Cheapest Car Insurance Quotes in Melvindale

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Melvindale Car Insurance

^$ 72

/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 $2466 for a six-month policy, which is $1263 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1011, 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

$2466

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Melvindale

1st place: Travelers

At $1011 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1267 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1400 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 $1011 for a six-month term. This is followed by USAA, which has an average six-month premium of $1267.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1669 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	$1011	$170
USAA	$1267	$213
Encompass	$1400	$234
Auto-Owners Insurance Co	$1437	$244
Chubb	$1511	$252
Auto-Owners	$1693	$285
AAA	$1728	$291
Farm Bureau Ins of MI	$1777	$301
Pioneer State Mutual Ins Co	$1935	$322
Progressive	$1935	$326
Westfield	$2411	$406
Farm Bureau	$2716	$461
State Farm	$3458	$582
Allstate	$3690	$627
Bristol West	$4809	$802
Farmers	$7476	$1271
Hastings Mutual	$1669	$279

Key Takeaways

Way's key takeaways about car insurance in Melvindale

The auto insurance costs in Melvindale fall around $1011 for six months.
The cheapest auto insurance company in Melvindale is Travelers.
Teen drivers pay the highest rate in Melvindale at $1980 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 $426. Hastings Mutual is the most expensive at $730 for the same period.

Cheapest Liability Coverage in Melvindale, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$426	$72
Westfield	$451	$76
USAA	$572	$96
Encompass	$584	$98
Chubb	$621	$102
Auto-Owners Insurance Co	$670	$115
Auto-Owners	$791	$133
Farm Bureau Ins of MI	$865	$148
Progressive	$890	$150
AAA	$1060	$180
Farm Bureau	$1339	$223
Allstate	$1570	$267
Bristol West	$2009	$334
State Farm	$2155	$363
Farmers	$3885	$648
Hastings Mutual	$730	$121

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 $170 per month and $1011 for six months.

Cheapest Full Coverage Car Insurance Quotes in Melvindale, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1011	$170
USAA	$1267	$213
Encompass	$1400	$234
Auto-Owners Insurance Co	$1437	$244
Chubb	$1511	$252
Auto-Owners	$1693	$285
AAA	$1728	$291
Farm Bureau Ins of MI	$1777	$301
Pioneer State Mutual Ins Co	$1935	$322
Progressive	$1935	$326
Westfield	$2411	$406
Farm Bureau	$2716	$461
State Farm	$3458	$582
Allstate	$3690	$627
Bristol West	$4809	$802
Farmers	$7476	$1271
Hastings Mutual	$1669	$279

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Chubb	$572
30s	USAA	$435
40s	USAA	$416
50s	USAA	$400
60s	Chubb	$365
70s	Chubb	$400

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 $84 per month. At $11884 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$500	$84
Westfield	$535	$90
Encompass	$584	$98
Chubb	$695	$119
Auto-Owners Insurance Co	$730	$121
Grange	$949	$162
USAA	$1925	$324
Auto-Owners	$2302	$387
AAA	$3069	$517
Farm Bureau	$4420	$752
Progressive	$4738	$797
Allstate	$7989	$1359
State Farm	$8196	$1365
Farmers	$34290	$5830
Bristol West	$11884	$1980

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 Melvindale.

As young drivers face the highest rates in Melvindale, Chubb offers the cheapest auto insurance rates at $572 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 Melvindale, Travelers is the cheapest car insurance provider. At $816 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 $2581 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$816	$139
Encompass	$840	$139
Progressive	$1181	$201
Westfield	$1242	$207
Auto-Owners Insurance Co	$1316	$223
Pioneer State Mutual Ins Co	$1607	$269
Grange	$2034	$346
Farm Bureau Ins of MI	$2581	$430

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

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 $621 and $658, respectively. Pioneer State is an expensive provider with an average six-month premium of $974.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$621	$107
Westfield	$658	$109
Auto-Owners Insurance Co	$767	$131
Encompass	$865	$144
Farm Bureau Ins of MI	$1023	$174
Pioneer State Mutual Ins Co	$1132	$189
Travelers	$1205	$203
USAA	$1511	$254
Progressive	$1669	$281
Auto-Owners	$1863	$314
AAA	$2386	$402
Farm Bureau	$3325	$554
State Farm	$3786	$644
Allstate	$5881	$980
Farmers	$10508	$1788
Pioneer State	$974	$162

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 $4920 for a six month policy. While the rate increases by $2679 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	$2679	$447
Failure to wear a seat belt	$3177	$541
Cell phone violation	$3372	$562
Texting while driving	$3372	$574
Illegal turn	$3385	$564
Wrong way/wrong lane	$3385	$576
Speeding in school zone	$3434	$572
Driving with expired registration	$3458	$588
Failure to stop at a red light	$3495	$582
Improper passing	$3495	$595
Speeding 16 - 20 MPH over limit	$3885	$648
Open container	$4578	$779
Driving with a suspended license	$5127	$855
Racing	$6611	$1123
Reckless driving	$7185	$1197
Leaving scene of an accident/hit and run	$7368	$1253
DUI	$7599	$1267

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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 $621 for a six-month policy. However, it can be as expensive as $19190 with companies like Allstate.

Melvindale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$621	$102
Auto-Owners Insurance Co	$1644	$279
Grange	$1656	$277
Progressive	$1765	$297
Pioneer State Mutual Ins Co	$1997	$332
USAA	$2155	$363
Travelers	$2448	$408
Auto-Owners	$3702	$623
Westfield	$4030	$679
AAA	$4164	$701
Bristol West	$5699	$949
Farmers	$5845	$984
Farm Bureau	$6917	$1152
State Farm	$8706	$1466
Allstate	$19190	$3198

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 $535. However, it can be as expensive as $24221 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	$535	$90
Chubb	$621	$102
Encompass	$658	$113
Travelers	$804	$133
Auto-Owners Insurance Co	$853	$146
Farm Bureau Ins of MI	$1218	$203
USAA	$1267	$215
Grange	$1292	$215
Auto-Owners	$1777	$301
Progressive	$2606	$439
AAA	$2642	$449
Farm Bureau	$2655	$443
Allstate	$4809	$818
State Farm	$8073	$1345
Farmers	$24221	$4118

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 $549 in December compared to $564 of November. In other words, there has been an decrease by $15 when you compare December and November.

The average cost of liability insurance in the Melvindale rose to $182 in December, compared to $168 in November. This represents an increase of $14 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Melvindale?

The car insurance in Melvindale is $72 per month, which is lower than the national average.

What is the cheapest car insurance in Melvindale?

The cheapest car insurance in Melvindale is $170 per month for full coverage.

How much is car insurance in Melvindale for teenagers?

Car insurance for teenagers costs $500 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 $1203 for a six-month policy. It will cost around $414 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 Chubb 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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