Cheapest Car Insurance Quotes in Mount Pleasant

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Mount Pleasant Car Insurance

^$ 32

/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 Pleasant

The car insurance rate in Mount Pleasant is $1205 for a six-month policy, which is $119 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $449, making it a popular choice for budget-conscious drivers. Rates in Mount Pleasant 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 Pleasant

$1205

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Mount Pleasant

1st place: Travelers

At $449 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $573 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $622 for six months, making it the third cheapest auto insurance company in Mount Pleasant.

Mount Pleasant Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Pleasant, MI is Travelers, offering policies at just $449 for a six-month term. This is followed by USAA, which has an average six-month premium of $573.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $741 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Pleasant drivers find the best deals.

Cheap Car Insurance Companies in Mount Pleasant, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$449	$76
USAA	$573	$96
Encompass	$622	$106
Auto-Owners Insurance Co	$638	$106
Chubb	$671	$114
Farm Bureau Ins of MI	$789	$132
Auto-Owners	$827	$139
AAA	$833	$140
Pioneer State Mutual Ins Co	$859	$147
Progressive	$881	$148
Westfield	$1070	$180
Farm Bureau	$1530	$255
Pioneer State Mutual	$1665	$283
State Farm	$1778	$299
Frankenmuth	$1892	$322
Bristol West	$2135	$356
Allstate	$1638	$278
Farmers	$3319	$564
Hastings Mutual	$741	$124

Key Takeaways

Way's key takeaways about car insurance in Mount Pleasant

The auto insurance costs in Mount Pleasant fall around $449 for six months.
The cheapest auto insurance company in Mount Pleasant is Travelers.
Teen drivers pay the highest rate in Mount Pleasant at $879 per month.

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Cheapest Minimum Liability Car Insurance in Mount Pleasant

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 Pleasant are given below.

Travelers provides the cheapest minimum car insurance coverage in Mount Pleasant. Their Average 6 Month Premium is $189. Farmers is the most expensive at $1724 for the same period.

Cheapest Liability Coverage in Mount Pleasant, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$189	$32
Westfield	$200	$34
USAA	$238	$40
Encompass	$259	$44
Chubb	$276	$47
Auto-Owners Insurance Co	$298	$49
Auto-Owners	$329	$56
Progressive	$373	$63
AAA	$379	$65
Farm Bureau Ins of MI	$384	$64
Farm Bureau	$481	$82
Pioneer State Mutual	$487	$81
Frankenmuth	$573	$97
State Farm	$886	$149
Bristol West	$892	$152
Allstate	$697	$118
Farmers	$1724	$288

Cheapest Full Coverage Car Insurance in Mount Pleasant

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 Pleasant is Travelers at $76 per month and $449 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Pleasant, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$449	$76
USAA	$573	$96
Encompass	$622	$106
Auto-Owners Insurance Co	$638	$106
Chubb	$671	$114
Farm Bureau Ins of MI	$789	$132
Auto-Owners	$827	$139
AAA	$833	$140
Pioneer State Mutual Ins Co	$859	$147
Progressive	$881	$148
Westfield	$1070	$180
Farm Bureau	$1530	$255
Pioneer State Mutual	$1665	$283
State Farm	$1778	$299
Frankenmuth	$1892	$322
Bristol West	$2135	$356
Allstate	$1638	$278
Farmers	$3319	$564
Hastings Mutual	$741	$124

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Average Car Insurance in Mount Pleasant 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 Pleasant, MI increasing?

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

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 Mount Pleasant,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Mount Pleasant at $37 per month. At $5275 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$222	$37
Westfield	$238	$40
Encompass	$259	$44
Chubb	$308	$53
Auto-Owners Insurance Co	$324	$54
Grange	$421	$72
USAA	$914	$154
Auto-Owners	$1146	$193
AAA	$1487	$250
Progressive	$2098	$353
Farm Bureau	$2497	$416
Pioneer State Mutual	$2929	$498
Frankenmuth	$3492	$582
State Farm	$4909	$834
Allstate	$3546	$603
Farmers	$15222	$2588
Bristol West	$5275	$879

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 Mount Pleasant, Travelers is the cheapest car insurance provider. At $362 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 Pleasant is Farm Bureau Ins of MI, offering rates of around $1146 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$362	$60
Encompass	$373	$64
Progressive	$524	$87
Westfield	$551	$94
Auto-Owners Insurance Co	$584	$97
Pioneer State Mutual Ins Co	$713	$121
Grange	$903	$150
Farm Bureau Ins of MI	$1146	$195

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Car Insurance Rates with An Accident in Mount Pleasant

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

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

The cheapest car insurance companies after an at-fault accident in Mount Pleasant include Chubb and Westfield, offering $276 and $292, respectively. Pioneer State is an expensive provider with an average six-month premium of $432.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$276	$47
Westfield	$292	$48
Auto-Owners Insurance Co	$340	$58
Encompass	$384	$64
Farm Bureau Ins of MI	$454	$77
Pioneer State Mutual Ins Co	$502	$84
Travelers	$535	$90
USAA	$697	$117
Progressive	$827	$139
Auto-Owners	$962	$162
AAA	$1146	$193
Farm Bureau	$1870	$312
Pioneer State Mutual	$1995	$339
State Farm	$2254	$376
Frankenmuth	$2432	$414
Allstate	$2611	$435
Farmers	$4665	$794
Pioneer State	$432	$72

Mount Pleasant Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Pleasant MI. For example, the car insurance in Mount Pleasant after a DUI increases to $2184 for a six month policy. While the rate increases by $1189 for a six-month policy in the case of a speeding ticket.

Mount Pleasant auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1189	$198
Failure to wear a seat belt	$1411	$240
Cell phone violation	$1497	$249
Texting while driving	$1497	$255
Illegal turn	$1502	$250
Wrong way/wrong lane	$1502	$256
Speeding in school zone	$1524	$254
Driving with expired registration	$1535	$261
Failure to stop at a red light	$1552	$258
Improper passing	$1552	$264
Speeding 16 - 20 MPH over limit	$1724	$288
Open container	$2032	$346
Driving with a suspended license	$2276	$379
Racing	$2935	$499
Reckless driving	$3190	$531
Leaving scene of an accident/hit and run	$3271	$556
DUI	$3373	$562

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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 Pleasant 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 Pleasant.

The cheapest car insurance premiums in Mount Pleasant are offered by Chubb at $276 for a six-month policy. However, it can be as expensive as $8519 with companies like Allstate.

Mount Pleasant car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$276	$46
Auto-Owners Insurance Co	$730	$124
Grange	$735	$123
Farmers	$746	$126
Progressive	$822	$138
Pioneer State Mutual Ins Co	$886	$151
USAA	$984	$166
Travelers	$1087	$185
Auto-Owners	$1757	$296
Westfield	$1789	$301
AAA	$1973	$332
Bristol West	$2530	$430
Pioneer State Mutual	$3184	$531
Farm Bureau	$3746	$637
State Farm	$4633	$780
Frankenmuth	$8384	$1426
Allstate	$8519	$1420

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 Pleasant are offered by Westfield at $238. However, it can be as expensive as $10752 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Mount Pleasant after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$238	$40
Chubb	$276	$46
Encompass	$292	$50
Travelers	$357	$59
Auto-Owners Insurance Co	$379	$65
Farm Bureau Ins of MI	$541	$90
Grange	$573	$97
Auto-Owners	$719	$120
USAA	$735	$125
AAA	$930	$155
Farm Bureau	$962	$164
Pioneer State Mutual	$1059	$177
Progressive	$1081	$182
Frankenmuth	$1730	$288
State Farm	$3146	$535
Allstate	$2135	$363
Farmers	$10752	$1828

Car Insurance Price Trends in Mount Pleasant, Michigan

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

The average cost of full coverage in the Mount Pleasant dipped by $191 in January compared to $244 of December. In other words, there has been an decrease by $53 when you compare January and December.

The average cost of liability insurance in the Mount Pleasant dipped to $67 in January, compared to $81 in December. This represents an decrease of $14 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Mount Pleasant?

The car insurance in Mount Pleasant is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Mount Pleasant?

The cheapest car insurance in Mount Pleasant is $76 per month for full coverage.

How much is car insurance in Mount Pleasant for teenagers?

Car insurance for teenagers costs $222 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 Pleasant?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $203 per month to insure your car in Mount Pleasant.

Is car insurance expensive in Mount Pleasant?

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

Cheapest Car Insurance Quotes in Mount Pleasant

Why you can trust Way?

How Much Is Car Insurance in Mount Pleasant

Avg. Car Insurance in Mount Pleasant

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Mount Pleasant

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Mount Pleasant Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Pleasant, MI

Way's key takeaways about car insurance in Mount Pleasant

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Pleasant

Cheapest Liability Coverage in Mount Pleasant, MI

Cheapest Full Coverage Car Insurance in Mount Pleasant

Cheapest Full Coverage Car Insurance Quotes in Mount Pleasant, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Pleasant by Rating Factor

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

Car Insurance Premiums by Age in Mount Pleasant

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Pleasant

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

Mount Pleasant Car Insurance Rates by Violation

Mount Pleasant auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Pleasant after a DUI

Mount Pleasant car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Pleasant after Speeding ticket

Car Insurance Price Trends in Mount Pleasant, Michigan

Average Car Insurance Cost in Mount Pleasant by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Pleasant, MI

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

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