Cheapest Car Insurance Quotes in Lathrup Village

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Lathrup Village Car Insurance

^$ 58

/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 Lathrup Village

The car insurance rate in Lathrup Village is $2198 for a six-month policy, which is $874 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $818, making it a popular choice for budget-conscious drivers. Rates in Lathrup Village 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 Lathrup Village

$2198

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Lathrup Village

1st place: Travelers

At $818 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1046 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1134 for six months, making it the third cheapest auto insurance company in Lathrup Village.

Lathrup Village Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lathrup Village, MI is Travelers, offering policies at just $818 for a six-month term. This is followed by USAA, which has an average six-month premium of $1046.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1351 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lathrup Village drivers find the best deals.

Cheap Car Insurance Companies in Lathrup Village, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$818	$138
USAA	$1046	$176
Encompass	$1134	$193
Auto-Owners Insurance Co	$1164	$194
Chubb	$1223	$208
Farm Bureau Ins of MI	$1439	$241
Auto-Owners	$1509	$254
AAA	$1519	$256
Pioneer State Mutual Ins Co	$1567	$267
Progressive	$1607	$271
Westfield	$1952	$329
Farm Bureau	$2790	$465
Pioneer State Mutual	$3038	$516
State Farm	$3244	$546
Frankenmuth	$3451	$588
Bristol West	$3894	$649
Allstate	$2988	$508
Farmers	$6054	$1029
Hastings Mutual	$1351	$226

Key Takeaways

Way's key takeaways about car insurance in Lathrup Village

The auto insurance costs in Lathrup Village fall around $818 for six months.
The cheapest auto insurance company in Lathrup Village is Travelers.
Teen drivers pay the highest rate in Lathrup Village at $1604 per month.

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Cheapest Minimum Liability Car Insurance in Lathrup Village

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 Lathrup Village are given below.

Travelers provides the cheapest minimum car insurance coverage in Lathrup Village. Their Average 6 Month Premium is $345. Farmers is the most expensive at $3146 for the same period.

Cheapest Liability Coverage in Lathrup Village, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$345	$58
Westfield	$365	$61
USAA	$433	$73
Encompass	$473	$80
Chubb	$503	$86
Auto-Owners Insurance Co	$543	$90
Auto-Owners	$601	$101
Progressive	$681	$115
AAA	$691	$118
Farm Bureau Ins of MI	$701	$116
Farm Bureau	$878	$149
Pioneer State Mutual	$888	$148
Frankenmuth	$1046	$178
State Farm	$1617	$272
Bristol West	$1627	$277
Allstate	$1272	$216
Farmers	$3146	$525

Cheapest Full Coverage Car Insurance in Lathrup Village

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 Lathrup Village is Travelers at $138 per month and $818 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lathrup Village, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$818	$138
USAA	$1046	$176
Encompass	$1134	$193
Auto-Owners Insurance Co	$1164	$194
Chubb	$1223	$208
Farm Bureau Ins of MI	$1439	$241
Auto-Owners	$1509	$254
AAA	$1519	$256
Pioneer State Mutual Ins Co	$1567	$267
Progressive	$1607	$271
Westfield	$1952	$329
Farm Bureau	$2790	$465
Pioneer State Mutual	$3038	$516
State Farm	$3244	$546
Frankenmuth	$3451	$588
Bristol West	$3894	$649
Allstate	$2988	$508
Farmers	$6054	$1029
Hastings Mutual	$1351	$226

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Average Car Insurance in Lathrup Village 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 Lathrup Village, MI increasing?

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

Car Insurance Premiums by Age in Lathrup Village

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 Lathrup Village,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Lathrup Village at $68 per month. At $9623 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$405	$68
Westfield	$433	$73
Encompass	$473	$80
Chubb	$563	$96
Auto-Owners Insurance Co	$591	$98
Grange	$769	$131
USAA	$1667	$281
Auto-Owners	$2090	$352
AAA	$2712	$457
Progressive	$3826	$644
Farm Bureau	$4555	$759
Pioneer State Mutual	$5344	$908
Frankenmuth	$6369	$1062
State Farm	$8954	$1522
Allstate	$6469	$1101
Farmers	$27767	$4721
Bristol West	$9623	$1604

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 Lathrup Village, Travelers is the cheapest car insurance provider. At $661 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 Lathrup Village is Farm Bureau Ins of MI, offering rates of around $2090 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$661	$110
Encompass	$681	$116
Progressive	$956	$159
Westfield	$1006	$171
Auto-Owners Insurance Co	$1066	$178
Pioneer State Mutual Ins Co	$1301	$221
Grange	$1647	$274
Farm Bureau Ins of MI	$2090	$355

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Car Insurance Rates with An Accident in Lathrup Village

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lathrup Village

The cheapest car insurance companies after an at-fault accident in Lathrup Village include Chubb and Westfield, offering $503 and $533, respectively. Pioneer State is an expensive provider with an average six-month premium of $789.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$503	$86
Westfield	$533	$88
Auto-Owners Insurance Co	$621	$106
Encompass	$701	$116
Farm Bureau Ins of MI	$828	$141
Pioneer State Mutual Ins Co	$916	$153
Travelers	$976	$164
USAA	$1272	$214
Progressive	$1509	$254
Auto-Owners	$1755	$295
AAA	$2090	$352
Farm Bureau	$3411	$569
Pioneer State Mutual	$3639	$619
State Farm	$4112	$686
Frankenmuth	$4437	$755
Allstate	$4763	$793
Farmers	$8509	$1448
Pioneer State	$789	$131

Lathrup Village Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lathrup Village MI. For example, the car insurance in Lathrup Village after a DUI increases to $3984 for a six month policy. While the rate increases by $2170 for a six-month policy in the case of a speeding ticket.

Lathrup Village auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2170	$362
Failure to wear a seat belt	$2573	$438
Cell phone violation	$2731	$455
Texting while driving	$2731	$465
Illegal turn	$2741	$457
Wrong way/wrong lane	$2741	$466
Speeding in school zone	$2781	$463
Driving with expired registration	$2800	$476
Failure to stop at a red light	$2830	$471
Improper passing	$2830	$481
Speeding 16 - 20 MPH over limit	$3146	$525
Open container	$3707	$631
Driving with a suspended license	$4152	$692
Racing	$5354	$910
Reckless driving	$5818	$969
Leaving scene of an accident/hit and run	$5966	$1014
DUI	$6154	$1026

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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 Lathrup Village 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 Lathrup Village.

The cheapest car insurance premiums in Lathrup Village are offered by Chubb at $503 for a six-month policy. However, it can be as expensive as $15539 with companies like Allstate.

Lathrup Village car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$503	$83
Auto-Owners Insurance Co	$1331	$226
Grange	$1341	$224
Farmers	$1361	$231
Progressive	$1499	$252
Pioneer State Mutual Ins Co	$1617	$276
USAA	$1794	$302
Travelers	$1982	$337
Auto-Owners	$3205	$540
Westfield	$3264	$549
AAA	$3599	$606
Bristol West	$4615	$785
Pioneer State Mutual	$5808	$968
Farm Bureau	$6833	$1162
State Farm	$8451	$1423
Frankenmuth	$15294	$2601
Allstate	$15539	$2590

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 Lathrup Village are offered by Westfield at $433. However, it can be as expensive as $19613 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lathrup Village after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$433	$73
Chubb	$503	$83
Encompass	$533	$91
Travelers	$651	$108
Auto-Owners Insurance Co	$691	$118
Farm Bureau Ins of MI	$986	$164
Grange	$1046	$178
Auto-Owners	$1311	$219
USAA	$1341	$227
AAA	$1697	$282
Farm Bureau	$1755	$299
Pioneer State Mutual	$1932	$322
Progressive	$1972	$332
Frankenmuth	$3156	$526
State Farm	$5739	$976
Allstate	$3894	$662
Farmers	$19613	$3335

Car Insurance Price Trends in Lathrup Village, Michigan

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

The average cost of full coverage in the Lathrup Village dipped by $349 in January compared to $445 of December. In other words, there has been an decrease by $96 when you compare January and December.

The average cost of liability insurance in the Lathrup Village dipped to $123 in January, compared to $148 in December. This represents an decrease of $25 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lathrup Village?

The car insurance in Lathrup Village is $58 per month, which is lower than the national average.

What is the cheapest car insurance in Lathrup Village?

The cheapest car insurance in Lathrup Village is $138 per month for full coverage.

How much is car insurance in Lathrup Village for teenagers?

Car insurance for teenagers costs $405 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 Lathrup Village?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $370 per month to insure your car in Lathrup Village.

Is car insurance expensive in Lathrup Village?

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

Cheapest Car Insurance Quotes in Lathrup Village

Why you can trust Way?

How Much Is Car Insurance in Lathrup Village

Avg. Car Insurance in Lathrup Village

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Lathrup Village

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Lathrup Village Car Insurance Rates by Company

Cheap Car Insurance Companies in Lathrup Village, MI

Way's key takeaways about car insurance in Lathrup Village

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lathrup Village

Cheapest Liability Coverage in Lathrup Village, MI

Cheapest Full Coverage Car Insurance in Lathrup Village

Cheapest Full Coverage Car Insurance Quotes in Lathrup Village, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lathrup Village by Rating Factor

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

Car Insurance Premiums by Age in Lathrup Village

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lathrup Village,MI

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

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 Lathrup Village

Cheapest Car Insurance Companies after an At-Fault Accident in Lathrup Village

Lathrup Village Car Insurance Rates by Violation

Lathrup Village auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lathrup Village after a DUI

Lathrup Village car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lathrup Village after Speeding ticket

Car Insurance Price Trends in Lathrup Village, Michigan

Average Car Insurance Cost in Lathrup Village by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lathrup Village, MI

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

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