Cheapest Car Insurance Quotes in Leonard

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Leonard Car Insurance

^$ 38

/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 Leonard

The car insurance rate in Leonard is $1299 for a six-month policy, which is $96 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $532, making it a popular choice for budget-conscious drivers. Rates in Leonard 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 Leonard

$1299

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Leonard

1st place: Travelers

At $532 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $667 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $738 for six months, making it the third cheapest auto insurance company in Leonard.

Leonard Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Leonard, MI is Travelers, offering policies at just $532 for a six-month term. This is followed by USAA, which has an average six-month premium of $667.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $879 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Leonard drivers find the best deals.

Cheap Car Insurance Companies in Leonard, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$532	$90
USAA	$667	$112
Encompass	$738	$123
Auto-Owners Insurance Co	$757	$129
Chubb	$796	$133
Auto-Owners	$892	$150
AAA	$910	$153
Farm Bureau Ins of MI	$936	$159
Pioneer State Mutual Ins Co	$1020	$170
Progressive	$1020	$172
Westfield	$1270	$214
Farm Bureau	$1431	$243
State Farm	$1822	$307
Allstate	$1944	$330
Bristol West	$2534	$422
Farmers	$3939	$670
Hastings Mutual	$879	$147

Key Takeaways

Way's key takeaways about car insurance in Leonard

The auto insurance costs in Leonard fall around $532 for six months.
The cheapest auto insurance company in Leonard is Travelers.
Teen drivers pay the highest rate in Leonard at $1043 per month.

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Cheapest Minimum Liability Car Insurance in Leonard

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 Leonard are given below.

Travelers provides the cheapest minimum car insurance coverage in Leonard. Their Average 6 Month Premium is $225. Hastings Mutual is the most expensive at $384 for the same period.

Cheapest Liability Coverage in Leonard, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$225	$38
Westfield	$238	$40
USAA	$301	$51
Encompass	$308	$52
Chubb	$327	$54
Auto-Owners Insurance Co	$353	$60
Auto-Owners	$417	$70
Farm Bureau Ins of MI	$456	$78
Progressive	$469	$79
AAA	$558	$95
Farm Bureau	$705	$118
Allstate	$827	$140
Bristol West	$1058	$176
State Farm	$1135	$191
Farmers	$2047	$341
Hastings Mutual	$384	$64

Cheapest Full Coverage Car Insurance in Leonard

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 Leonard is Travelers at $90 per month and $532 for six months.

Cheapest Full Coverage Car Insurance Quotes in Leonard, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$532	$90
USAA	$667	$112
Encompass	$738	$123
Auto-Owners Insurance Co	$757	$129
Chubb	$796	$133
Auto-Owners	$892	$150
AAA	$910	$153
Farm Bureau Ins of MI	$936	$159
Pioneer State Mutual Ins Co	$1020	$170
Progressive	$1020	$172
Westfield	$1270	$214
Farm Bureau	$1431	$243
State Farm	$1822	$307
Allstate	$1944	$330
Bristol West	$2534	$422
Farmers	$3939	$670
Hastings Mutual	$879	$147

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Average Car Insurance in Leonard 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 Leonard, MI increasing?

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

Car Insurance Premiums by Age in Leonard

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	$301
30s	USAA	$229
40s	USAA	$219
50s	USAA	$211
60s	Chubb	$192
70s	Chubb	$211

Cheapest Car Insurance Rates for Teen Drivers in Leonard,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Leonard at $44 per month. At $6261 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$264	$44
Westfield	$282	$48
Encompass	$308	$52
Chubb	$366	$63
Auto-Owners Insurance Co	$384	$64
Grange	$500	$85
USAA	$1014	$171
Auto-Owners	$1213	$204
AAA	$1617	$272
Farm Bureau	$2328	$396
Progressive	$2496	$420
Allstate	$4209	$716
State Farm	$4318	$719
Farmers	$18065	$3072
Bristol West	$6261	$1043

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 Leonard.

As young drivers face the highest rates in Leonard, Chubb offers the cheapest auto insurance rates at $301 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 Leonard, Travelers is the cheapest car insurance provider. At $430 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 Leonard is Farm Bureau Ins of MI, offering rates of around $1360 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$430	$73
Encompass	$443	$73
Progressive	$622	$106
Westfield	$654	$109
Auto-Owners Insurance Co	$693	$118
Pioneer State Mutual Ins Co	$847	$141
Grange	$1071	$183
Farm Bureau Ins of MI	$1360	$227

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Car Insurance Rates with An Accident in Leonard

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

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

The cheapest car insurance companies after an at-fault accident in Leonard include Chubb and Westfield, offering $327 and $347, respectively. Pioneer State is an expensive provider with an average six-month premium of $513.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$327	$56
Westfield	$347	$57
Auto-Owners Insurance Co	$404	$69
Encompass	$456	$76
Farm Bureau Ins of MI	$539	$92
Pioneer State Mutual Ins Co	$596	$99
Travelers	$635	$107
USAA	$796	$134
Progressive	$879	$148
Auto-Owners	$982	$165
AAA	$1257	$212
Farm Bureau	$1752	$292
State Farm	$1995	$339
Allstate	$3099	$516
Farmers	$5536	$942
Pioneer State	$513	$85

Leonard Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Leonard MI. For example, the car insurance in Leonard after a DUI increases to $2592 for a six month policy. While the rate increases by $1412 for a six-month policy in the case of a speeding ticket.

Leonard auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1412	$235
Failure to wear a seat belt	$1674	$285
Cell phone violation	$1777	$296
Texting while driving	$1777	$302
Illegal turn	$1783	$297
Wrong way/wrong lane	$1783	$303
Speeding in school zone	$1809	$301
Driving with expired registration	$1822	$310
Failure to stop at a red light	$1841	$307
Improper passing	$1841	$313
Speeding 16 - 20 MPH over limit	$2047	$341
Open container	$2412	$410
Driving with a suspended license	$2701	$450
Racing	$3483	$592
Reckless driving	$3785	$631
Leaving scene of an accident/hit and run	$3882	$660
DUI	$4004	$667

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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 Leonard 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 Leonard.

The cheapest car insurance premiums in Leonard are offered by Chubb at $327 for a six-month policy. However, it can be as expensive as $10110 with companies like Allstate.

Leonard car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$327	$54
Auto-Owners Insurance Co	$866	$147
Grange	$873	$146
Progressive	$930	$157
Pioneer State Mutual Ins Co	$1052	$175
USAA	$1135	$191
Travelers	$1290	$215
Auto-Owners	$1950	$328
Westfield	$2123	$357
AAA	$2193	$369
Bristol West	$3002	$500
Farmers	$3079	$518
Farm Bureau	$3644	$607
State Farm	$4587	$772
Allstate	$10110	$1685

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 Leonard are offered by Westfield at $282. However, it can be as expensive as $12760 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Leonard after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$282	$48
Chubb	$327	$54
Encompass	$347	$59
Travelers	$423	$70
Auto-Owners Insurance Co	$449	$77
Farm Bureau Ins of MI	$642	$107
USAA	$667	$113
Grange	$680	$113
Auto-Owners	$936	$159
Progressive	$1373	$231
AAA	$1392	$237
Farm Bureau	$1399	$233
Allstate	$2534	$431
State Farm	$4253	$708
Farmers	$12760	$2170

Car Insurance Price Trends in Leonard, Michigan

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

The average cost of full coverage in the Leonard dipped by $289 in December compared to $297 of November. In other words, there has been an decrease by $8 when you compare December and November.

The average cost of liability insurance in the Leonard rose to $96 in December, compared to $89 in November. This represents an increase of $7 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Leonard?

The car insurance in Leonard is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Leonard?

The cheapest car insurance in Leonard is $90 per month for full coverage.

How much is car insurance in Leonard for teenagers?

Car insurance for teenagers costs $264 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 Leonard?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $218 per month to insure your car in Leonard.

Is car insurance expensive in Leonard?

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

Cheapest Car Insurance Quotes in Leonard

Why you can trust Way?

How Much Is Car Insurance in Leonard

Avg. Car Insurance in Leonard

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Leonard

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Leonard Car Insurance Rates by Company

Cheap Car Insurance Companies in Leonard, MI

Way's key takeaways about car insurance in Leonard

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Leonard

Cheapest Liability Coverage in Leonard, MI

Cheapest Full Coverage Car Insurance in Leonard

Cheapest Full Coverage Car Insurance Quotes in Leonard, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Leonard by Rating Factor

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

Car Insurance Premiums by Age in Leonard

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Leonard,MI

If you are in your twenties Chubb is the best choice for car insurance in Leonard.

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 Leonard

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

Leonard Car Insurance Rates by Violation

Leonard auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Leonard after a DUI

Leonard car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Leonard after Speeding ticket

Car Insurance Price Trends in Leonard, Michigan

Average Car Insurance Cost in Leonard by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Leonard, MI

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

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Data Sources