Cheapest Car Insurance Quotes in Madison Heights

Finding the cheapest car insurance quotes in Madison Heights 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

Madison Heights Car Insurance

^$ 49

/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 Madison Heights

The car insurance rate in Madison Heights is $1672 for a six-month policy, which is $469 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $685, making it a popular choice for budget-conscious drivers. Rates in Madison Heights 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 Madison Heights

$1672

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Madison Heights

1st place: Travelers

At $685 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $859 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $949 for six months, making it the third cheapest auto insurance company in Madison Heights.

Madison Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Madison Heights, MI is Travelers, offering policies at just $685 for a six-month term. This is followed by USAA, which has an average six-month premium of $859.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1131 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Madison Heights drivers find the best deals.

Cheap Car Insurance Companies in Madison Heights, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$685	$115
USAA	$859	$145
Encompass	$949	$158
Auto-Owners Insurance Co	$974	$165
Chubb	$1024	$171
Auto-Owners	$1148	$193
AAA	$1172	$197
Farm Bureau Ins of MI	$1205	$204
Pioneer State Mutual Ins Co	$1312	$218
Progressive	$1312	$221
Westfield	$1635	$275
Farm Bureau	$1842	$313
State Farm	$2345	$395
Allstate	$2502	$425
Bristol West	$3261	$543
Farmers	$5069	$862
Hastings Mutual	$1131	$189

Key Takeaways

Way's key takeaways about car insurance in Madison Heights

The auto insurance costs in Madison Heights fall around $685 for six months.
The cheapest auto insurance company in Madison Heights is Travelers.
Teen drivers pay the highest rate in Madison Heights at $1343 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 Madison Heights

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 Madison Heights are given below.

Travelers provides the cheapest minimum car insurance coverage in Madison Heights. Their Average 6 Month Premium is $289. Hastings Mutual is the most expensive at $495 for the same period.

Cheapest Liability Coverage in Madison Heights, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$289	$49
Westfield	$306	$51
USAA	$388	$65
Encompass	$396	$67
Chubb	$421	$70
Auto-Owners Insurance Co	$455	$78
Auto-Owners	$537	$90
Farm Bureau Ins of MI	$587	$100
Progressive	$603	$101
AAA	$719	$122
Farm Bureau	$908	$152
Allstate	$1065	$181
Bristol West	$1362	$227
State Farm	$1461	$246
Farmers	$2634	$439
Hastings Mutual	$495	$82

Cheapest Full Coverage Car Insurance in Madison Heights

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 Madison Heights is Travelers at $115 per month and $685 for six months.

Cheapest Full Coverage Car Insurance Quotes in Madison Heights, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$685	$115
USAA	$859	$145
Encompass	$949	$158
Auto-Owners Insurance Co	$974	$165
Chubb	$1024	$171
Auto-Owners	$1148	$193
AAA	$1172	$197
Farm Bureau Ins of MI	$1205	$204
Pioneer State Mutual Ins Co	$1312	$218
Progressive	$1312	$221
Westfield	$1635	$275
Farm Bureau	$1842	$313
State Farm	$2345	$395
Allstate	$2502	$425
Bristol West	$3261	$543
Farmers	$5069	$862
Hastings Mutual	$1131	$189

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Madison Heights Instantly!

Average Car Insurance in Madison Heights 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 Madison Heights, MI increasing?

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

Car Insurance Premiums by Age in Madison Heights

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	$388
30s	USAA	$295
40s	USAA	$282
50s	USAA	$271
60s	Chubb	$247
70s	Chubb	$271

Cheapest Car Insurance Rates for Teen Drivers in Madison Heights,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Madison Heights at $57 per month. At $8058 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$339	$57
Westfield	$363	$61
Encompass	$396	$67
Chubb	$471	$81
Auto-Owners Insurance Co	$495	$82
Grange	$644	$110
USAA	$1305	$220
Auto-Owners	$1561	$263
AAA	$2081	$350
Farm Bureau	$2997	$510
Progressive	$3212	$541
Allstate	$5417	$922
State Farm	$5557	$926
Farmers	$23251	$3953
Bristol West	$8058	$1343

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 Madison Heights.

As young drivers face the highest rates in Madison Heights, Chubb offers the cheapest auto insurance rates at $388 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 Madison Heights, Travelers is the cheapest car insurance provider. At $553 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 Madison Heights is Farm Bureau Ins of MI, offering rates of around $1750 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$553	$95
Encompass	$570	$95
Progressive	$801	$136
Westfield	$842	$140
Auto-Owners Insurance Co	$892	$152
Pioneer State Mutual Ins Co	$1090	$182
Grange	$1379	$235
Farm Bureau Ins of MI	$1750	$292

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Madison Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Madison Heights

The cheapest car insurance companies after an at-fault accident in Madison Heights include Chubb and Westfield, offering $421 and $446, respectively. Pioneer State is an expensive provider with an average six-month premium of $660.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$421	$72
Westfield	$446	$74
Auto-Owners Insurance Co	$520	$89
Encompass	$587	$97
Farm Bureau Ins of MI	$694	$118
Pioneer State Mutual Ins Co	$767	$128
Travelers	$817	$138
USAA	$1024	$172
Progressive	$1131	$190
Auto-Owners	$1264	$213
AAA	$1618	$272
Farm Bureau	$2255	$375
State Farm	$2567	$436
Allstate	$3988	$664
Farmers	$7125	$1212
Pioneer State	$660	$110

Madison Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Madison Heights MI. For example, the car insurance in Madison Heights after a DUI increases to $3336 for a six month policy. While the rate increases by $1817 for a six-month policy in the case of a speeding ticket.

Madison Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1817	$303
Failure to wear a seat belt	$2155	$367
Cell phone violation	$2287	$381
Texting while driving	$2287	$389
Illegal turn	$2295	$382
Wrong way/wrong lane	$2295	$391
Speeding in school zone	$2328	$388
Driving with expired registration	$2345	$399
Failure to stop at a red light	$2370	$395
Improper passing	$2370	$403
Speeding 16 - 20 MPH over limit	$2634	$439
Open container	$3104	$528
Driving with a suspended license	$3476	$580
Racing	$4483	$762
Reckless driving	$4872	$812
Leaving scene of an accident/hit and run	$4996	$849
DUI	$5153	$859

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 Madison Heights 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 Madison Heights.

The cheapest car insurance premiums in Madison Heights are offered by Chubb at $421 for a six-month policy. However, it can be as expensive as $13012 with companies like Allstate.

Madison Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$421	$70
Auto-Owners Insurance Co	$1115	$189
Grange	$1123	$188
Progressive	$1197	$202
Pioneer State Mutual Ins Co	$1354	$225
USAA	$1461	$246
Travelers	$1660	$277
Auto-Owners	$2510	$423
Westfield	$2733	$460
AAA	$2823	$475
Bristol West	$3864	$644
Farmers	$3963	$667
Farm Bureau	$4690	$781
State Farm	$5903	$994
Allstate	$13012	$2168

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 Madison Heights are offered by Westfield at $363. However, it can be as expensive as $16423 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Madison Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$363	$61
Chubb	$421	$70
Encompass	$446	$76
Travelers	$545	$90
Auto-Owners Insurance Co	$578	$99
Farm Bureau Ins of MI	$826	$138
USAA	$859	$146
Grange	$876	$146
Auto-Owners	$1205	$204
Progressive	$1767	$297
AAA	$1792	$304
Farm Bureau	$1800	$300
Allstate	$3261	$555
State Farm	$5474	$912
Farmers	$16423	$2793

Car Insurance Price Trends in Madison Heights, Michigan

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

The average cost of full coverage in the Madison Heights dipped by $373 in December compared to $382 of November. In other words, there has been an decrease by $9 when you compare December and November.

The average cost of liability insurance in the Madison Heights rose to $124 in December, compared to $114 in November. This represents an increase of $10 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 Madison Heights?

The car insurance in Madison Heights is $49 per month, which is lower than the national average.

What is the cheapest car insurance in Madison Heights?

The cheapest car insurance in Madison Heights is $115 per month for full coverage.

How much is car insurance in Madison Heights for teenagers?

Car insurance for teenagers costs $339 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 Madison Heights?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $281 per month to insure your car in Madison Heights.

Is car insurance expensive in Madison Heights?

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

Cheapest Car Insurance Quotes in Madison Heights

Why you can trust Way?

How Much Is Car Insurance in Madison Heights

Avg. Car Insurance in Madison Heights

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Madison Heights

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Madison Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Madison Heights, MI

Way's key takeaways about car insurance in Madison Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Madison Heights

Cheapest Liability Coverage in Madison Heights, MI

Cheapest Full Coverage Car Insurance in Madison Heights

Cheapest Full Coverage Car Insurance Quotes in Madison Heights, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Madison Heights by Rating Factor

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

Car Insurance Premiums by Age in Madison Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Madison Heights,MI

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

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 Madison Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Madison Heights

Madison Heights Car Insurance Rates by Violation

Madison Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Madison Heights after a DUI

Madison Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Madison Heights after Speeding ticket

Car Insurance Price Trends in Madison Heights, Michigan

Average Car Insurance Cost in Madison Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Madison Heights, MI

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

Featured Blogs

Data Sources