Cheapest Car Insurance Quotes in Reed City

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Reed City Car Insurance

^$ 36

/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 Reed City

The car insurance rate in Reed City is $1251 for a six-month policy, which is $48 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $513, making it a popular choice for budget-conscious drivers. Rates in Reed City 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 Reed City

$1251

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Reed City

1st place: Travelers

At $513 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $643 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $710 for six months, making it the third cheapest auto insurance company in Reed City.

Reed City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Reed City, MI is Travelers, offering policies at just $513 for a six-month term. This is followed by USAA, which has an average six-month premium of $643.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $847 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Reed City drivers find the best deals.

Cheap Car Insurance Companies in Reed City, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$513	$86
USAA	$643	$108
Encompass	$710	$119
Auto-Owners Insurance Co	$729	$124
Chubb	$766	$128
Auto-Owners	$859	$145
AAA	$877	$148
Farm Bureau Ins of MI	$902	$153
Pioneer State Mutual Ins Co	$982	$163
Progressive	$982	$165
Westfield	$1223	$206
Farm Bureau	$1378	$234
State Farm	$1754	$295
Allstate	$1872	$318
Bristol West	$2440	$407
Farmers	$3793	$645
Hastings Mutual	$847	$141

Key Takeaways

Way's key takeaways about car insurance in Reed City

The auto insurance costs in Reed City fall around $513 for six months.
The cheapest auto insurance company in Reed City is Travelers.
Teen drivers pay the highest rate in Reed City at $1005 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Reed City

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 Reed City are given below.

Travelers provides the cheapest minimum car insurance coverage in Reed City. Their Average 6 Month Premium is $216. Hastings Mutual is the most expensive at $370 for the same period.

Cheapest Liability Coverage in Reed City, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$216	$36
Westfield	$229	$38
USAA	$290	$49
Encompass	$296	$50
Chubb	$315	$52
Auto-Owners Insurance Co	$340	$58
Auto-Owners	$401	$68
Farm Bureau Ins of MI	$439	$75
Progressive	$451	$76
AAA	$538	$92
Farm Bureau	$679	$113
Allstate	$797	$135
Bristol West	$1019	$170
State Farm	$1093	$184
Farmers	$1971	$329
Hastings Mutual	$370	$61

Cheapest Full Coverage Car Insurance in Reed City

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 Reed City is Travelers at $86 per month and $513 for six months.

Cheapest Full Coverage Car Insurance Quotes in Reed City, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$513	$86
USAA	$643	$108
Encompass	$710	$119
Auto-Owners Insurance Co	$729	$124
Chubb	$766	$128
Auto-Owners	$859	$145
AAA	$877	$148
Farm Bureau Ins of MI	$902	$153
Pioneer State Mutual Ins Co	$982	$163
Progressive	$982	$165
Westfield	$1223	$206
Farm Bureau	$1378	$234
State Farm	$1754	$295
Allstate	$1872	$318
Bristol West	$2440	$407
Farmers	$3793	$645
Hastings Mutual	$847	$141

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Average Car Insurance in Reed City 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 Reed City, MI increasing?

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

Car Insurance Premiums by Age in Reed City

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	$290
30s	USAA	$220
40s	USAA	$211
50s	USAA	$203
60s	Chubb	$185
70s	Chubb	$203

Cheapest Car Insurance Rates for Teen Drivers in Reed City,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Reed City at $43 per month. At $6029 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$254	$43
Westfield	$271	$46
Encompass	$296	$50
Chubb	$353	$60
Auto-Owners Insurance Co	$370	$61
Grange	$482	$82
USAA	$977	$164
Auto-Owners	$1168	$197
AAA	$1557	$262
Farm Bureau	$2242	$382
Progressive	$2403	$405
Allstate	$4053	$690
State Farm	$4158	$693
Farmers	$17396	$2958
Bristol West	$6029	$1005

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 Reed City.

As young drivers face the highest rates in Reed City, Chubb offers the cheapest auto insurance rates at $290 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 Reed City, Travelers is the cheapest car insurance provider. At $414 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 Reed City is Farm Bureau Ins of MI, offering rates of around $1309 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$414	$71
Encompass	$426	$71
Progressive	$599	$102
Westfield	$630	$105
Auto-Owners Insurance Co	$668	$113
Pioneer State Mutual Ins Co	$815	$136
Grange	$1032	$176
Farm Bureau Ins of MI	$1309	$218

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

Car Insurance Rates with An Accident in Reed City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Reed City

The cheapest car insurance companies after an at-fault accident in Reed City include Chubb and Westfield, offering $315 and $334, respectively. Pioneer State is an expensive provider with an average six-month premium of $494.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$315	$54
Westfield	$334	$55
Auto-Owners Insurance Co	$389	$67
Encompass	$439	$73
Farm Bureau Ins of MI	$519	$88
Pioneer State Mutual Ins Co	$574	$96
Travelers	$612	$103
USAA	$766	$129
Progressive	$847	$142
Auto-Owners	$945	$159
AAA	$1211	$204
Farm Bureau	$1687	$281
State Farm	$1921	$327
Allstate	$2984	$497
Farmers	$5331	$907
Pioneer State	$494	$82

Reed City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Reed City MI. For example, the car insurance in Reed City after a DUI increases to $2496 for a six month policy. While the rate increases by $1359 for a six-month policy in the case of a speeding ticket.

Reed City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1359	$227
Failure to wear a seat belt	$1612	$275
Cell phone violation	$1711	$285
Texting while driving	$1711	$291
Illegal turn	$1717	$286
Wrong way/wrong lane	$1717	$292
Speeding in school zone	$1742	$290
Driving with expired registration	$1754	$298
Failure to stop at a red light	$1773	$295
Improper passing	$1773	$302
Speeding 16 - 20 MPH over limit	$1971	$329
Open container	$2322	$395
Driving with a suspended license	$2601	$434
Racing	$3354	$570
Reckless driving	$3645	$607
Leaving scene of an accident/hit and run	$3738	$635
DUI	$3855	$643

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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 Reed City 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 Reed City.

The cheapest car insurance premiums in Reed City are offered by Chubb at $315 for a six-month policy. However, it can be as expensive as $9735 with companies like Allstate.

Reed City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$315	$52
Auto-Owners Insurance Co	$834	$141
Grange	$840	$140
Progressive	$895	$151
Pioneer State Mutual Ins Co	$1013	$168
USAA	$1093	$184
Travelers	$1242	$207
Auto-Owners	$1878	$316
Westfield	$2045	$344
AAA	$2112	$356
Bristol West	$2891	$482
Farmers	$2965	$499
Farm Bureau	$3509	$584
State Farm	$4417	$744
Allstate	$9735	$1622

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 Reed City are offered by Westfield at $271. However, it can be as expensive as $12288 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Reed City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$271	$46
Chubb	$315	$52
Encompass	$334	$57
Travelers	$408	$68
Auto-Owners Insurance Co	$433	$74
Farm Bureau Ins of MI	$618	$103
USAA	$643	$109
Grange	$655	$109
Auto-Owners	$902	$153
Progressive	$1322	$223
AAA	$1341	$228
Farm Bureau	$1347	$225
Allstate	$2440	$415
State Farm	$4096	$682
Farmers	$12288	$2089

Car Insurance Price Trends in Reed City, Michigan

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

The average cost of full coverage in the Reed City dipped by $279 in December compared to $286 of November. In other words, there has been an decrease by $7 when you compare December and November.

The average cost of liability insurance in the Reed City rose to $93 in December, compared to $85 in November. This represents an increase of $8 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Reed City?

The car insurance in Reed City is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Reed City?

The cheapest car insurance in Reed City is $86 per month for full coverage.

How much is car insurance in Reed City for teenagers?

Car insurance for teenagers costs $254 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 Reed City?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $210 per month to insure your car in Reed City.

Is car insurance expensive in Reed City?

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

Cheapest Car Insurance Quotes in Reed City

Why you can trust Way?

How Much Is Car Insurance in Reed City

Avg. Car Insurance in Reed City

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Reed City

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Reed City Car Insurance Rates by Company

Cheap Car Insurance Companies in Reed City, MI

Way's key takeaways about car insurance in Reed City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Reed City

Cheapest Liability Coverage in Reed City, MI

Cheapest Full Coverage Car Insurance in Reed City

Cheapest Full Coverage Car Insurance Quotes in Reed City, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Reed City by Rating Factor

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

Car Insurance Premiums by Age in Reed City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Reed City,MI

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

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 Reed City

Cheapest Car Insurance Companies after an At-Fault Accident in Reed City

Reed City Car Insurance Rates by Violation

Reed City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Reed City after a DUI

Reed City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Reed City after Speeding ticket

Car Insurance Price Trends in Reed City, Michigan

Average Car Insurance Cost in Reed City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Reed City, MI

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

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