Cheapest Car Insurance Quotes in Minden City

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Minden City 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 Minden City

The car insurance rate in Minden City is $1443 for a six-month policy, which is $119 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $537, making it a popular choice for budget-conscious drivers. Rates in Minden City 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 Minden City

$1443

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Minden City

1st place: Travelers

At $537 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $687 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $744 for six months, making it the third cheapest auto insurance company in Minden City.

Minden City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Minden City, MI is Travelers, offering policies at just $537 for a six-month term. This is followed by USAA, which has an average six-month premium of $687.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $887 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Minden City drivers find the best deals.

Cheap Car Insurance Companies in Minden City, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$537	$90
USAA	$687	$116
Encompass	$744	$126
Auto-Owners Insurance Co	$764	$128
Chubb	$803	$136
Farm Bureau Ins of MI	$945	$158
Auto-Owners	$991	$167
AAA	$997	$168
Pioneer State Mutual Ins Co	$1029	$175
Progressive	$1055	$178
Westfield	$1282	$216
Farm Bureau	$1832	$305
Pioneer State Mutual	$1995	$339
State Farm	$2130	$359
Frankenmuth	$2266	$386
Bristol West	$2557	$426
Allstate	$1962	$334
Farmers	$3975	$676
Hastings Mutual	$887	$148

Key Takeaways

Way's key takeaways about car insurance in Minden City

The auto insurance costs in Minden City fall around $537 for six months.
The cheapest auto insurance company in Minden City is Travelers.
Teen drivers pay the highest rate in Minden City at $1053 per month.

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Cheapest Minimum Liability Car Insurance in Minden City

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 Minden City are given below.

Travelers provides the cheapest minimum car insurance coverage in Minden City. Their Average 6 Month Premium is $227. Farmers is the most expensive at $2066 for the same period.

Cheapest Liability Coverage in Minden City, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$227	$38
Westfield	$240	$40
USAA	$284	$48
Encompass	$311	$52
Chubb	$330	$57
Auto-Owners Insurance Co	$356	$59
Auto-Owners	$395	$66
Progressive	$447	$75
AAA	$453	$77
Farm Bureau Ins of MI	$460	$76
Farm Bureau	$577	$98
Pioneer State Mutual	$583	$97
Frankenmuth	$687	$117
State Farm	$1062	$179
Bristol West	$1068	$182
Allstate	$835	$142
Farmers	$2066	$344

Cheapest Full Coverage Car Insurance in Minden City

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 Minden City is Travelers at $90 per month and $537 for six months.

Cheapest Full Coverage Car Insurance Quotes in Minden City, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$537	$90
USAA	$687	$116
Encompass	$744	$126
Auto-Owners Insurance Co	$764	$128
Chubb	$803	$136
Farm Bureau Ins of MI	$945	$158
Auto-Owners	$991	$167
AAA	$997	$168
Pioneer State Mutual Ins Co	$1029	$175
Progressive	$1055	$178
Westfield	$1282	$216
Farm Bureau	$1832	$305
Pioneer State Mutual	$1995	$339
State Farm	$2130	$359
Frankenmuth	$2266	$386
Bristol West	$2557	$426
Allstate	$1962	$334
Farmers	$3975	$676
Hastings Mutual	$887	$148

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Average Car Insurance in Minden City 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 Minden City, MI increasing?

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

Car Insurance Premiums by Age in Minden City

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 Minden City,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Minden City at $45 per month. At $6319 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$266	$45
Westfield	$284	$48
Encompass	$311	$52
Chubb	$370	$63
Auto-Owners Insurance Co	$388	$64
Grange	$505	$86
USAA	$1094	$184
Auto-Owners	$1372	$231
AAA	$1781	$300
Progressive	$2512	$423
Farm Bureau	$2991	$498
Pioneer State Mutual	$3509	$596
Frankenmuth	$4182	$698
State Farm	$5879	$1000
Allstate	$4248	$723
Farmers	$18232	$3100
Bristol West	$6319	$1053

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 Minden City, Travelers is the cheapest car insurance provider. At $434 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 Minden City is Farm Bureau Ins of MI, offering rates of around $1372 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$434	$72
Encompass	$447	$76
Progressive	$628	$105
Westfield	$661	$112
Auto-Owners Insurance Co	$700	$117
Pioneer State Mutual Ins Co	$855	$145
Grange	$1081	$180
Farm Bureau Ins of MI	$1372	$233

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Car Insurance Rates with An Accident in Minden City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Minden City

The cheapest car insurance companies after an at-fault accident in Minden City include Chubb and Westfield, offering $330 and $350, respectively. Pioneer State is an expensive provider with an average six-month premium of $518.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$330	$57
Westfield	$350	$58
Auto-Owners Insurance Co	$408	$70
Encompass	$460	$76
Farm Bureau Ins of MI	$544	$93
Pioneer State Mutual Ins Co	$602	$100
Travelers	$641	$108
USAA	$835	$141
Progressive	$991	$167
Auto-Owners	$1152	$194
AAA	$1372	$231
Farm Bureau	$2240	$374
Pioneer State Mutual	$2389	$407
State Farm	$2700	$450
Frankenmuth	$2914	$496
Allstate	$3127	$521
Farmers	$5587	$950
Pioneer State	$518	$86

Minden City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Minden City MI. For example, the car insurance in Minden City after a DUI increases to $2616 for a six month policy. While the rate increases by $1425 for a six-month policy in the case of a speeding ticket.

Minden City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1425	$238
Failure to wear a seat belt	$1690	$288
Cell phone violation	$1793	$299
Texting while driving	$1793	$305
Illegal turn	$1800	$300
Wrong way/wrong lane	$1800	$306
Speeding in school zone	$1826	$304
Driving with expired registration	$1839	$313
Failure to stop at a red light	$1858	$310
Improper passing	$1858	$316
Speeding 16 - 20 MPH over limit	$2066	$344
Open container	$2434	$414
Driving with a suspended license	$2726	$455
Racing	$3515	$597
Reckless driving	$3820	$637
Leaving scene of an accident/hit and run	$3917	$666
DUI	$4041	$674

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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 Minden City 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 Minden City.

The cheapest car insurance premiums in Minden City are offered by Chubb at $330 for a six-month policy. However, it can be as expensive as $10203 with companies like Allstate.

Minden City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$330	$55
Auto-Owners Insurance Co	$874	$148
Grange	$881	$147
Farmers	$894	$152
Progressive	$984	$166
Pioneer State Mutual Ins Co	$1062	$181
USAA	$1178	$198
Travelers	$1301	$221
Auto-Owners	$2105	$354
Westfield	$2143	$361
AAA	$2363	$398
Bristol West	$3030	$516
Pioneer State Mutual	$3814	$635
Farm Bureau	$4486	$763
State Farm	$5549	$934
Frankenmuth	$10042	$1708
Allstate	$10203	$1700

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 Minden City are offered by Westfield at $284. However, it can be as expensive as $12878 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Minden City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$284	$48
Chubb	$330	$55
Encompass	$350	$60
Travelers	$427	$71
Auto-Owners Insurance Co	$453	$77
Farm Bureau Ins of MI	$647	$108
Grange	$687	$117
Auto-Owners	$861	$144
USAA	$881	$149
AAA	$1114	$185
Farm Bureau	$1152	$196
Pioneer State Mutual	$1269	$211
Progressive	$1295	$218
Frankenmuth	$2072	$346
State Farm	$3768	$641
Allstate	$2557	$435
Farmers	$12878	$2190

Car Insurance Price Trends in Minden City, Michigan

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

The average cost of full coverage in the Minden City dipped by $229 in January compared to $292 of December. In other words, there has been an decrease by $63 when you compare January and December.

The average cost of liability insurance in the Minden City dipped to $81 in January, compared to $97 in December. This represents an decrease of $16 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Minden City?

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

What is the cheapest car insurance in Minden City?

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

How much is car insurance in Minden City for teenagers?

Car insurance for teenagers costs $266 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 Minden City?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $243 per month to insure your car in Minden City.

Is car insurance expensive in Minden City?

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

Cheapest Car Insurance Quotes in Minden City

Why you can trust Way?

How Much Is Car Insurance in Minden City

Avg. Car Insurance in Minden City

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Minden City

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Minden City Car Insurance Rates by Company

Cheap Car Insurance Companies in Minden City, MI

Way's key takeaways about car insurance in Minden City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Minden City

Cheapest Liability Coverage in Minden City, MI

Cheapest Full Coverage Car Insurance in Minden City

Cheapest Full Coverage Car Insurance Quotes in Minden City, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Minden City by Rating Factor

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

Car Insurance Premiums by Age in Minden City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Minden City,MI

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

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 Minden City

Cheapest Car Insurance Companies after an At-Fault Accident in Minden City

Minden City Car Insurance Rates by Violation

Minden City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Minden City after a DUI

Minden City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Minden City after Speeding ticket

Car Insurance Price Trends in Minden City, Michigan

Average Car Insurance Cost in Minden City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Minden City, MI

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

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