Cheapest Car Insurance Quotes in Onaway

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Onaway Car Insurance

^$ 37

/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 Onaway

The car insurance rate in Onaway is $1390 for a six-month policy, which is $66 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $518, making it a popular choice for budget-conscious drivers. Rates in Onaway 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 Onaway

$1390

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Onaway

1st place: Travelers

At $518 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $662 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $717 for six months, making it the third cheapest auto insurance company in Onaway.

Onaway Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Onaway, MI is Travelers, offering policies at just $518 for a six-month term. This is followed by USAA, which has an average six-month premium of $662.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $855 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Onaway drivers find the best deals.

Cheap Car Insurance Companies in Onaway, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$518	$87
USAA	$662	$111
Encompass	$717	$122
Auto-Owners Insurance Co	$736	$123
Chubb	$774	$131
Farm Bureau Ins of MI	$910	$152
Auto-Owners	$954	$161
AAA	$961	$162
Pioneer State Mutual Ins Co	$991	$169
Progressive	$1016	$171
Westfield	$1235	$208
Farm Bureau	$1765	$294
Pioneer State Mutual	$1922	$327
State Farm	$2052	$345
Frankenmuth	$2183	$372
Bristol West	$2463	$411
Allstate	$1890	$321
Farmers	$3829	$651
Hastings Mutual	$855	$143

Key Takeaways

Way's key takeaways about car insurance in Onaway

The auto insurance costs in Onaway fall around $518 for six months.
The cheapest auto insurance company in Onaway is Travelers.
Teen drivers pay the highest rate in Onaway at $1014 per month.

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Cheapest Minimum Liability Car Insurance in Onaway

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 Onaway are given below.

Travelers provides the cheapest minimum car insurance coverage in Onaway. Their Average 6 Month Premium is $218. Farmers is the most expensive at $1990 for the same period.

Cheapest Liability Coverage in Onaway, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$218	$37
Westfield	$231	$39
USAA	$274	$46
Encompass	$299	$50
Chubb	$318	$55
Auto-Owners Insurance Co	$343	$57
Auto-Owners	$380	$64
Progressive	$431	$72
AAA	$437	$75
Farm Bureau Ins of MI	$443	$74
Farm Bureau	$555	$95
Pioneer State Mutual	$562	$93
Frankenmuth	$662	$112
State Farm	$1023	$172
Bristol West	$1029	$175
Allstate	$804	$137
Farmers	$1990	$332

Cheapest Full Coverage Car Insurance in Onaway

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 Onaway is Travelers at $87 per month and $518 for six months.

Cheapest Full Coverage Car Insurance Quotes in Onaway, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$518	$87
USAA	$662	$111
Encompass	$717	$122
Auto-Owners Insurance Co	$736	$123
Chubb	$774	$131
Farm Bureau Ins of MI	$910	$152
Auto-Owners	$954	$161
AAA	$961	$162
Pioneer State Mutual Ins Co	$991	$169
Progressive	$1016	$171
Westfield	$1235	$208
Farm Bureau	$1765	$294
Pioneer State Mutual	$1922	$327
State Farm	$2052	$345
Frankenmuth	$2183	$372
Bristol West	$2463	$411
Allstate	$1890	$321
Farmers	$3829	$651
Hastings Mutual	$855	$143

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Average Car Insurance in Onaway 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 Onaway, MI increasing?

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

Car Insurance Premiums by Age in Onaway

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 Onaway,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Onaway at $43 per month. At $6087 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$256	$43
Westfield	$274	$46
Encompass	$299	$50
Chubb	$356	$61
Auto-Owners Insurance Co	$374	$62
Grange	$486	$83
USAA	$1054	$177
Auto-Owners	$1322	$223
AAA	$1716	$289
Progressive	$2420	$407
Farm Bureau	$2881	$480
Pioneer State Mutual	$3380	$574
Frankenmuth	$4029	$672
State Farm	$5664	$963
Allstate	$4092	$696
Farmers	$17563	$2986
Bristol West	$6087	$1014

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 Onaway, Travelers is the cheapest car insurance provider. At $418 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 Onaway is Farm Bureau Ins of MI, offering rates of around $1322 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$418	$69
Encompass	$431	$74
Progressive	$605	$101
Westfield	$636	$108
Auto-Owners Insurance Co	$674	$112
Pioneer State Mutual Ins Co	$823	$140
Grange	$1042	$173
Farm Bureau Ins of MI	$1322	$225

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

Car Insurance Rates with An Accident in Onaway

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

Cheapest Car Insurance Companies after an At-Fault Accident in Onaway

The cheapest car insurance companies after an at-fault accident in Onaway include Chubb and Westfield, offering $318 and $337, respectively. Pioneer State is an expensive provider with an average six-month premium of $499.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$318	$55
Westfield	$337	$56
Auto-Owners Insurance Co	$393	$67
Encompass	$443	$74
Farm Bureau Ins of MI	$524	$89
Pioneer State Mutual Ins Co	$580	$97
Travelers	$617	$104
USAA	$804	$135
Progressive	$954	$161
Auto-Owners	$1110	$187
AAA	$1322	$223
Farm Bureau	$2158	$360
Pioneer State Mutual	$2302	$392
State Farm	$2601	$434
Frankenmuth	$2807	$478
Allstate	$3012	$502
Farmers	$5382	$916
Pioneer State	$499	$83

Onaway Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Onaway MI. For example, the car insurance in Onaway after a DUI increases to $2520 for a six month policy. While the rate increases by $1372 for a six-month policy in the case of a speeding ticket.

Onaway auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1372	$229
Failure to wear a seat belt	$1628	$277
Cell phone violation	$1727	$288
Texting while driving	$1727	$294
Illegal turn	$1734	$289
Wrong way/wrong lane	$1734	$295
Speeding in school zone	$1759	$293
Driving with expired registration	$1771	$301
Failure to stop at a red light	$1790	$298
Improper passing	$1790	$305
Speeding 16 - 20 MPH over limit	$1990	$332
Open container	$2345	$399
Driving with a suspended license	$2626	$438
Racing	$3386	$575
Reckless driving	$3680	$613
Leaving scene of an accident/hit and run	$3774	$642
DUI	$3892	$649

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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 Onaway 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 Onaway.

The cheapest car insurance premiums in Onaway are offered by Chubb at $318 for a six-month policy. However, it can be as expensive as $9829 with companies like Allstate.

Onaway car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$318	$53
Auto-Owners Insurance Co	$842	$143
Grange	$848	$142
Farmers	$861	$146
Progressive	$948	$160
Pioneer State Mutual Ins Co	$1023	$174
USAA	$1135	$191
Travelers	$1254	$213
Auto-Owners	$2028	$341
Westfield	$2064	$348
AAA	$2276	$383
Bristol West	$2919	$497
Pioneer State Mutual	$3674	$612
Farm Bureau	$4322	$735
State Farm	$5346	$900
Frankenmuth	$9674	$1645
Allstate	$9829	$1638

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 Onaway are offered by Westfield at $274. However, it can be as expensive as $12406 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Onaway after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$274	$46
Chubb	$318	$53
Encompass	$337	$58
Travelers	$412	$68
Auto-Owners Insurance Co	$437	$75
Farm Bureau Ins of MI	$624	$104
Grange	$662	$112
Auto-Owners	$830	$139
USAA	$848	$144
AAA	$1073	$179
Farm Bureau	$1110	$189
Pioneer State Mutual	$1222	$204
Progressive	$1247	$210
Frankenmuth	$1996	$333
State Farm	$3630	$617
Allstate	$2463	$419
Farmers	$12406	$2109

Car Insurance Price Trends in Onaway, Michigan

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

The average cost of full coverage in the Onaway dipped by $221 in January compared to $281 of December. In other words, there has been an decrease by $60 when you compare January and December.

The average cost of liability insurance in the Onaway dipped to $78 in January, compared to $93 in December. This represents an decrease of $15 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Onaway?

The car insurance in Onaway is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Onaway?

The cheapest car insurance in Onaway is $87 per month for full coverage.

How much is car insurance in Onaway for teenagers?

Car insurance for teenagers costs $256 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 Onaway?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $234 per month to insure your car in Onaway.

Is car insurance expensive in Onaway?

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

Cheapest Car Insurance Quotes in Onaway

Why you can trust Way?

How Much Is Car Insurance in Onaway

Avg. Car Insurance in Onaway

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Onaway

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Onaway Car Insurance Rates by Company

Cheap Car Insurance Companies in Onaway, MI

Way's key takeaways about car insurance in Onaway

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Onaway

Cheapest Liability Coverage in Onaway, MI

Cheapest Full Coverage Car Insurance in Onaway

Cheapest Full Coverage Car Insurance Quotes in Onaway, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Onaway by Rating Factor

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

Car Insurance Premiums by Age in Onaway

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Onaway,MI

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

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 Onaway

Cheapest Car Insurance Companies after an At-Fault Accident in Onaway

Onaway Car Insurance Rates by Violation

Onaway auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Onaway after a DUI

Onaway car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Onaway after Speeding ticket

Car Insurance Price Trends in Onaway, Michigan

Average Car Insurance Cost in Onaway by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Onaway, MI

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

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