Cheapest Car Insurance Quotes in Mount Clemens

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Mount Clemens Car Insurance

^$ 52

/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 Mount Clemens

The car insurance rate in Mount Clemens is $1792 for a six-month policy, which is $589 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $735, making it a popular choice for budget-conscious drivers. Rates in Mount Clemens 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 Mount Clemens

$1792

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Mount Clemens

1st place: Travelers

At $735 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $921 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1018 for six months, making it the third cheapest auto insurance company in Mount Clemens.

Mount Clemens Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Clemens, MI is Travelers, offering policies at just $735 for a six-month term. This is followed by USAA, which has an average six-month premium of $921.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1213 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Clemens drivers find the best deals.

Cheap Car Insurance Companies in Mount Clemens, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$735	$124
USAA	$921	$155
Encompass	$1018	$170
Auto-Owners Insurance Co	$1044	$177
Chubb	$1098	$183
Auto-Owners	$1231	$207
AAA	$1256	$212
Farm Bureau Ins of MI	$1292	$219
Pioneer State Mutual Ins Co	$1407	$234
Progressive	$1407	$237
Westfield	$1752	$295
Farm Bureau	$1974	$335
State Farm	$2514	$423
Allstate	$2682	$456
Bristol West	$3496	$583
Farmers	$5434	$924
Hastings Mutual	$1213	$203

Key Takeaways

Way's key takeaways about car insurance in Mount Clemens

The auto insurance costs in Mount Clemens fall around $735 for six months.
The cheapest auto insurance company in Mount Clemens is Travelers.
Teen drivers pay the highest rate in Mount Clemens at $1439 per month.

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Cheapest Minimum Liability Car Insurance in Mount Clemens

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 Mount Clemens are given below.

Travelers provides the cheapest minimum car insurance coverage in Mount Clemens. Their Average 6 Month Premium is $310. Hastings Mutual is the most expensive at $530 for the same period.

Cheapest Liability Coverage in Mount Clemens, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$310	$52
Westfield	$328	$55
USAA	$416	$70
Encompass	$425	$72
Chubb	$451	$75
Auto-Owners Insurance Co	$487	$83
Auto-Owners	$575	$97
Farm Bureau Ins of MI	$629	$107
Progressive	$647	$109
AAA	$770	$131
Farm Bureau	$973	$162
Allstate	$1141	$194
Bristol West	$1460	$243
State Farm	$1566	$264
Farmers	$2824	$471
Hastings Mutual	$530	$88

Cheapest Full Coverage Car Insurance in Mount Clemens

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 Mount Clemens is Travelers at $124 per month and $735 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Clemens, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$735	$124
USAA	$921	$155
Encompass	$1018	$170
Auto-Owners Insurance Co	$1044	$177
Chubb	$1098	$183
Auto-Owners	$1231	$207
AAA	$1256	$212
Farm Bureau Ins of MI	$1292	$219
Pioneer State Mutual Ins Co	$1407	$234
Progressive	$1407	$237
Westfield	$1752	$295
Farm Bureau	$1974	$335
State Farm	$2514	$423
Allstate	$2682	$456
Bristol West	$3496	$583
Farmers	$5434	$924
Hastings Mutual	$1213	$203

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Average Car Insurance in Mount Clemens 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 Mount Clemens, MI increasing?

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

Car Insurance Premiums by Age in Mount Clemens

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	$416
30s	USAA	$316
40s	USAA	$302
50s	USAA	$291
60s	Chubb	$265
70s	Chubb	$291

Cheapest Car Insurance Rates for Teen Drivers in Mount Clemens,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Mount Clemens at $61 per month. At $8638 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$364	$61
Westfield	$389	$66
Encompass	$425	$72
Chubb	$505	$86
Auto-Owners Insurance Co	$530	$88
Grange	$690	$118
USAA	$1399	$235
Auto-Owners	$1673	$282
AAA	$2231	$375
Farm Bureau	$3212	$547
Progressive	$3443	$580
Allstate	$5807	$988
State Farm	$5957	$992
Farmers	$24923	$4238
Bristol West	$8638	$1439

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 Mount Clemens.

As young drivers face the highest rates in Mount Clemens, Chubb offers the cheapest auto insurance rates at $416 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 Mount Clemens, Travelers is the cheapest car insurance provider. At $593 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 Mount Clemens is Farm Bureau Ins of MI, offering rates of around $1876 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$593	$101
Encompass	$611	$101
Progressive	$858	$146
Westfield	$903	$150
Auto-Owners Insurance Co	$957	$162
Pioneer State Mutual Ins Co	$1168	$195
Grange	$1478	$252
Farm Bureau Ins of MI	$1876	$313

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Car Insurance Rates with An Accident in Mount Clemens

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Clemens

The cheapest car insurance companies after an at-fault accident in Mount Clemens include Chubb and Westfield, offering $451 and $478, respectively. Pioneer State is an expensive provider with an average six-month premium of $708.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$451	$77
Westfield	$478	$79
Auto-Owners Insurance Co	$557	$95
Encompass	$629	$104
Farm Bureau Ins of MI	$744	$127
Pioneer State Mutual Ins Co	$822	$137
Travelers	$876	$148
USAA	$1098	$185
Progressive	$1213	$204
Auto-Owners	$1354	$228
AAA	$1734	$292
Farm Bureau	$2417	$402
State Farm	$2752	$468
Allstate	$4275	$712
Farmers	$7638	$1299
Pioneer State	$708	$118

Mount Clemens Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Clemens MI. For example, the car insurance in Mount Clemens after a DUI increases to $3576 for a six month policy. While the rate increases by $1947 for a six-month policy in the case of a speeding ticket.

Mount Clemens auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1947	$325
Failure to wear a seat belt	$2310	$393
Cell phone violation	$2451	$408
Texting while driving	$2451	$417
Illegal turn	$2460	$410
Wrong way/wrong lane	$2460	$419
Speeding in school zone	$2496	$416
Driving with expired registration	$2514	$428
Failure to stop at a red light	$2540	$423
Improper passing	$2540	$432
Speeding 16 - 20 MPH over limit	$2824	$471
Open container	$3327	$566
Driving with a suspended license	$3726	$621
Racing	$4805	$817
Reckless driving	$5222	$870
Leaving scene of an accident/hit and run	$5355	$910
DUI	$5523	$921

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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 Mount Clemens 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 Mount Clemens.

The cheapest car insurance premiums in Mount Clemens are offered by Chubb at $451 for a six-month policy. However, it can be as expensive as $13948 with companies like Allstate.

Mount Clemens car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$451	$75
Auto-Owners Insurance Co	$1195	$203
Grange	$1204	$201
Progressive	$1283	$216
Pioneer State Mutual Ins Co	$1451	$241
USAA	$1566	$264
Travelers	$1779	$297
Auto-Owners	$2691	$453
Westfield	$2929	$493
AAA	$3026	$510
Bristol West	$4142	$690
Farmers	$4248	$715
Farm Bureau	$5027	$837
State Farm	$6328	$1065
Allstate	$13948	$2324

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 Mount Clemens are offered by Westfield at $389. However, it can be as expensive as $17604 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Mount Clemens after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$389	$66
Chubb	$451	$75
Encompass	$478	$82
Travelers	$584	$97
Auto-Owners Insurance Co	$620	$106
Farm Bureau Ins of MI	$885	$148
USAA	$921	$156
Grange	$939	$156
Auto-Owners	$1292	$219
Progressive	$1894	$319
AAA	$1921	$326
Farm Bureau	$1930	$322
Allstate	$3496	$595
State Farm	$5868	$977
Farmers	$17604	$2993

Car Insurance Price Trends in Mount Clemens, Michigan

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

The average cost of full coverage in the Mount Clemens dipped by $399 in December compared to $410 of November. In other words, there has been an decrease by $11 when you compare December and November.

The average cost of liability insurance in the Mount Clemens rose to $133 in December, compared to $122 in November. This represents an increase of $11 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Mount Clemens?

The car insurance in Mount Clemens is $52 per month, which is lower than the national average.

What is the cheapest car insurance in Mount Clemens?

The cheapest car insurance in Mount Clemens is $124 per month for full coverage.

How much is car insurance in Mount Clemens for teenagers?

Car insurance for teenagers costs $364 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 Mount Clemens?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $301 per month to insure your car in Mount Clemens.

Is car insurance expensive in Mount Clemens?

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

Cheapest Car Insurance Quotes in Mount Clemens

Why you can trust Way?

How Much Is Car Insurance in Mount Clemens

Avg. Car Insurance in Mount Clemens

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Mount Clemens

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Mount Clemens Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Clemens, MI

Way's key takeaways about car insurance in Mount Clemens

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Clemens

Cheapest Liability Coverage in Mount Clemens, MI

Cheapest Full Coverage Car Insurance in Mount Clemens

Cheapest Full Coverage Car Insurance Quotes in Mount Clemens, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Clemens by Rating Factor

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

Car Insurance Premiums by Age in Mount Clemens

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mount Clemens,MI

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

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 Mount Clemens

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Clemens

Mount Clemens Car Insurance Rates by Violation

Mount Clemens auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Clemens after a DUI

Mount Clemens car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Clemens after Speeding ticket

Car Insurance Price Trends in Mount Clemens, Michigan

Average Car Insurance Cost in Mount Clemens by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Clemens, MI

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

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