Cheapest Car Insurance Quotes in River Rouge

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River Rouge Car Insurance

^$ 77

/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 River Rouge

The car insurance rate in River Rouge is $2647 for a six-month policy, which is $1444 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1085, making it a popular choice for budget-conscious drivers. Rates in River Rouge 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 River Rouge

$2647

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in River Rouge

1st place: Travelers

At $1085 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1360 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1503 for six months, making it the third cheapest auto insurance company in River Rouge.

River Rouge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in River Rouge, MI is Travelers, offering policies at just $1085 for a six-month term. This is followed by USAA, which has an average six-month premium of $1360.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1791 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help River Rouge drivers find the best deals.

Cheap Car Insurance Companies in River Rouge, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1085	$183
USAA	$1360	$229
Encompass	$1503	$251
Auto-Owners Insurance Co	$1542	$262
Chubb	$1621	$271
Auto-Owners	$1817	$306
AAA	$1855	$312
Farm Bureau Ins of MI	$1907	$323
Pioneer State Mutual Ins Co	$2077	$345
Progressive	$2077	$350
Westfield	$2587	$436
Farm Bureau	$2915	$495
State Farm	$3711	$625
Allstate	$3960	$673
Bristol West	$5161	$860
Farmers	$8023	$1364
Hastings Mutual	$1791	$299

Key Takeaways

Way's key takeaways about car insurance in River Rouge

The auto insurance costs in River Rouge fall around $1085 for six months.
The cheapest auto insurance company in River Rouge is Travelers.
Teen drivers pay the highest rate in River Rouge at $2125 per month.

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Cheapest Minimum Liability Car Insurance in River Rouge

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 River Rouge are given below.

Travelers provides the cheapest minimum car insurance coverage in River Rouge. Their Average 6 Month Premium is $458. Hastings Mutual is the most expensive at $783 for the same period.

Cheapest Liability Coverage in River Rouge, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$458	$77
Westfield	$484	$81
USAA	$614	$103
Encompass	$627	$106
Chubb	$667	$110
Auto-Owners Insurance Co	$719	$123
Auto-Owners	$849	$143
Farm Bureau Ins of MI	$928	$158
Progressive	$955	$161
AAA	$1137	$194
Farm Bureau	$1437	$240
Allstate	$1685	$286
Bristol West	$2156	$359
State Farm	$2312	$389
Farmers	$4169	$695
Hastings Mutual	$783	$130

Cheapest Full Coverage Car Insurance in River Rouge

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 River Rouge is Travelers at $183 per month and $1085 for six months.

Cheapest Full Coverage Car Insurance Quotes in River Rouge, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1085	$183
USAA	$1360	$229
Encompass	$1503	$251
Auto-Owners Insurance Co	$1542	$262
Chubb	$1621	$271
Auto-Owners	$1817	$306
AAA	$1855	$312
Farm Bureau Ins of MI	$1907	$323
Pioneer State Mutual Ins Co	$2077	$345
Progressive	$2077	$350
Westfield	$2587	$436
Farm Bureau	$2915	$495
State Farm	$3711	$625
Allstate	$3960	$673
Bristol West	$5161	$860
Farmers	$8023	$1364
Hastings Mutual	$1791	$299

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Average Car Insurance in River Rouge 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 River Rouge, MI increasing?

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

Car Insurance Premiums by Age in River Rouge

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	$614
30s	USAA	$466
40s	USAA	$447
50s	USAA	$429
60s	Chubb	$392
70s	Chubb	$429

Cheapest Car Insurance Rates for Teen Drivers in River Rouge,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the River Rouge at $90 per month. At $12753 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$537	$90
Westfield	$574	$97
Encompass	$627	$106
Chubb	$746	$128
Auto-Owners Insurance Co	$783	$130
Grange	$1019	$174
USAA	$2066	$348
Auto-Owners	$2471	$416
AAA	$3293	$554
Farm Bureau	$4743	$807
Progressive	$5084	$856
Allstate	$8573	$1459
State Farm	$8796	$1465
Farmers	$36799	$6257
Bristol West	$12753	$2125

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 River Rouge.

As young drivers face the highest rates in River Rouge, Chubb offers the cheapest auto insurance rates at $614 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 River Rouge, Travelers is the cheapest car insurance provider. At $876 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 River Rouge is Farm Bureau Ins of MI, offering rates of around $2770 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$876	$150
Encompass	$902	$150
Progressive	$1267	$216
Westfield	$1333	$222
Auto-Owners Insurance Co	$1412	$240
Pioneer State Mutual Ins Co	$1725	$288
Grange	$2182	$372
Farm Bureau Ins of MI	$2770	$462

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Car Insurance Rates with An Accident in River Rouge

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

Cheapest Car Insurance Companies after an At-Fault Accident in River Rouge

The cheapest car insurance companies after an at-fault accident in River Rouge include Chubb and Westfield, offering $667 and $706, respectively. Pioneer State is an expensive provider with an average six-month premium of $1045.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$667	$114
Westfield	$706	$117
Auto-Owners Insurance Co	$823	$141
Encompass	$928	$154
Farm Bureau Ins of MI	$1098	$187
Pioneer State Mutual Ins Co	$1214	$202
Travelers	$1294	$218
USAA	$1621	$273
Progressive	$1791	$301
Auto-Owners	$2000	$337
AAA	$2561	$431
Farm Bureau	$3568	$594
State Farm	$4063	$691
Allstate	$6312	$1052
Farmers	$11277	$1918
Pioneer State	$1045	$174

River Rouge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in River Rouge MI. For example, the car insurance in River Rouge after a DUI increases to $5280 for a six month policy. While the rate increases by $2875 for a six-month policy in the case of a speeding ticket.

River Rouge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2875	$480
Failure to wear a seat belt	$3410	$581
Cell phone violation	$3619	$603
Texting while driving	$3619	$616
Illegal turn	$3632	$605
Wrong way/wrong lane	$3632	$618
Speeding in school zone	$3685	$614
Driving with expired registration	$3711	$631
Failure to stop at a red light	$3751	$625
Improper passing	$3751	$638
Speeding 16 - 20 MPH over limit	$4169	$695
Open container	$4913	$836
Driving with a suspended license	$5502	$917
Racing	$7095	$1206
Reckless driving	$7711	$1285
Leaving scene of an accident/hit and run	$7907	$1344
DUI	$8155	$1360

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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 River Rouge 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 River Rouge.

The cheapest car insurance premiums in River Rouge are offered by Chubb at $667 for a six-month policy. However, it can be as expensive as $20594 with companies like Allstate.

River Rouge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$667	$110
Auto-Owners Insurance Co	$1764	$299
Grange	$1778	$297
Progressive	$1894	$319
Pioneer State Mutual Ins Co	$2143	$356
USAA	$2312	$389
Travelers	$2627	$438
Auto-Owners	$3973	$669
Westfield	$4325	$728
AAA	$4468	$752
Bristol West	$6116	$1019
Farmers	$6272	$1056
Farm Bureau	$7423	$1236
State Farm	$9343	$1573
Allstate	$20594	$3432

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 River Rouge are offered by Westfield at $574. However, it can be as expensive as $25993 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in River Rouge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$574	$97
Chubb	$667	$110
Encompass	$706	$121
Travelers	$862	$143
Auto-Owners Insurance Co	$915	$156
Farm Bureau Ins of MI	$1307	$218
USAA	$1360	$231
Grange	$1386	$231
Auto-Owners	$1907	$323
Progressive	$2796	$471
AAA	$2836	$482
Farm Bureau	$2849	$475
Allstate	$5161	$878
State Farm	$8664	$1443
Farmers	$25993	$4420

Car Insurance Price Trends in River Rouge, Michigan

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

The average cost of full coverage in the River Rouge dipped by $590 in December compared to $605 of November. In other words, there has been an decrease by $15 when you compare December and November.

The average cost of liability insurance in the River Rouge rose to $196 in December, compared to $180 in November. This represents an increase of $16 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in River Rouge?

The car insurance in River Rouge is $77 per month, which is lower than the national average.

What is the cheapest car insurance in River Rouge?

The cheapest car insurance in River Rouge is $183 per month for full coverage.

How much is car insurance in River Rouge for teenagers?

Car insurance for teenagers costs $537 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 River Rouge?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $444 per month to insure your car in River Rouge.

Is car insurance expensive in River Rouge?

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

Cheapest Car Insurance Quotes in River Rouge

Why you can trust Way?

How Much Is Car Insurance in River Rouge

Avg. Car Insurance in River Rouge

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in River Rouge

1st place: Travelers

2nd place: USAA

3rd place: Encompass

River Rouge Car Insurance Rates by Company

Cheap Car Insurance Companies in River Rouge, MI

Way's key takeaways about car insurance in River Rouge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in River Rouge

Cheapest Liability Coverage in River Rouge, MI

Cheapest Full Coverage Car Insurance in River Rouge

Cheapest Full Coverage Car Insurance Quotes in River Rouge, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in River Rouge by Rating Factor

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

Car Insurance Premiums by Age in River Rouge

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in River Rouge,MI

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

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 River Rouge

Cheapest Car Insurance Companies after an At-Fault Accident in River Rouge

River Rouge Car Insurance Rates by Violation

River Rouge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in River Rouge after a DUI

River Rouge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in River Rouge after Speeding ticket

Car Insurance Price Trends in River Rouge, Michigan

Average Car Insurance Cost in River Rouge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near River Rouge, MI

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

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