Cheapest Car Insurance Quotes in Melvindale

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Melvindale Car Insurance

^$ 63

/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 Melvindale

The car insurance rate in Melvindale is $2383 for a six-month policy, which is $1059 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $887, making it a popular choice for budget-conscious drivers. Rates in Melvindale 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 Melvindale

$2383

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Melvindale

1st place: Travelers

At $887 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1134 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1229 for six months, making it the third cheapest auto insurance company in Melvindale.

Melvindale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Melvindale, MI is Travelers, offering policies at just $887 for a six-month term. This is followed by USAA, which has an average six-month premium of $1134.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1465 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Melvindale drivers find the best deals.

Cheap Car Insurance Companies in Melvindale, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$887	$149
USAA	$1134	$191
Encompass	$1229	$209
Auto-Owners Insurance Co	$1262	$211
Chubb	$1327	$225
Farm Bureau Ins of MI	$1561	$261
Auto-Owners	$1636	$275
AAA	$1647	$277
Pioneer State Mutual Ins Co	$1699	$290
Progressive	$1742	$293
Westfield	$2117	$356
Farm Bureau	$3026	$504
Pioneer State Mutual	$3294	$560
State Farm	$3517	$592
Frankenmuth	$3742	$637
Bristol West	$4223	$704
Allstate	$3240	$551
Farmers	$6565	$1116
Hastings Mutual	$1465	$245

Key Takeaways

Way's key takeaways about car insurance in Melvindale

The auto insurance costs in Melvindale fall around $887 for six months.
The cheapest auto insurance company in Melvindale is Travelers.
Teen drivers pay the highest rate in Melvindale at $1739 per month.

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Cheapest Minimum Liability Car Insurance in Melvindale

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 Melvindale are given below.

Travelers provides the cheapest minimum car insurance coverage in Melvindale. Their Average 6 Month Premium is $374. Farmers is the most expensive at $3411 for the same period.

Cheapest Liability Coverage in Melvindale, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$374	$63
Westfield	$396	$67
USAA	$470	$79
Encompass	$513	$86
Chubb	$545	$94
Auto-Owners Insurance Co	$589	$97
Auto-Owners	$652	$110
Progressive	$738	$124
AAA	$749	$128
Farm Bureau Ins of MI	$760	$126
Farm Bureau	$952	$162
Pioneer State Mutual	$963	$160
Frankenmuth	$1134	$193
State Farm	$1753	$295
Bristol West	$1764	$301
Allstate	$1379	$234
Farmers	$3411	$569

Cheapest Full Coverage Car Insurance in Melvindale

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 Melvindale is Travelers at $149 per month and $887 for six months.

Cheapest Full Coverage Car Insurance Quotes in Melvindale, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$887	$149
USAA	$1134	$191
Encompass	$1229	$209
Auto-Owners Insurance Co	$1262	$211
Chubb	$1327	$225
Farm Bureau Ins of MI	$1561	$261
Auto-Owners	$1636	$275
AAA	$1647	$277
Pioneer State Mutual Ins Co	$1699	$290
Progressive	$1742	$293
Westfield	$2117	$356
Farm Bureau	$3026	$504
Pioneer State Mutual	$3294	$560
State Farm	$3517	$592
Frankenmuth	$3742	$637
Bristol West	$4223	$704
Allstate	$3240	$551
Farmers	$6565	$1116
Hastings Mutual	$1465	$245

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Average Car Insurance in Melvindale 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 Melvindale, MI increasing?

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

Car Insurance Premiums by Age in Melvindale

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 Melvindale,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Melvindale at $74 per month. At $10435 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$439	$74
Westfield	$470	$79
Encompass	$513	$86
Chubb	$610	$104
Auto-Owners Insurance Co	$641	$106
Grange	$833	$142
USAA	$1807	$304
Auto-Owners	$2266	$382
AAA	$2941	$495
Progressive	$4149	$698
Farm Bureau	$4939	$823
Pioneer State Mutual	$5794	$985
Frankenmuth	$6907	$1152
State Farm	$9709	$1651
Allstate	$7015	$1193
Farmers	$30109	$5119
Bristol West	$10435	$1739

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 Melvindale, Travelers is the cheapest car insurance provider. At $716 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 Melvindale is Farm Bureau Ins of MI, offering rates of around $2266 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$716	$119
Encompass	$738	$126
Progressive	$1037	$173
Westfield	$1091	$185
Auto-Owners Insurance Co	$1156	$193
Pioneer State Mutual Ins Co	$1411	$239
Grange	$1786	$297
Farm Bureau Ins of MI	$2266	$385

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Car Insurance Rates with An Accident in Melvindale

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

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

The cheapest car insurance companies after an at-fault accident in Melvindale include Chubb and Westfield, offering $545 and $578, respectively. Pioneer State is an expensive provider with an average six-month premium of $855.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$545	$94
Westfield	$578	$95
Auto-Owners Insurance Co	$673	$115
Encompass	$760	$126
Farm Bureau Ins of MI	$898	$153
Pioneer State Mutual Ins Co	$994	$166
Travelers	$1058	$178
USAA	$1379	$232
Progressive	$1636	$275
Auto-Owners	$1903	$320
AAA	$2266	$382
Farm Bureau	$3699	$617
Pioneer State Mutual	$3946	$671
State Farm	$4459	$743
Frankenmuth	$4811	$819
Allstate	$5164	$860
Farmers	$9227	$1570
Pioneer State	$855	$142

Melvindale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Melvindale MI. For example, the car insurance in Melvindale after a DUI increases to $4320 for a six month policy. While the rate increases by $2353 for a six-month policy in the case of a speeding ticket.

Melvindale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2353	$392
Failure to wear a seat belt	$2790	$475
Cell phone violation	$2961	$493
Texting while driving	$2961	$504
Illegal turn	$2972	$495
Wrong way/wrong lane	$2972	$506
Speeding in school zone	$3015	$502
Driving with expired registration	$3037	$517
Failure to stop at a red light	$3069	$511
Improper passing	$3069	$522
Speeding 16 - 20 MPH over limit	$3411	$569
Open container	$4019	$684
Driving with a suspended license	$4502	$751
Racing	$5805	$986
Reckless driving	$6309	$1051
Leaving scene of an accident/hit and run	$6469	$1100
DUI	$6673	$1112

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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 Melvindale 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 Melvindale.

The cheapest car insurance premiums in Melvindale are offered by Chubb at $545 for a six-month policy. However, it can be as expensive as $16850 with companies like Allstate.

Melvindale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$545	$90
Auto-Owners Insurance Co	$1444	$245
Grange	$1454	$243
Farmers	$1476	$250
Progressive	$1625	$274
Pioneer State Mutual Ins Co	$1753	$299
USAA	$1946	$328
Travelers	$2149	$365
Auto-Owners	$3476	$585
Westfield	$3539	$596
AAA	$3902	$657
Bristol West	$5004	$851
Pioneer State Mutual	$6298	$1049
Farm Bureau	$7409	$1260
State Farm	$9164	$1543
Frankenmuth	$16583	$2821
Allstate	$16850	$2808

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 Melvindale are offered by Westfield at $470. However, it can be as expensive as $21267 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Melvindale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$470	$79
Chubb	$545	$90
Encompass	$578	$99
Travelers	$706	$117
Auto-Owners Insurance Co	$749	$128
Farm Bureau Ins of MI	$1069	$178
Grange	$1134	$193
Auto-Owners	$1422	$238
USAA	$1454	$247
AAA	$1840	$306
Farm Bureau	$1903	$324
Pioneer State Mutual	$2095	$349
Progressive	$2138	$360
Frankenmuth	$3422	$571
State Farm	$6223	$1058
Allstate	$4223	$718
Farmers	$21267	$3616

Car Insurance Price Trends in Melvindale, Michigan

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

The average cost of full coverage in the Melvindale dipped by $378 in January compared to $482 of December. In other words, there has been an decrease by $104 when you compare January and December.

The average cost of liability insurance in the Melvindale dipped to $133 in January, compared to $160 in December. This represents an decrease of $27 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Melvindale?

The car insurance in Melvindale is $63 per month, which is lower than the national average.

What is the cheapest car insurance in Melvindale?

The cheapest car insurance in Melvindale is $149 per month for full coverage.

How much is car insurance in Melvindale for teenagers?

Car insurance for teenagers costs $439 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 Melvindale?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $401 per month to insure your car in Melvindale.

Is car insurance expensive in Melvindale?

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

Cheapest Car Insurance Quotes in Melvindale

Why you can trust Way?

How Much Is Car Insurance in Melvindale

Avg. Car Insurance in Melvindale

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Melvindale

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Melvindale Car Insurance Rates by Company

Cheap Car Insurance Companies in Melvindale, MI

Way's key takeaways about car insurance in Melvindale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Melvindale

Cheapest Liability Coverage in Melvindale, MI

Cheapest Full Coverage Car Insurance in Melvindale

Cheapest Full Coverage Car Insurance Quotes in Melvindale, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Melvindale by Rating Factor

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

Car Insurance Premiums by Age in Melvindale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Melvindale,MI

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

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 Melvindale

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

Melvindale Car Insurance Rates by Violation

Melvindale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Melvindale after a DUI

Melvindale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Melvindale after Speeding ticket

Car Insurance Price Trends in Melvindale, Michigan

Average Car Insurance Cost in Melvindale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Melvindale, MI

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

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