Cheapest Car Insurance Quotes in Luther

Finding the cheapest car insurance quotes in Luther shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Luther Car Insurance

^$ 37

/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 Luther

The car insurance rate in Luther is $1275 for a six-month policy, which is $72 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $523, making it a popular choice for budget-conscious drivers. Rates in Luther 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 Luther

$1275

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Luther

1st place: Travelers

At $523 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $655 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $724 for six months, making it the third cheapest auto insurance company in Luther.

Luther Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Luther, MI is Travelers, offering policies at just $523 for a six-month term. This is followed by USAA, which has an average six-month premium of $655.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $863 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Luther drivers find the best deals.

Cheap Car Insurance Companies in Luther, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$523	$88
USAA	$655	$110
Encompass	$724	$121
Auto-Owners Insurance Co	$743	$126
Chubb	$781	$130
Auto-Owners	$876	$147
AAA	$894	$151
Farm Bureau Ins of MI	$919	$156
Pioneer State Mutual Ins Co	$1001	$166
Progressive	$1001	$169
Westfield	$1247	$210
Farm Bureau	$1405	$239
State Farm	$1788	$301
Allstate	$1908	$324
Bristol West	$2487	$414
Farmers	$3866	$657
Hastings Mutual	$863	$144

Key Takeaways

Way's key takeaways about car insurance in Luther

The auto insurance costs in Luther fall around $523 for six months.
The cheapest auto insurance company in Luther is Travelers.
Teen drivers pay the highest rate in Luther at $1024 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Luther

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 Luther are given below.

Travelers provides the cheapest minimum car insurance coverage in Luther. Their Average 6 Month Premium is $220. Hastings Mutual is the most expensive at $377 for the same period.

Cheapest Liability Coverage in Luther, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$220	$37
Westfield	$233	$39
USAA	$296	$50
Encompass	$302	$51
Chubb	$321	$53
Auto-Owners Insurance Co	$347	$59
Auto-Owners	$409	$69
Farm Bureau Ins of MI	$447	$76
Progressive	$460	$77
AAA	$548	$93
Farm Bureau	$692	$116
Allstate	$812	$138
Bristol West	$1039	$173
State Farm	$1114	$188
Farmers	$2009	$335
Hastings Mutual	$377	$63

Cheapest Full Coverage Car Insurance in Luther

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 Luther is Travelers at $88 per month and $523 for six months.

Cheapest Full Coverage Car Insurance Quotes in Luther, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$523	$88
USAA	$655	$110
Encompass	$724	$121
Auto-Owners Insurance Co	$743	$126
Chubb	$781	$130
Auto-Owners	$876	$147
AAA	$894	$151
Farm Bureau Ins of MI	$919	$156
Pioneer State Mutual Ins Co	$1001	$166
Progressive	$1001	$169
Westfield	$1247	$210
Farm Bureau	$1405	$239
State Farm	$1788	$301
Allstate	$1908	$324
Bristol West	$2487	$414
Farmers	$3866	$657
Hastings Mutual	$863	$144

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Luther Instantly!

Average Car Insurance in Luther 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 Luther, MI increasing?

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

Car Insurance Premiums by Age in Luther

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	$296
30s	USAA	$225
40s	USAA	$215
50s	USAA	$207
60s	Chubb	$189
70s	Chubb	$207

Cheapest Car Insurance Rates for Teen Drivers in Luther,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Luther at $43 per month. At $6145 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$259	$43
Westfield	$277	$47
Encompass	$302	$51
Chubb	$359	$61
Auto-Owners Insurance Co	$377	$63
Grange	$491	$84
USAA	$995	$167
Auto-Owners	$1190	$200
AAA	$1587	$267
Farm Bureau	$2285	$389
Progressive	$2450	$412
Allstate	$4131	$703
State Farm	$4238	$706
Farmers	$17731	$3015
Bristol West	$6145	$1024

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 Luther.

As young drivers face the highest rates in Luther, Chubb offers the cheapest auto insurance rates at $296 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 Luther, Travelers is the cheapest car insurance provider. At $422 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 Luther is Farm Bureau Ins of MI, offering rates of around $1335 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$422	$72
Encompass	$435	$72
Progressive	$611	$104
Westfield	$642	$107
Auto-Owners Insurance Co	$681	$116
Pioneer State Mutual Ins Co	$831	$139
Grange	$1052	$179
Farm Bureau Ins of MI	$1335	$223

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Luther

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

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

The cheapest car insurance companies after an at-fault accident in Luther include Chubb and Westfield, offering $321 and $340, respectively. Pioneer State is an expensive provider with an average six-month premium of $504.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$321	$55
Westfield	$340	$56
Auto-Owners Insurance Co	$396	$68
Encompass	$447	$74
Farm Bureau Ins of MI	$529	$90
Pioneer State Mutual Ins Co	$585	$98
Travelers	$623	$105
USAA	$781	$131
Progressive	$863	$145
Auto-Owners	$964	$162
AAA	$1234	$208
Farm Bureau	$1719	$286
State Farm	$1958	$333
Allstate	$3041	$507
Farmers	$5434	$924
Pioneer State	$504	$84

Luther Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Luther MI. For example, the car insurance in Luther after a DUI increases to $2544 for a six month policy. While the rate increases by $1385 for a six-month policy in the case of a speeding ticket.

Luther auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1385	$231
Failure to wear a seat belt	$1643	$280
Cell phone violation	$1744	$290
Texting while driving	$1744	$297
Illegal turn	$1750	$292
Wrong way/wrong lane	$1750	$298
Speeding in school zone	$1776	$296
Driving with expired registration	$1788	$304
Failure to stop at a red light	$1807	$301
Improper passing	$1807	$307
Speeding 16 - 20 MPH over limit	$2009	$335
Open container	$2367	$403
Driving with a suspended license	$2651	$442
Racing	$3419	$581
Reckless driving	$3715	$619
Leaving scene of an accident/hit and run	$3810	$648
DUI	$3929	$655

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Luther 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 Luther.

The cheapest car insurance premiums in Luther are offered by Chubb at $321 for a six-month policy. However, it can be as expensive as $9923 with companies like Allstate.

Luther car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$321	$53
Auto-Owners Insurance Co	$850	$144
Grange	$856	$143
Progressive	$913	$154
Pioneer State Mutual Ins Co	$1032	$172
USAA	$1114	$188
Travelers	$1266	$211
Auto-Owners	$1914	$322
Westfield	$2084	$351
AAA	$2153	$363
Bristol West	$2947	$491
Farmers	$3022	$509
Farm Bureau	$3576	$596
State Farm	$4502	$758
Allstate	$9923	$1654

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 Luther are offered by Westfield at $277. However, it can be as expensive as $12524 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Luther after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$277	$47
Chubb	$321	$53
Encompass	$340	$58
Travelers	$416	$69
Auto-Owners Insurance Co	$441	$75
Farm Bureau Ins of MI	$630	$105
USAA	$655	$111
Grange	$668	$111
Auto-Owners	$919	$156
Progressive	$1347	$227
AAA	$1366	$232
Farm Bureau	$1373	$229
Allstate	$2487	$423
State Farm	$4174	$695
Farmers	$12524	$2130

Car Insurance Price Trends in Luther, Michigan

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

The average cost of full coverage in the Luther dipped by $284 in December compared to $292 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 Luther rose to $94 in December, compared to $87 in November. This represents an increase of $7 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Luther?

The car insurance in Luther is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Luther?

The cheapest car insurance in Luther is $88 per month for full coverage.

How much is car insurance in Luther for teenagers?

Car insurance for teenagers costs $259 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 Luther?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $214 per month to insure your car in Luther.

Is car insurance expensive in Luther?

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

Cheapest Car Insurance Quotes in Luther

Why you can trust Way?

How Much Is Car Insurance in Luther

Avg. Car Insurance in Luther

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Luther

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Luther Car Insurance Rates by Company

Cheap Car Insurance Companies in Luther, MI

Way's key takeaways about car insurance in Luther

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Luther

Cheapest Liability Coverage in Luther, MI

Cheapest Full Coverage Car Insurance in Luther

Cheapest Full Coverage Car Insurance Quotes in Luther, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Luther by Rating Factor

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

Car Insurance Premiums by Age in Luther

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Luther,MI

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

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 Luther

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

Luther Car Insurance Rates by Violation

Luther auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Luther after a DUI

Luther car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Luther after Speeding ticket

Car Insurance Price Trends in Luther, Michigan

Average Car Insurance Cost in Luther by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Luther, MI

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

Featured Blogs

Data Sources