Cheapest Car Insurance Quotes in Pleasant Ridge

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Pleasant Ridge Car Insurance

^$ 42

/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 Pleasant Ridge

The car insurance rate in Pleasant Ridge is $1444 for a six-month policy, which is $241 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $592, making it a popular choice for budget-conscious drivers. Rates in Pleasant Ridge 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 Pleasant Ridge

$1444

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Pleasant Ridge

1st place: Travelers

At $592 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $742 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $820 for six months, making it the third cheapest auto insurance company in Pleasant Ridge.

Pleasant Ridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pleasant Ridge, MI is Travelers, offering policies at just $592 for a six-month term. This is followed by USAA, which has an average six-month premium of $742.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $977 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pleasant Ridge drivers find the best deals.

Cheap Car Insurance Companies in Pleasant Ridge, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$592	$100
USAA	$742	$125
Encompass	$820	$137
Auto-Owners Insurance Co	$841	$143
Chubb	$884	$148
Auto-Owners	$991	$167
AAA	$1012	$170
Farm Bureau Ins of MI	$1040	$176
Pioneer State Mutual Ins Co	$1133	$188
Progressive	$1133	$191
Westfield	$1411	$238
Farm Bureau	$1590	$270
State Farm	$2024	$341
Allstate	$2160	$367
Bristol West	$2815	$469
Farmers	$4376	$744
Hastings Mutual	$977	$163

Key Takeaways

Way's key takeaways about car insurance in Pleasant Ridge

The auto insurance costs in Pleasant Ridge fall around $592 for six months.
The cheapest auto insurance company in Pleasant Ridge is Travelers.
Teen drivers pay the highest rate in Pleasant Ridge at $1159 per month.

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Cheapest Minimum Liability Car Insurance in Pleasant Ridge

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 Pleasant Ridge are given below.

Travelers provides the cheapest minimum car insurance coverage in Pleasant Ridge. Their Average 6 Month Premium is $250. Hastings Mutual is the most expensive at $427 for the same period.

Cheapest Liability Coverage in Pleasant Ridge, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$250	$42
Westfield	$264	$44
USAA	$335	$56
Encompass	$342	$58
Chubb	$364	$60
Auto-Owners Insurance Co	$392	$67
Auto-Owners	$463	$78
Farm Bureau Ins of MI	$506	$86
Progressive	$521	$88
AAA	$620	$106
Farm Bureau	$784	$131
Allstate	$919	$156
Bristol West	$1176	$196
State Farm	$1261	$212
Farmers	$2274	$379
Hastings Mutual	$427	$71

Cheapest Full Coverage Car Insurance in Pleasant Ridge

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 Pleasant Ridge is Travelers at $100 per month and $592 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pleasant Ridge, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$592	$100
USAA	$742	$125
Encompass	$820	$137
Auto-Owners Insurance Co	$841	$143
Chubb	$884	$148
Auto-Owners	$991	$167
AAA	$1012	$170
Farm Bureau Ins of MI	$1040	$176
Pioneer State Mutual Ins Co	$1133	$188
Progressive	$1133	$191
Westfield	$1411	$238
Farm Bureau	$1590	$270
State Farm	$2024	$341
Allstate	$2160	$367
Bristol West	$2815	$469
Farmers	$4376	$744
Hastings Mutual	$977	$163

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Average Car Insurance in Pleasant Ridge 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 Pleasant Ridge, MI increasing?

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

Car Insurance Premiums by Age in Pleasant Ridge

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	$335
30s	USAA	$254
40s	USAA	$244
50s	USAA	$234
60s	Chubb	$214
70s	Chubb	$234

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

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Pleasant Ridge at $49 per month. At $6956 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$293	$49
Westfield	$313	$53
Encompass	$342	$58
Chubb	$407	$70
Auto-Owners Insurance Co	$427	$71
Grange	$556	$95
USAA	$1127	$190
Auto-Owners	$1348	$227
AAA	$1796	$302
Farm Bureau	$2587	$440
Progressive	$2773	$467
Allstate	$4676	$796
State Farm	$4798	$799
Farmers	$20072	$3413
Bristol West	$6956	$1159

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 Pleasant Ridge.

As young drivers face the highest rates in Pleasant Ridge, Chubb offers the cheapest auto insurance rates at $335 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 Pleasant Ridge, Travelers is the cheapest car insurance provider. At $478 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 Pleasant Ridge is Farm Bureau Ins of MI, offering rates of around $1511 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$478	$82
Encompass	$492	$82
Progressive	$691	$118
Westfield	$727	$121
Auto-Owners Insurance Co	$770	$131
Pioneer State Mutual Ins Co	$941	$157
Grange	$1190	$203
Farm Bureau Ins of MI	$1511	$252

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

Car Insurance Rates with An Accident in Pleasant Ridge

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

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

The cheapest car insurance companies after an at-fault accident in Pleasant Ridge include Chubb and Westfield, offering $364 and $385, respectively. Pioneer State is an expensive provider with an average six-month premium of $570.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$364	$62
Westfield	$385	$64
Auto-Owners Insurance Co	$449	$77
Encompass	$506	$84
Farm Bureau Ins of MI	$599	$102
Pioneer State Mutual Ins Co	$662	$110
Travelers	$706	$119
USAA	$884	$149
Progressive	$977	$164
Auto-Owners	$1091	$184
AAA	$1397	$235
Farm Bureau	$1946	$324
State Farm	$2216	$377
Allstate	$3443	$574
Farmers	$6151	$1046
Pioneer State	$570	$95

Pleasant Ridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pleasant Ridge MI. For example, the car insurance in Pleasant Ridge after a DUI increases to $2880 for a six month policy. While the rate increases by $1568 for a six-month policy in the case of a speeding ticket.

Pleasant Ridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1568	$262
Failure to wear a seat belt	$1860	$317
Cell phone violation	$1974	$329
Texting while driving	$1974	$336
Illegal turn	$1981	$330
Wrong way/wrong lane	$1981	$337
Speeding in school zone	$2010	$335
Driving with expired registration	$2024	$344
Failure to stop at a red light	$2046	$341
Improper passing	$2046	$348
Speeding 16 - 20 MPH over limit	$2274	$379
Open container	$2680	$456
Driving with a suspended license	$3001	$500
Racing	$3870	$658
Reckless driving	$4206	$701
Leaving scene of an accident/hit and run	$4313	$733
DUI	$4448	$742

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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 Pleasant Ridge 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 Pleasant Ridge.

The cheapest car insurance premiums in Pleasant Ridge are offered by Chubb at $364 for a six-month policy. However, it can be as expensive as $11233 with companies like Allstate.

Pleasant Ridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$364	$60
Auto-Owners Insurance Co	$962	$163
Grange	$970	$162
Progressive	$1033	$174
Pioneer State Mutual Ins Co	$1169	$194
USAA	$1261	$212
Travelers	$1433	$239
Auto-Owners	$2167	$365
Westfield	$2359	$397
AAA	$2437	$410
Bristol West	$3336	$556
Farmers	$3421	$576
Farm Bureau	$4049	$674
State Farm	$5096	$858
Allstate	$11233	$1872

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 Pleasant Ridge are offered by Westfield at $313. However, it can be as expensive as $14178 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Pleasant Ridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$313	$53
Chubb	$364	$60
Encompass	$385	$66
Travelers	$470	$78
Auto-Owners Insurance Co	$499	$85
Farm Bureau Ins of MI	$713	$119
USAA	$742	$126
Grange	$756	$126
Auto-Owners	$1040	$176
Progressive	$1525	$257
AAA	$1547	$263
Farm Bureau	$1554	$259
Allstate	$2815	$479
State Farm	$4726	$787
Farmers	$14178	$2411

Car Insurance Price Trends in Pleasant Ridge, Michigan

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

The average cost of full coverage in the Pleasant Ridge dipped by $322 in December compared to $330 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 Pleasant Ridge rose to $107 in December, compared to $98 in November. This represents an increase of $9 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Pleasant Ridge?

The car insurance in Pleasant Ridge is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Pleasant Ridge?

The cheapest car insurance in Pleasant Ridge is $100 per month for full coverage.

How much is car insurance in Pleasant Ridge for teenagers?

Car insurance for teenagers costs $293 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 Pleasant Ridge?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $242 per month to insure your car in Pleasant Ridge.

Is car insurance expensive in Pleasant Ridge?

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

Cheapest Car Insurance Quotes in Pleasant Ridge

Why you can trust Way?

How Much Is Car Insurance in Pleasant Ridge

Avg. Car Insurance in Pleasant Ridge

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Pleasant Ridge

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Pleasant Ridge Car Insurance Rates by Company

Cheap Car Insurance Companies in Pleasant Ridge, MI

Way's key takeaways about car insurance in Pleasant Ridge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pleasant Ridge

Cheapest Liability Coverage in Pleasant Ridge, MI

Cheapest Full Coverage Car Insurance in Pleasant Ridge

Cheapest Full Coverage Car Insurance Quotes in Pleasant Ridge, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pleasant Ridge by Rating Factor

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

Car Insurance Premiums by Age in Pleasant Ridge

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Pleasant Ridge

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

Pleasant Ridge Car Insurance Rates by Violation

Pleasant Ridge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pleasant Ridge after a DUI

Pleasant Ridge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pleasant Ridge after Speeding ticket

Car Insurance Price Trends in Pleasant Ridge, Michigan

Average Car Insurance Cost in Pleasant Ridge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pleasant Ridge, MI

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

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