Cheapest Car Insurance Quotes in Lathrup Village

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Lathrup Village Car Insurance

^$ 74

/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 $2526 for a six-month policy, which is $1323 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1035, 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

$2526

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Lathrup Village

1st place: Travelers

At $1035 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1298 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1434 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 $1035 for a six-month term. This is followed by USAA, which has an average six-month premium of $1298.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1709 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	$1035	$174
USAA	$1298	$218
Encompass	$1434	$239
Auto-Owners Insurance Co	$1472	$250
Chubb	$1548	$258
Auto-Owners	$1735	$292
AAA	$1770	$298
Farm Bureau Ins of MI	$1821	$309
Pioneer State Mutual Ins Co	$1982	$330
Progressive	$1982	$334
Westfield	$2470	$416
Farm Bureau	$2783	$473
State Farm	$3543	$596
Allstate	$3780	$643
Bristol West	$4927	$821
Farmers	$7659	$1302
Hastings Mutual	$1709	$286

Key Takeaways

Way's key takeaways about car insurance in Lathrup Village

The auto insurance costs in Lathrup Village fall around $1035 for six months.
The cheapest auto insurance company in Lathrup Village is Travelers.
Teen drivers pay the highest rate in Lathrup Village at $2029 per month.

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Save up to $971/yr with our auto insurance quotes

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 $437. Hastings Mutual is the most expensive at $748 for the same period.

Cheapest Liability Coverage in Lathrup Village, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$437	$74
Westfield	$462	$78
USAA	$586	$99
Encompass	$599	$101
Chubb	$636	$105
Auto-Owners Insurance Co	$687	$118
Auto-Owners	$811	$137
Farm Bureau Ins of MI	$886	$151
Progressive	$911	$153
AAA	$1086	$185
Farm Bureau	$1371	$229
Allstate	$1609	$273
Bristol West	$2058	$342
State Farm	$2207	$372
Farmers	$3980	$664
Hastings Mutual	$748	$124

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 $174 per month and $1035 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lathrup Village, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1035	$174
USAA	$1298	$218
Encompass	$1434	$239
Auto-Owners Insurance Co	$1472	$250
Chubb	$1548	$258
Auto-Owners	$1735	$292
AAA	$1770	$298
Farm Bureau Ins of MI	$1821	$309
Pioneer State Mutual Ins Co	$1982	$330
Progressive	$1982	$334
Westfield	$2470	$416
Farm Bureau	$2783	$473
State Farm	$3543	$596
Allstate	$3780	$643
Bristol West	$4927	$821
Farmers	$7659	$1302
Hastings Mutual	$1709	$286

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Chubb	$586
30s	USAA	$445
40s	USAA	$426
50s	USAA	$410
60s	Chubb	$374
70s	Chubb	$410

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 $86 per month. At $12174 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$512	$86
Westfield	$548	$92
Encompass	$599	$101
Chubb	$712	$122
Auto-Owners Insurance Co	$748	$124
Grange	$972	$166
USAA	$1972	$332
Auto-Owners	$2358	$397
AAA	$3144	$529
Farm Bureau	$4528	$771
Progressive	$4853	$817
Allstate	$8184	$1392
State Farm	$8396	$1399
Farmers	$35127	$5972
Bristol West	$12174	$2029

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 Lathrup Village.

As young drivers face the highest rates in Lathrup Village, Chubb offers the cheapest auto insurance rates at $586 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 Lathrup Village, Travelers is the cheapest car insurance provider. At $836 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 $2644 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$836	$143
Encompass	$861	$143
Progressive	$1210	$206
Westfield	$1273	$212
Auto-Owners Insurance Co	$1348	$229
Pioneer State Mutual Ins Co	$1646	$275
Grange	$2083	$355
Farm Bureau Ins of MI	$2644	$441

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Lathrup Village.

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 $636 and $674, respectively. Pioneer State is an expensive provider with an average six-month premium of $998.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$636	$109
Westfield	$674	$111
Auto-Owners Insurance Co	$785	$134
Encompass	$886	$147
Farm Bureau Ins of MI	$1048	$179
Pioneer State Mutual Ins Co	$1159	$193
Travelers	$1235	$208
USAA	$1548	$260
Progressive	$1709	$288
Auto-Owners	$1909	$321
AAA	$2444	$412
Farm Bureau	$3406	$567
State Farm	$3879	$659
Allstate	$6025	$1004
Farmers	$10765	$1831
Pioneer State	$998	$166

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 $5040 for a six month policy. While the rate increases by $2745 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	$2745	$458
Failure to wear a seat belt	$3255	$554
Cell phone violation	$3455	$575
Texting while driving	$3455	$588
Illegal turn	$3467	$578
Wrong way/wrong lane	$3467	$590
Speeding in school zone	$3518	$586
Driving with expired registration	$3543	$603
Failure to stop at a red light	$3581	$596
Improper passing	$3581	$609
Speeding 16 - 20 MPH over limit	$3980	$664
Open container	$4689	$798
Driving with a suspended license	$5252	$876
Racing	$6773	$1151
Reckless driving	$7361	$1226
Leaving scene of an accident/hit and run	$7547	$1283
DUI	$7785	$1298

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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 $636 for a six-month policy. However, it can be as expensive as $19658 with companies like Allstate.

Lathrup Village car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$636	$105
Auto-Owners Insurance Co	$1684	$286
Grange	$1697	$284
Progressive	$1808	$305
Pioneer State Mutual Ins Co	$2045	$340
USAA	$2207	$372
Travelers	$2507	$418
Auto-Owners	$3793	$638
Westfield	$4129	$695
AAA	$4265	$718
Bristol West	$5838	$972
Farmers	$5987	$1008
Farm Bureau	$7085	$1180
State Farm	$8919	$1502
Allstate	$19658	$3276

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 $548. However, it can be as expensive as $24812 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	$548	$92
Chubb	$636	$105
Encompass	$674	$116
Travelers	$823	$137
Auto-Owners Insurance Co	$874	$149
Farm Bureau Ins of MI	$1247	$208
USAA	$1298	$221
Grange	$1323	$221
Auto-Owners	$1821	$309
Progressive	$2669	$449
AAA	$2707	$460
Farm Bureau	$2720	$454
Allstate	$4927	$838
State Farm	$8270	$1378
Farmers	$24812	$4219

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 $563 in December compared to $578 of November. In other words, there has been an decrease by $15 when you compare December and November.

The average cost of liability insurance in the Lathrup Village rose to $187 in December, compared to $172 in November. This represents an increase of $15 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Lathrup Village?

The car insurance in Lathrup Village is $74 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 $174 per month for full coverage.

How much is car insurance in Lathrup Village for teenagers?

Car insurance for teenagers costs $512 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 $1203 for a six-month policy. It will cost around $424 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 Chubb 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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