Cheapest Car Insurance Quotes in Ortonville

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Ortonville 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 Ortonville

The car insurance rate in Ortonville is $1263 for a six-month policy, which is $60 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 Ortonville 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 Ortonville

$1263

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Ortonville

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 $649 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 Ortonville.

Ortonville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ortonville, 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 $649.

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 Ortonville drivers find the best deals.

Cheap Car Insurance Companies in Ortonville, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$518	$87
USAA	$649	$109
Encompass	$717	$120
Auto-Owners Insurance Co	$736	$125
Chubb	$774	$129
Auto-Owners	$867	$146
AAA	$885	$149
Farm Bureau Ins of MI	$910	$154
Pioneer State Mutual Ins Co	$991	$165
Progressive	$991	$167
Westfield	$1235	$208
Farm Bureau	$1391	$236
State Farm	$1771	$298
Allstate	$1890	$321
Bristol West	$2463	$411
Farmers	$3829	$651
Hastings Mutual	$855	$143

Key Takeaways

Way's key takeaways about car insurance in Ortonville

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

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Cheapest Minimum Liability Car Insurance in Ortonville

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 Ortonville are given below.

Travelers provides the cheapest minimum car insurance coverage in Ortonville. Their Average 6 Month Premium is $218. Hastings Mutual is the most expensive at $374 for the same period.

Cheapest Liability Coverage in Ortonville, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$218	$37
Westfield	$231	$39
USAA	$293	$49
Encompass	$299	$50
Chubb	$318	$53
Auto-Owners Insurance Co	$343	$59
Auto-Owners	$405	$68
Farm Bureau Ins of MI	$443	$76
Progressive	$456	$77
AAA	$543	$92
Farm Bureau	$686	$114
Allstate	$804	$137
Bristol West	$1029	$171
State Farm	$1104	$186
Farmers	$1990	$332
Hastings Mutual	$374	$62

Cheapest Full Coverage Car Insurance in Ortonville

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

Cheapest Full Coverage Car Insurance Quotes in Ortonville, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$518	$87
USAA	$649	$109
Encompass	$717	$120
Auto-Owners Insurance Co	$736	$125
Chubb	$774	$129
Auto-Owners	$867	$146
AAA	$885	$149
Farm Bureau Ins of MI	$910	$154
Pioneer State Mutual Ins Co	$991	$165
Progressive	$991	$167
Westfield	$1235	$208
Farm Bureau	$1391	$236
State Farm	$1771	$298
Allstate	$1890	$321
Bristol West	$2463	$411
Farmers	$3829	$651
Hastings Mutual	$855	$143

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Average Car Insurance in Ortonville 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 Ortonville, MI increasing?

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

Car Insurance Premiums by Age in Ortonville

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	$293
30s	USAA	$223
40s	USAA	$213
50s	USAA	$205
60s	Chubb	$187
70s	Chubb	$205

Cheapest Car Insurance Rates for Teen Drivers in Ortonville,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Ortonville 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	$986	$166
Auto-Owners	$1179	$198
AAA	$1572	$265
Farm Bureau	$2264	$385
Progressive	$2427	$408
Allstate	$4092	$696
State Farm	$4198	$699
Farmers	$17563	$2986
Bristol West	$6087	$1014

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 Ortonville.

As young drivers face the highest rates in Ortonville, Chubb offers the cheapest auto insurance rates at $293 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 Ortonville, 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 Ortonville is Farm Bureau Ins of MI, offering rates of around $1322 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$418	$71
Encompass	$431	$71
Progressive	$605	$103
Westfield	$636	$106
Auto-Owners Insurance Co	$674	$114
Pioneer State Mutual Ins Co	$823	$138
Grange	$1042	$177
Farm Bureau Ins of MI	$1322	$221

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

Car Insurance Rates with An Accident in Ortonville

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

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

The cheapest car insurance companies after an at-fault accident in Ortonville 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	$774	$130
Progressive	$855	$144
Auto-Owners	$954	$161
AAA	$1222	$206
Farm Bureau	$1703	$284
State Farm	$1939	$330
Allstate	$3012	$502
Farmers	$5382	$916
Pioneer State	$499	$83

Ortonville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ortonville MI. For example, the car insurance in Ortonville 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.

Ortonville 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 Ortonville 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 Ortonville.

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

Ortonville 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
Progressive	$904	$152
Pioneer State Mutual Ins Co	$1023	$170
USAA	$1104	$186
Travelers	$1254	$209
Auto-Owners	$1896	$319
Westfield	$2064	$348
AAA	$2133	$359
Bristol West	$2919	$486
Farmers	$2994	$504
Farm Bureau	$3543	$590
State Farm	$4459	$751
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 Ortonville 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 Ortonville 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
USAA	$649	$110
Grange	$662	$110
Auto-Owners	$910	$154
Progressive	$1335	$225
AAA	$1353	$230
Farm Bureau	$1360	$227
Allstate	$2463	$419
State Farm	$4135	$689
Farmers	$12406	$2109

Car Insurance Price Trends in Ortonville, Michigan

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

The average cost of full coverage in the Ortonville dipped by $281 in December compared to $289 of November. In other words, there has been an decrease by $8 when you compare December and November.

The average cost of liability insurance in the Ortonville rose to $93 in December, compared to $86 in November. This represents an increase of $7 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Ortonville?

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

What is the cheapest car insurance in Ortonville?

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

How much is car insurance in Ortonville 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 Ortonville?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $212 per month to insure your car in Ortonville.

Is car insurance expensive in Ortonville?

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

Cheapest Car Insurance Quotes in Ortonville

Why you can trust Way?

How Much Is Car Insurance in Ortonville

Avg. Car Insurance in Ortonville

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Ortonville

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Ortonville Car Insurance Rates by Company

Cheap Car Insurance Companies in Ortonville, MI

Way's key takeaways about car insurance in Ortonville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ortonville

Cheapest Liability Coverage in Ortonville, MI

Cheapest Full Coverage Car Insurance in Ortonville

Cheapest Full Coverage Car Insurance Quotes in Ortonville, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ortonville by Rating Factor

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

Car Insurance Premiums by Age in Ortonville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ortonville,MI

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

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 Ortonville

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

Ortonville Car Insurance Rates by Violation

Ortonville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ortonville after a DUI

Ortonville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ortonville after Speeding ticket

Car Insurance Price Trends in Ortonville, Michigan

Average Car Insurance Cost in Ortonville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ortonville, MI

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

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