Cheapest Car Insurance Quotes in Mount Morris

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Mount Morris 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 Morris

The car insurance rate in Mount Morris is $1780 for a six-month policy, which is $577 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $730, making it a popular choice for budget-conscious drivers. Rates in Mount Morris 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 Morris

$1780

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Mount Morris

1st place: Travelers

At $730 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $915 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1011 for six months, making it the third cheapest auto insurance company in Mount Morris.

Mount Morris Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Morris, MI is Travelers, offering policies at just $730 for a six-month term. This is followed by USAA, which has an average six-month premium of $915.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1205 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Morris drivers find the best deals.

Cheap Car Insurance Companies in Mount Morris, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$730	$123
USAA	$915	$154
Encompass	$1011	$169
Auto-Owners Insurance Co	$1037	$176
Chubb	$1091	$182
Auto-Owners	$1222	$206
AAA	$1248	$210
Farm Bureau Ins of MI	$1283	$218
Pioneer State Mutual Ins Co	$1397	$232
Progressive	$1397	$235
Westfield	$1740	$293
Farm Bureau	$1961	$333
State Farm	$2497	$420
Allstate	$2664	$453
Bristol West	$3472	$579
Farmers	$5398	$918
Hastings Mutual	$1205	$201

Key Takeaways

Way's key takeaways about car insurance in Mount Morris

The auto insurance costs in Mount Morris fall around $730 for six months.
The cheapest auto insurance company in Mount Morris is Travelers.
Teen drivers pay the highest rate in Mount Morris at $1430 per month.

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Cheapest Minimum Liability Car Insurance in Mount Morris

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 Morris are given below.

Travelers provides the cheapest minimum car insurance coverage in Mount Morris. Their Average 6 Month Premium is $308. Hastings Mutual is the most expensive at $527 for the same period.

Cheapest Liability Coverage in Mount Morris, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$308	$52
Westfield	$326	$55
USAA	$413	$70
Encompass	$422	$71
Chubb	$448	$74
Auto-Owners Insurance Co	$484	$83
Auto-Owners	$571	$96
Farm Bureau Ins of MI	$625	$107
Progressive	$642	$108
AAA	$765	$130
Farm Bureau	$966	$161
Allstate	$1134	$192
Bristol West	$1450	$241
State Farm	$1555	$262
Farmers	$2805	$468
Hastings Mutual	$527	$87

Cheapest Full Coverage Car Insurance in Mount Morris

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 Morris is Travelers at $123 per month and $730 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Morris, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$730	$123
USAA	$915	$154
Encompass	$1011	$169
Auto-Owners Insurance Co	$1037	$176
Chubb	$1091	$182
Auto-Owners	$1222	$206
AAA	$1248	$210
Farm Bureau Ins of MI	$1283	$218
Pioneer State Mutual Ins Co	$1397	$232
Progressive	$1397	$235
Westfield	$1740	$293
Farm Bureau	$1961	$333
State Farm	$2497	$420
Allstate	$2664	$453
Bristol West	$3472	$579
Farmers	$5398	$918
Hastings Mutual	$1205	$201

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Average Car Insurance in Mount Morris 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 Morris, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Mount Morris, 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 Morris'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 Morris

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	$413
30s	USAA	$314
40s	USAA	$300
50s	USAA	$289
60s	Chubb	$263
70s	Chubb	$289

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

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Mount Morris at $61 per month. At $8580 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$361	$61
Westfield	$386	$65
Encompass	$422	$71
Chubb	$502	$86
Auto-Owners Insurance Co	$527	$87
Grange	$685	$117
USAA	$1390	$234
Auto-Owners	$1662	$280
AAA	$2216	$373
Farm Bureau	$3191	$543
Progressive	$3420	$576
Allstate	$5768	$981
State Farm	$5917	$986
Farmers	$24756	$4209
Bristol West	$8580	$1430

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 Morris.

As young drivers face the highest rates in Mount Morris, Chubb offers the cheapest auto insurance rates at $413 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 Morris, Travelers is the cheapest car insurance provider. At $589 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 Morris is Farm Bureau Ins of MI, offering rates of around $1863 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$589	$101
Encompass	$607	$101
Progressive	$852	$145
Westfield	$897	$149
Auto-Owners Insurance Co	$950	$161
Pioneer State Mutual Ins Co	$1160	$194
Grange	$1468	$250
Farm Bureau Ins of MI	$1863	$311

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

Car Insurance Rates with An Accident in Mount Morris

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

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

The cheapest car insurance companies after an at-fault accident in Mount Morris include Chubb and Westfield, offering $448 and $475, respectively. Pioneer State is an expensive provider with an average six-month premium of $703.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$448	$77
Westfield	$475	$78
Auto-Owners Insurance Co	$554	$95
Encompass	$625	$104
Farm Bureau Ins of MI	$739	$126
Pioneer State Mutual Ins Co	$817	$136
Travelers	$870	$147
USAA	$1091	$184
Progressive	$1205	$203
Auto-Owners	$1345	$226
AAA	$1723	$290
Farm Bureau	$2401	$400
State Farm	$2734	$465
Allstate	$4246	$707
Farmers	$7586	$1291
Pioneer State	$703	$117

Mount Morris Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Morris MI. For example, the car insurance in Mount Morris after a DUI increases to $3552 for a six month policy. While the rate increases by $1934 for a six-month policy in the case of a speeding ticket.

Mount Morris auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1934	$323
Failure to wear a seat belt	$2294	$391
Cell phone violation	$2435	$406
Texting while driving	$2435	$414
Illegal turn	$2443	$407
Wrong way/wrong lane	$2443	$416
Speeding in school zone	$2479	$413
Driving with expired registration	$2497	$425
Failure to stop at a red light	$2523	$420
Improper passing	$2523	$429
Speeding 16 - 20 MPH over limit	$2805	$468
Open container	$3305	$562
Driving with a suspended license	$3701	$617
Racing	$4773	$811
Reckless driving	$5187	$864
Leaving scene of an accident/hit and run	$5319	$904
DUI	$5486	$915

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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 Morris 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 Morris.

The cheapest car insurance premiums in Mount Morris are offered by Chubb at $448 for a six-month policy. However, it can be as expensive as $13854 with companies like Allstate.

Mount Morris car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$448	$74
Auto-Owners Insurance Co	$1187	$201
Grange	$1196	$200
Progressive	$1274	$215
Pioneer State Mutual Ins Co	$1442	$240
USAA	$1555	$262
Travelers	$1767	$295
Auto-Owners	$2673	$450
Westfield	$2910	$490
AAA	$3006	$506
Bristol West	$4114	$685
Farmers	$4219	$710
Farm Bureau	$4994	$832
State Farm	$6286	$1058
Allstate	$13854	$2309

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 Morris are offered by Westfield at $386. However, it can be as expensive as $17486 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Mount Morris after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$386	$65
Chubb	$448	$74
Encompass	$475	$81
Travelers	$580	$96
Auto-Owners Insurance Co	$616	$105
Farm Bureau Ins of MI	$879	$147
USAA	$915	$155
Grange	$932	$155
Auto-Owners	$1283	$218
Progressive	$1881	$317
AAA	$1908	$324
Farm Bureau	$1917	$320
Allstate	$3472	$591
State Farm	$5828	$971
Farmers	$17486	$2973

Car Insurance Price Trends in Mount Morris, Michigan

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

The average cost of full coverage in the Mount Morris dipped by $397 in December compared to $407 of November. In other words, there has been an decrease by $10 when you compare December and November.

The average cost of liability insurance in the Mount Morris rose to $132 in December, compared to $121 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 Morris?

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

What is the cheapest car insurance in Mount Morris?

The cheapest car insurance in Mount Morris is $123 per month for full coverage.

How much is car insurance in Mount Morris for teenagers?

Car insurance for teenagers costs $361 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 Morris?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $299 per month to insure your car in Mount Morris.

Is car insurance expensive in Mount Morris?

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

Cheapest Car Insurance Quotes in Mount Morris

Why you can trust Way?

How Much Is Car Insurance in Mount Morris

Avg. Car Insurance in Mount Morris

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Mount Morris

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Mount Morris Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Morris, MI

Way's key takeaways about car insurance in Mount Morris

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Morris

Cheapest Liability Coverage in Mount Morris, MI

Cheapest Full Coverage Car Insurance in Mount Morris

Cheapest Full Coverage Car Insurance Quotes in Mount Morris, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Morris by Rating Factor

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

Car Insurance Premiums by Age in Mount Morris

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Morris

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

Mount Morris Car Insurance Rates by Violation

Mount Morris auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Morris after a DUI

Mount Morris car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Morris after Speeding ticket

Car Insurance Price Trends in Mount Morris, Michigan

Average Car Insurance Cost in Mount Morris by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Morris, MI

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

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