Cheapest Car Insurance Quotes in River Rouge

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River Rouge 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 River Rouge

The car insurance rate in River Rouge is $2608 for a six-month policy, which is $1284 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $971, 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

$2608

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in River Rouge

1st place: Travelers

At $971 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1241 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1346 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 $971 for a six-month term. This is followed by USAA, which has an average six-month premium of $1241.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1604 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	$971	$164
USAA	$1241	$209
Encompass	$1346	$229
Auto-Owners Insurance Co	$1381	$230
Chubb	$1452	$246
Farm Bureau Ins of MI	$1708	$286
Auto-Owners	$1791	$301
AAA	$1803	$303
Pioneer State Mutual Ins Co	$1860	$317
Progressive	$1907	$321
Westfield	$2317	$390
Farm Bureau	$3312	$552
Pioneer State Mutual	$3605	$613
State Farm	$3849	$648
Frankenmuth	$4096	$697
Bristol West	$4622	$770
Allstate	$3546	$603
Farmers	$7185	$1221
Hastings Mutual	$1604	$268

Key Takeaways

Way's key takeaways about car insurance in River Rouge

The auto insurance costs in River Rouge fall around $971 for six months.
The cheapest auto insurance company in River Rouge is Travelers.
Teen drivers pay the highest rate in River Rouge at $1903 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 $410. Farmers is the most expensive at $3733 for the same period.

Cheapest Liability Coverage in River Rouge, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$410	$69
Westfield	$433	$73
USAA	$514	$87
Encompass	$561	$95
Chubb	$597	$102
Auto-Owners Insurance Co	$644	$106
Auto-Owners	$713	$120
Progressive	$808	$136
AAA	$820	$140
Farm Bureau Ins of MI	$831	$138
Farm Bureau	$1042	$177
Pioneer State Mutual	$1054	$175
Frankenmuth	$1241	$211
State Farm	$1919	$323
Bristol West	$1931	$329
Allstate	$1509	$256
Farmers	$3733	$623

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 $164 per month and $971 for six months.

Cheapest Full Coverage Car Insurance Quotes in River Rouge, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$971	$164
USAA	$1241	$209
Encompass	$1346	$229
Auto-Owners Insurance Co	$1381	$230
Chubb	$1452	$246
Farm Bureau Ins of MI	$1708	$286
Auto-Owners	$1791	$301
AAA	$1803	$303
Pioneer State Mutual Ins Co	$1860	$317
Progressive	$1907	$321
Westfield	$2317	$390
Farm Bureau	$3312	$552
Pioneer State Mutual	$3605	$613
State Farm	$3849	$648
Frankenmuth	$4096	$697
Bristol West	$4622	$770
Allstate	$3546	$603
Farmers	$7185	$1221
Hastings Mutual	$1604	$268

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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

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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 $81 per month. At $11420 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$481	$81
Westfield	$514	$87
Encompass	$561	$95
Chubb	$668	$114
Auto-Owners Insurance Co	$701	$116
Grange	$912	$156
USAA	$1978	$333
Auto-Owners	$2480	$418
AAA	$3219	$542
Progressive	$4541	$764
Farm Bureau	$5406	$900
Pioneer State Mutual	$6341	$1078
Frankenmuth	$7559	$1261
State Farm	$10626	$1806
Allstate	$7677	$1306
Farmers	$32952	$5603
Bristol West	$11420	$1903

Teen Car Insurance Rates in MI by Age

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 $784 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 $2480 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$784	$130
Encompass	$808	$138
Progressive	$1135	$189
Westfield	$1194	$203
Auto-Owners Insurance Co	$1265	$211
Pioneer State Mutual Ins Co	$1544	$262
Grange	$1954	$325
Farm Bureau Ins of MI	$2480	$422

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

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 $597 and $632, respectively. Pioneer State is an expensive provider with an average six-month premium of $936.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$597	$102
Westfield	$632	$104
Auto-Owners Insurance Co	$737	$126
Encompass	$831	$138
Farm Bureau Ins of MI	$983	$167
Pioneer State Mutual Ins Co	$1087	$181
Travelers	$1158	$195
USAA	$1509	$254
Progressive	$1791	$301
Auto-Owners	$2082	$351
AAA	$2480	$418
Farm Bureau	$4048	$676
Pioneer State Mutual	$4318	$735
State Farm	$4880	$814
Frankenmuth	$5266	$896
Allstate	$5652	$942
Farmers	$10098	$1718
Pioneer State	$936	$156

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 $4728 for a six month policy. While the rate increases by $2575 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	$2575	$429
Failure to wear a seat belt	$3054	$520
Cell phone violation	$3241	$540
Texting while driving	$3241	$552
Illegal turn	$3252	$542
Wrong way/wrong lane	$3252	$554
Speeding in school zone	$3300	$550
Driving with expired registration	$3323	$565
Failure to stop at a red light	$3359	$559
Improper passing	$3359	$571
Speeding 16 - 20 MPH over limit	$3733	$623
Open container	$4399	$749
Driving with a suspended license	$4927	$821
Racing	$6353	$1080
Reckless driving	$6905	$1150
Leaving scene of an accident/hit and run	$7080	$1204
DUI	$7303	$1217

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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 $597 for a six-month policy. However, it can be as expensive as $18441 with companies like Allstate.

River Rouge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$597	$99
Auto-Owners Insurance Co	$1580	$268
Grange	$1592	$266
Farmers	$1615	$274
Progressive	$1779	$299
Pioneer State Mutual Ins Co	$1919	$327
USAA	$2130	$359
Travelers	$2352	$400
Auto-Owners	$3804	$640
Westfield	$3873	$652
AAA	$4271	$719
Bristol West	$5477	$932
Pioneer State Mutual	$6893	$1149
Farm Bureau	$8109	$1379
State Farm	$10029	$1688
Frankenmuth	$18150	$3087
Allstate	$18441	$3073

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 $514. However, it can be as expensive as $23276 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	$514	$87
Chubb	$597	$99
Encompass	$632	$108
Travelers	$772	$128
Auto-Owners Insurance Co	$820	$140
Farm Bureau Ins of MI	$1170	$195
Grange	$1241	$211
Auto-Owners	$1556	$260
USAA	$1592	$270
AAA	$2013	$335
Farm Bureau	$2082	$355
Pioneer State Mutual	$2293	$382
Progressive	$2340	$394
Frankenmuth	$3745	$624
State Farm	$6810	$1158
Allstate	$4622	$786
Farmers	$23276	$3958

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 $414 in January compared to $528 of December. In other words, there has been an decrease by $114 when you compare January and December.

The average cost of liability insurance in the River Rouge dipped to $146 in January, compared to $175 in December. This represents an decrease of $29 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in River Rouge?

The car insurance in River Rouge is $69 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 $164 per month for full coverage.

How much is car insurance in River Rouge for teenagers?

Car insurance for teenagers costs $481 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 $1324 for a six-month policy. It will cost around $439 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 N/A 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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