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Niles Car Insurance
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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.
The car insurance rate in Niles 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 Niles 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.
At $449 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.
USAA offers auto insurance rates at $573 for a six-month policy, making it one of the cheapest to insure with.
Encompass offers auto insurance rates at $622 for six months, making it the third cheapest auto insurance company in Niles.
Based on our research, the cheapest car insurance company in Niles, 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 Niles drivers find the best deals.
| 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 |
Save up to $971/yr with our auto insurance quotes
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 Niles are given below.
Travelers provides the cheapest minimum car insurance coverage in Niles. Their Average 6 Month Premium is $189. Farmers is the most expensive at $1724 for the same period.
| 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 |
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 Niles is Travelers at $76 per month and $449 for six months.
| 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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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.
Despite maintaining a clean driving record, your car insurance rates in Niles, 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, Niles's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Niles 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
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.
For those with poor credit scores in Niles, 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 Niles 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 |
Save up to $971/yr on car insurance rates in Niles.
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 Niles, MI, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Niles 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 |
Here is a list of driving violations that can increase your car insurance rates in Niles MI. For example, the car insurance in Niles 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.
| 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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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.
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 Niles.
The cheapest car insurance premiums in Niles are offered by Chubb at $276 for a six-month policy. However, it can be as expensive as $8519 with companies like Allstate.
| 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 |
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 Niles are offered by Westfield at $238. However, it can be as expensive as $10752 with companies like Farmers for a similar six-month premium.
| 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 rates in Niles have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Niles 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 Niles dipped to $67 in January, compared to $81 in December. This represents an decrease of $14 when comparing January and December.
How much is car insurance in Niles?
The car insurance in Niles is $32 per month, which is lower than the national average.
What is the cheapest car insurance in Niles?
The cheapest car insurance in Niles is $76 per month for full coverage.
How much is car insurance in Niles 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 Niles?
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 Niles.
Is car insurance expensive in Niles?
Car insurance can be expensive in Niles if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Niles can be affordable.
What is the best car insurance in Niles, MI?
The best car insurance company in Niles MI is Travelers, offering $449 for a six-month policy.
Cut auto insurance costs in Niles right now.