Liability Coverage in Inkster, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$339	$57
Westfield	$359	$60
USAA	$425	$72
Encompass	$465	$78
Chubb	$494	$85
Auto-Owners Insurance Co	$533	$88
Auto-Owners	$590	$99
Progressive	$668	$112
AAA	$678	$116
Farm Bureau Ins of MI	$688	$114
Farm Bureau	$862	$147
Pioneer State Mutual	$872	$145
Frankenmuth	$1027	$174
State Farm	$1588	$267
Bristol West	$1597	$272
Allstate	$1249	$212
Farmers	$3089	$515

Cheapest Full Coverage Car Insurance in Inkster

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 Inkster is Travelers at $135 per month and $804 for six months.

Cheapest Full Coverage Car Insurance Quotes in Inkster, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$804	$135
USAA	$1027	$173
Encompass	$1113	$189
Auto-Owners Insurance Co	$1143	$191
Chubb	$1201	$204
Farm Bureau Ins of MI	$1413	$236
Auto-Owners	$1482	$249
AAA	$1491	$251
Pioneer State Mutual Ins Co	$1539	$262
Progressive	$1578	$266
Westfield	$1917	$323
Farm Bureau	$2740	$456
Pioneer State Mutual	$2983	$507
State Farm	$3185	$536
Frankenmuth	$3389	$577
Bristol West	$3824	$637
Allstate	$2934	$499
Farmers	$5945	$1011
Hastings Mutual	$1327	$222

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Average Car Insurance in Inkster 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 Inkster, MI increasing?

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

Car Insurance Premiums by Age in Inkster

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 Inkster,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Inkster at $67 per month. At $9449 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$398	$67
Westfield	$425	$72
Encompass	$465	$78
Chubb	$553	$95
Auto-Owners Insurance Co	$580	$96
Grange	$755	$129
USAA	$1637	$275
Auto-Owners	$2052	$346
AAA	$2663	$448
Progressive	$3757	$632
Farm Bureau	$4473	$745
Pioneer State Mutual	$5247	$892
Frankenmuth	$6254	$1043
State Farm	$8792	$1495
Allstate	$6352	$1081
Farmers	$27265	$4636
Bristol West	$9449	$1575

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 Inkster, Travelers is the cheapest car insurance provider. At $649 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 Inkster is Farm Bureau Ins of MI, offering rates of around $2052 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$649	$108
Encompass	$668	$114
Progressive	$939	$156
Westfield	$988	$168
Auto-Owners Insurance Co	$1046	$174
Pioneer State Mutual Ins Co	$1278	$217
Grange	$1617	$269
Farm Bureau Ins of MI	$2052	$349

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Car Insurance Rates with An Accident in Inkster

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

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

The cheapest car insurance companies after an at-fault accident in Inkster include Chubb and Westfield, offering $494 and $523, respectively. Pioneer State is an expensive provider with an average six-month premium of $774.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$494	$85
Westfield	$523	$86
Auto-Owners Insurance Co	$610	$104
Encompass	$688	$114
Farm Bureau Ins of MI	$813	$139
Pioneer State Mutual Ins Co	$900	$150
Travelers	$958	$161
USAA	$1249	$210
Progressive	$1482	$249
Auto-Owners	$1723	$290
AAA	$2052	$346
Farm Bureau	$3350	$559
Pioneer State Mutual	$3573	$608
State Farm	$4038	$673
Frankenmuth	$4357	$742
Allstate	$4676	$779
Farmers	$8355	$1421
Pioneer State	$774	$129

Inkster Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Inkster MI. For example, the car insurance in Inkster after a DUI increases to $3912 for a six month policy. While the rate increases by $2130 for a six-month policy in the case of a speeding ticket.

Inkster auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2130	$355
Failure to wear a seat belt	$2527	$430
Cell phone violation	$2681	$447
Texting while driving	$2681	$456
Illegal turn	$2691	$448
Wrong way/wrong lane	$2691	$458
Speeding in school zone	$2730	$455
Driving with expired registration	$2750	$468
Failure to stop at a red light	$2779	$463
Improper passing	$2779	$473
Speeding 16 - 20 MPH over limit	$3089	$515
Open container	$3640	$619
Driving with a suspended license	$4077	$680
Racing	$5257	$893
Reckless driving	$5713	$952
Leaving scene of an accident/hit and run	$5858	$996
DUI	$6042	$1007

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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 Inkster 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 Inkster.

The cheapest car insurance premiums in Inkster are offered by Chubb at $494 for a six-month policy. However, it can be as expensive as $15258 with companies like Allstate.

Inkster car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$494	$82
Auto-Owners Insurance Co	$1307	$222
Grange	$1317	$220
Farmers	$1337	$227
Progressive	$1472	$248
Pioneer State Mutual Ins Co	$1588	$271
USAA	$1762	$297
Travelers	$1946	$331
Auto-Owners	$3148	$530
Westfield	$3205	$540
AAA	$3534	$595
Bristol West	$4531	$771
Pioneer State Mutual	$5703	$950
Farm Bureau	$6709	$1141
State Farm	$8298	$1397
Frankenmuth	$15017	$2554
Allstate	$15258	$2543

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 Inkster are offered by Westfield at $425. However, it can be as expensive as $19258 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Inkster after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$425	$72
Chubb	$494	$82
Encompass	$523	$90
Travelers	$639	$106
Auto-Owners Insurance Co	$678	$116
Farm Bureau Ins of MI	$968	$161
Grange	$1027	$174
Auto-Owners	$1288	$215
USAA	$1317	$223
AAA	$1666	$277
Farm Bureau	$1723	$293
Pioneer State Mutual	$1897	$316
Progressive	$1936	$326
Frankenmuth	$3099	$517
State Farm	$5635	$958
Allstate	$3824	$650
Farmers	$19258	$3275

Car Insurance Price Trends in Inkster, Michigan

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

The average cost of full coverage in the Inkster dipped by $342 in January compared to $437 of December. In other words, there has been an decrease by $95 when you compare January and December.

The average cost of liability insurance in the Inkster dipped to $121 in January, compared to $145 in December. This represents an decrease of $24 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Inkster?

The car insurance in Inkster is $57 per month, which is lower than the national average.

What is the cheapest car insurance in Inkster?

The cheapest car insurance in Inkster is $135 per month for full coverage.

How much is car insurance in Inkster for teenagers?

Car insurance for teenagers costs $398 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 Inkster?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $363 per month to insure your car in Inkster.

Is car insurance expensive in Inkster?

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

Cheapest Car Insurance Quotes in Inkster

Why you can trust Way?

How Much Is Car Insurance in Inkster

Avg. Car Insurance in Inkster

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Inkster

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Inkster Car Insurance Rates by Company

Cheap Car Insurance Companies in Inkster, MI

Way's key takeaways about car insurance in Inkster

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Inkster

Cheapest Liability Coverage in Inkster, MI

Cheapest Full Coverage Car Insurance in Inkster

Cheapest Full Coverage Car Insurance Quotes in Inkster, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Inkster by Rating Factor

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

Car Insurance Premiums by Age in Inkster

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Inkster,MI

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

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 Inkster

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

Inkster Car Insurance Rates by Violation

Inkster auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Inkster after a DUI

Inkster car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Inkster after Speeding ticket

Car Insurance Price Trends in Inkster, Michigan

Average Car Insurance Cost in Inkster by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Inkster, MI

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

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