Cheapest Car Insurance Quotes in Pontiac

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Pontiac Car Insurance

^$ 69

/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 Pontiac

The car insurance rate in Pontiac is $2358 for a six-month policy, which is $1155 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $966, making it a popular choice for budget-conscious drivers. Rates in Pontiac 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 Pontiac

$2358

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Pontiac

1st place: Travelers

At $966 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1211 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1339 for six months, making it the third cheapest auto insurance company in Pontiac.

Pontiac Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pontiac, MI is Travelers, offering policies at just $966 for a six-month term. This is followed by USAA, which has an average six-month premium of $1211.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1595 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pontiac drivers find the best deals.

Cheap Car Insurance Companies in Pontiac, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$966	$163
USAA	$1211	$204
Encompass	$1339	$223
Auto-Owners Insurance Co	$1374	$233
Chubb	$1445	$241
Auto-Owners	$1619	$272
AAA	$1652	$278
Farm Bureau Ins of MI	$1699	$288
Pioneer State Mutual Ins Co	$1850	$308
Progressive	$1850	$312
Westfield	$2305	$388
Farm Bureau	$2597	$441
State Farm	$3307	$557
Allstate	$3528	$600
Bristol West	$4598	$766
Farmers	$7148	$1215
Hastings Mutual	$1595	$267

Key Takeaways

Way's key takeaways about car insurance in Pontiac

The auto insurance costs in Pontiac fall around $966 for six months.
The cheapest auto insurance company in Pontiac is Travelers.
Teen drivers pay the highest rate in Pontiac at $1893 per month.

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Cheapest Minimum Liability Car Insurance in Pontiac

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 Pontiac are given below.

Travelers provides the cheapest minimum car insurance coverage in Pontiac. Their Average 6 Month Premium is $408. Hastings Mutual is the most expensive at $698 for the same period.

Cheapest Liability Coverage in Pontiac, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$408	$69
Westfield	$431	$73
USAA	$547	$92
Encompass	$559	$94
Chubb	$594	$98
Auto-Owners Insurance Co	$641	$110
Auto-Owners	$757	$127
Farm Bureau Ins of MI	$827	$141
Progressive	$851	$143
AAA	$1013	$172
Farm Bureau	$1280	$214
Allstate	$1501	$255
Bristol West	$1921	$319
State Farm	$2060	$347
Farmers	$3714	$619
Hastings Mutual	$698	$116

Cheapest Full Coverage Car Insurance in Pontiac

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 Pontiac is Travelers at $163 per month and $966 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pontiac, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$966	$163
USAA	$1211	$204
Encompass	$1339	$223
Auto-Owners Insurance Co	$1374	$233
Chubb	$1445	$241
Auto-Owners	$1619	$272
AAA	$1652	$278
Farm Bureau Ins of MI	$1699	$288
Pioneer State Mutual Ins Co	$1850	$308
Progressive	$1850	$312
Westfield	$2305	$388
Farm Bureau	$2597	$441
State Farm	$3307	$557
Allstate	$3528	$600
Bristol West	$4598	$766
Farmers	$7148	$1215
Hastings Mutual	$1595	$267

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Average Car Insurance in Pontiac 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 Pontiac, MI increasing?

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

Car Insurance Premiums by Age in Pontiac

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	$547
30s	USAA	$416
40s	USAA	$398
50s	USAA	$382
60s	Chubb	$349
70s	Chubb	$382

Cheapest Car Insurance Rates for Teen Drivers in Pontiac,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Pontiac at $80 per month. At $11362 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$478	$80
Westfield	$512	$86
Encompass	$559	$94
Chubb	$664	$114
Auto-Owners Insurance Co	$698	$116
Grange	$907	$155
USAA	$1840	$310
Auto-Owners	$2201	$370
AAA	$2934	$494
Farm Bureau	$4226	$719
Progressive	$4530	$762
Allstate	$7638	$1299
State Farm	$7836	$1305
Farmers	$32785	$5574
Bristol West	$11362	$1893

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 Pontiac.

As young drivers face the highest rates in Pontiac, Chubb offers the cheapest auto insurance rates at $547 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 Pontiac, Travelers is the cheapest car insurance provider. At $780 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 Pontiac is Farm Bureau Ins of MI, offering rates of around $2468 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$780	$133
Encompass	$804	$133
Progressive	$1129	$192
Westfield	$1188	$198
Auto-Owners Insurance Co	$1258	$214
Pioneer State Mutual Ins Co	$1537	$257
Grange	$1944	$331
Farm Bureau Ins of MI	$2468	$412

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

Car Insurance Rates with An Accident in Pontiac

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

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

The cheapest car insurance companies after an at-fault accident in Pontiac include Chubb and Westfield, offering $594 and $629, respectively. Pioneer State is an expensive provider with an average six-month premium of $931.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$594	$102
Westfield	$629	$104
Auto-Owners Insurance Co	$733	$125
Encompass	$827	$137
Farm Bureau Ins of MI	$978	$167
Pioneer State Mutual Ins Co	$1082	$180
Travelers	$1152	$194
USAA	$1445	$243
Progressive	$1595	$269
Auto-Owners	$1782	$300
AAA	$2281	$384
Farm Bureau	$3179	$529
State Farm	$3620	$615
Allstate	$5623	$937
Farmers	$10047	$1709
Pioneer State	$931	$155

Pontiac Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pontiac MI. For example, the car insurance in Pontiac after a DUI increases to $4704 for a six month policy. While the rate increases by $2562 for a six-month policy in the case of a speeding ticket.

Pontiac auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2562	$427
Failure to wear a seat belt	$3038	$517
Cell phone violation	$3224	$537
Texting while driving	$3224	$549
Illegal turn	$3236	$539
Wrong way/wrong lane	$3236	$551
Speeding in school zone	$3283	$547
Driving with expired registration	$3307	$563
Failure to stop at a red light	$3342	$557
Improper passing	$3342	$568
Speeding 16 - 20 MPH over limit	$3714	$619
Open container	$4377	$745
Driving with a suspended license	$4902	$817
Racing	$6321	$1074
Reckless driving	$6870	$1145
Leaving scene of an accident/hit and run	$7044	$1198
DUI	$7266	$1211

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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 Pontiac 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 Pontiac.

The cheapest car insurance premiums in Pontiac are offered by Chubb at $594 for a six-month policy. However, it can be as expensive as $18348 with companies like Allstate.

Pontiac car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$594	$98
Auto-Owners Insurance Co	$1572	$267
Grange	$1584	$265
Progressive	$1688	$284
Pioneer State Mutual Ins Co	$1909	$318
USAA	$2060	$347
Travelers	$2340	$390
Auto-Owners	$3540	$596
Westfield	$3853	$649
AAA	$3981	$670
Bristol West	$5449	$907
Farmers	$5588	$941
Farm Bureau	$6613	$1102
State Farm	$8324	$1401
Allstate	$18348	$3058

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 Pontiac are offered by Westfield at $512. However, it can be as expensive as $23157 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Pontiac after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$512	$86
Chubb	$594	$98
Encompass	$629	$108
Travelers	$768	$127
Auto-Owners Insurance Co	$815	$139
Farm Bureau Ins of MI	$1164	$194
USAA	$1211	$206
Grange	$1235	$206
Auto-Owners	$1699	$288
Progressive	$2491	$419
AAA	$2526	$429
Farm Bureau	$2538	$423
Allstate	$4598	$782
State Farm	$7718	$1286
Farmers	$23157	$3938

Car Insurance Price Trends in Pontiac, Michigan

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

The average cost of full coverage in the Pontiac dipped by $525 in December compared to $539 of November. In other words, there has been an decrease by $14 when you compare December and November.

The average cost of liability insurance in the Pontiac rose to $174 in December, compared to $161 in November. This represents an increase of $13 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Pontiac?

The car insurance in Pontiac is $69 per month, which is lower than the national average.

What is the cheapest car insurance in Pontiac?

The cheapest car insurance in Pontiac is $163 per month for full coverage.

How much is car insurance in Pontiac for teenagers?

Car insurance for teenagers costs $478 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 Pontiac?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $396 per month to insure your car in Pontiac.

Is car insurance expensive in Pontiac?

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

Cheapest Car Insurance Quotes in Pontiac

Why you can trust Way?

How Much Is Car Insurance in Pontiac

Avg. Car Insurance in Pontiac

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Pontiac

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Pontiac Car Insurance Rates by Company

Cheap Car Insurance Companies in Pontiac, MI

Way's key takeaways about car insurance in Pontiac

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pontiac

Cheapest Liability Coverage in Pontiac, MI

Cheapest Full Coverage Car Insurance in Pontiac

Cheapest Full Coverage Car Insurance Quotes in Pontiac, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pontiac by Rating Factor

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

Car Insurance Premiums by Age in Pontiac

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pontiac,MI

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

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 Pontiac

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

Pontiac Car Insurance Rates by Violation

Pontiac auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pontiac after a DUI

Pontiac car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pontiac after Speeding ticket

Car Insurance Price Trends in Pontiac, Michigan

Average Car Insurance Cost in Pontiac by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pontiac, MI

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

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