Cheapest Car Insurance Quotes in Laurium

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Laurium Car Insurance

^$ 34

/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 Laurium

The car insurance rate in Laurium is $1271 for a six-month policy, which is $53 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $473, making it a popular choice for budget-conscious drivers. Rates in Laurium 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 Laurium

$1271

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Laurium

1st place: Travelers

At $473 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $605 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $656 for six months, making it the third cheapest auto insurance company in Laurium.

Laurium Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Laurium, MI is Travelers, offering policies at just $473 for a six-month term. This is followed by USAA, which has an average six-month premium of $605.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $781 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Laurium drivers find the best deals.

Cheap Car Insurance Companies in Laurium, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$473	$80
USAA	$605	$102
Encompass	$656	$111
Auto-Owners Insurance Co	$673	$112
Chubb	$708	$120
Farm Bureau Ins of MI	$832	$139
Auto-Owners	$873	$147
AAA	$878	$148
Pioneer State Mutual Ins Co	$906	$155
Progressive	$929	$156
Westfield	$1129	$190
Farm Bureau	$1614	$269
Pioneer State Mutual	$1757	$299
State Farm	$1876	$316
Frankenmuth	$1996	$340
Bristol West	$2252	$375
Allstate	$1728	$294
Farmers	$3501	$595
Hastings Mutual	$781	$131

Key Takeaways

Way's key takeaways about car insurance in Laurium

The auto insurance costs in Laurium fall around $473 for six months.
The cheapest auto insurance company in Laurium is Travelers.
Teen drivers pay the highest rate in Laurium at $927 per month.

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Cheapest Minimum Liability Car Insurance in Laurium

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 Laurium are given below.

Travelers provides the cheapest minimum car insurance coverage in Laurium. Their Average 6 Month Premium is $200. Farmers is the most expensive at $1819 for the same period.

Cheapest Liability Coverage in Laurium, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$200	$34
Westfield	$211	$36
USAA	$251	$42
Encompass	$274	$46
Chubb	$291	$50
Auto-Owners Insurance Co	$314	$52
Auto-Owners	$348	$59
Progressive	$394	$66
AAA	$399	$68
Farm Bureau Ins of MI	$405	$67
Farm Bureau	$508	$86
Pioneer State Mutual	$514	$85
Frankenmuth	$605	$103
State Farm	$935	$157
Bristol West	$941	$160
Allstate	$735	$125
Farmers	$1819	$303

Cheapest Full Coverage Car Insurance in Laurium

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 Laurium is Travelers at $80 per month and $473 for six months.

Cheapest Full Coverage Car Insurance Quotes in Laurium, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$473	$80
USAA	$605	$102
Encompass	$656	$111
Auto-Owners Insurance Co	$673	$112
Chubb	$708	$120
Farm Bureau Ins of MI	$832	$139
Auto-Owners	$873	$147
AAA	$878	$148
Pioneer State Mutual Ins Co	$906	$155
Progressive	$929	$156
Westfield	$1129	$190
Farm Bureau	$1614	$269
Pioneer State Mutual	$1757	$299
State Farm	$1876	$316
Frankenmuth	$1996	$340
Bristol West	$2252	$375
Allstate	$1728	$294
Farmers	$3501	$595
Hastings Mutual	$781	$131

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Average Car Insurance in Laurium 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 Laurium, MI increasing?

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

Car Insurance Premiums by Age in Laurium

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 Laurium,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Laurium at $39 per month. At $5565 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$234	$39
Westfield	$251	$42
Encompass	$274	$46
Chubb	$325	$56
Auto-Owners Insurance Co	$342	$57
Grange	$444	$76
USAA	$964	$162
Auto-Owners	$1209	$204
AAA	$1569	$264
Progressive	$2213	$372
Farm Bureau	$2634	$439
Pioneer State Mutual	$3090	$525
Frankenmuth	$3684	$614
State Farm	$5178	$880
Allstate	$3741	$636
Farmers	$16058	$2730
Bristol West	$5565	$927

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 Laurium, Travelers is the cheapest car insurance provider. At $382 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 Laurium is Farm Bureau Ins of MI, offering rates of around $1209 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$382	$63
Encompass	$394	$67
Progressive	$553	$92
Westfield	$582	$99
Auto-Owners Insurance Co	$616	$103
Pioneer State Mutual Ins Co	$753	$128
Grange	$952	$158
Farm Bureau Ins of MI	$1209	$205

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

Car Insurance Rates with An Accident in Laurium

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

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

The cheapest car insurance companies after an at-fault accident in Laurium include Chubb and Westfield, offering $291 and $308, respectively. Pioneer State is an expensive provider with an average six-month premium of $456.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$291	$50
Westfield	$308	$51
Auto-Owners Insurance Co	$359	$61
Encompass	$405	$67
Farm Bureau Ins of MI	$479	$82
Pioneer State Mutual Ins Co	$530	$88
Travelers	$564	$95
USAA	$735	$124
Progressive	$873	$147
Auto-Owners	$1015	$171
AAA	$1209	$204
Farm Bureau	$1973	$329
Pioneer State Mutual	$2104	$358
State Farm	$2378	$396
Frankenmuth	$2566	$437
Allstate	$2754	$459
Farmers	$4921	$837
Pioneer State	$456	$76

Laurium Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Laurium MI. For example, the car insurance in Laurium after a DUI increases to $2304 for a six month policy. While the rate increases by $1255 for a six-month policy in the case of a speeding ticket.

Laurium auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1255	$209
Failure to wear a seat belt	$1488	$253
Cell phone violation	$1579	$263
Texting while driving	$1579	$269
Illegal turn	$1585	$264
Wrong way/wrong lane	$1585	$270
Speeding in school zone	$1608	$268
Driving with expired registration	$1620	$276
Failure to stop at a red light	$1637	$273
Improper passing	$1637	$278
Speeding 16 - 20 MPH over limit	$1819	$303
Open container	$2144	$365
Driving with a suspended license	$2401	$400
Racing	$3096	$526
Reckless driving	$3365	$561
Leaving scene of an accident/hit and run	$3450	$587
DUI	$3559	$593

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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 Laurium 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 Laurium.

The cheapest car insurance premiums in Laurium are offered by Chubb at $291 for a six-month policy. However, it can be as expensive as $8987 with companies like Allstate.

Laurium car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$291	$48
Auto-Owners Insurance Co	$770	$131
Grange	$776	$130
Farmers	$787	$133
Progressive	$867	$146
Pioneer State Mutual Ins Co	$935	$159
USAA	$1038	$175
Travelers	$1146	$195
Auto-Owners	$1854	$312
Westfield	$1887	$318
AAA	$2081	$350
Bristol West	$2669	$454
Pioneer State Mutual	$3359	$560
Farm Bureau	$3951	$672
State Farm	$4887	$823
Frankenmuth	$8844	$1504
Allstate	$8987	$1498

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 Laurium are offered by Westfield at $251. However, it can be as expensive as $11342 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Laurium after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$251	$42
Chubb	$291	$48
Encompass	$308	$53
Travelers	$376	$62
Auto-Owners Insurance Co	$399	$68
Farm Bureau Ins of MI	$570	$95
Grange	$605	$103
Auto-Owners	$758	$127
USAA	$776	$132
AAA	$981	$163
Farm Bureau	$1015	$173
Pioneer State Mutual	$1117	$186
Progressive	$1140	$192
Frankenmuth	$1825	$304
State Farm	$3319	$564
Allstate	$2252	$383
Farmers	$11342	$1929

Car Insurance Price Trends in Laurium, Michigan

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

The average cost of full coverage in the Laurium dipped by $202 in January compared to $257 of December. In other words, there has been an decrease by $55 when you compare January and December.

The average cost of liability insurance in the Laurium dipped to $71 in January, compared to $85 in December. This represents an decrease of $14 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Laurium?

The car insurance in Laurium is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Laurium?

The cheapest car insurance in Laurium is $80 per month for full coverage.

How much is car insurance in Laurium for teenagers?

Car insurance for teenagers costs $234 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 Laurium?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $214 per month to insure your car in Laurium.

Is car insurance expensive in Laurium?

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

Cheapest Car Insurance Quotes in Laurium

Why you can trust Way?

How Much Is Car Insurance in Laurium

Avg. Car Insurance in Laurium

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Laurium

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Laurium Car Insurance Rates by Company

Cheap Car Insurance Companies in Laurium, MI

Way's key takeaways about car insurance in Laurium

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Laurium

Cheapest Liability Coverage in Laurium, MI

Cheapest Full Coverage Car Insurance in Laurium

Cheapest Full Coverage Car Insurance Quotes in Laurium, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Laurium by Rating Factor

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

Car Insurance Premiums by Age in Laurium

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Laurium,MI

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

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 Laurium

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

Laurium Car Insurance Rates by Violation

Laurium auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Laurium after a DUI

Laurium car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Laurium after Speeding ticket

Car Insurance Price Trends in Laurium, Michigan

Average Car Insurance Cost in Laurium by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Laurium, MI

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

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