Cheapest Car Insurance Quotes in Rochester Hills

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Rochester Hills 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 Rochester Hills

The car insurance rate in Rochester Hills is $1227 for a six-month policy, which is $24 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $503, making it a popular choice for budget-conscious drivers. Rates in Rochester Hills 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 Rochester Hills

$1227

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Rochester Hills

1st place: Travelers

At $503 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $630 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $697 for six months, making it the third cheapest auto insurance company in Rochester Hills.

Rochester Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rochester Hills, MI is Travelers, offering policies at just $503 for a six-month term. This is followed by USAA, which has an average six-month premium of $630.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $830 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rochester Hills drivers find the best deals.

Cheap Car Insurance Companies in Rochester Hills, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$503	$85
USAA	$630	$106
Encompass	$697	$116
Auto-Owners Insurance Co	$715	$121
Chubb	$752	$125
Auto-Owners	$843	$142
AAA	$860	$145
Farm Bureau Ins of MI	$884	$150
Pioneer State Mutual Ins Co	$963	$160
Progressive	$963	$162
Westfield	$1200	$202
Farm Bureau	$1352	$230
State Farm	$1721	$290
Allstate	$1836	$312
Bristol West	$2393	$399
Farmers	$3720	$632
Hastings Mutual	$830	$139

Key Takeaways

Way's key takeaways about car insurance in Rochester Hills

The auto insurance costs in Rochester Hills fall around $503 for six months.
The cheapest auto insurance company in Rochester Hills is Travelers.
Teen drivers pay the highest rate in Rochester Hills at $985 per month.

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Cheapest Minimum Liability Car Insurance in Rochester Hills

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 Rochester Hills are given below.

Travelers provides the cheapest minimum car insurance coverage in Rochester Hills. Their Average 6 Month Premium is $212. Hastings Mutual is the most expensive at $363 for the same period.

Cheapest Liability Coverage in Rochester Hills, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$212	$36
Westfield	$224	$38
USAA	$285	$48
Encompass	$291	$49
Chubb	$309	$51
Auto-Owners Insurance Co	$334	$57
Auto-Owners	$394	$66
Farm Bureau Ins of MI	$430	$73
Progressive	$443	$74
AAA	$527	$90
Farm Bureau	$666	$111
Allstate	$781	$133
Bristol West	$1000	$166
State Farm	$1072	$181
Farmers	$1933	$322
Hastings Mutual	$363	$60

Cheapest Full Coverage Car Insurance in Rochester Hills

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 Rochester Hills is Travelers at $85 per month and $503 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rochester Hills, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$503	$85
USAA	$630	$106
Encompass	$697	$116
Auto-Owners Insurance Co	$715	$121
Chubb	$752	$125
Auto-Owners	$843	$142
AAA	$860	$145
Farm Bureau Ins of MI	$884	$150
Pioneer State Mutual Ins Co	$963	$160
Progressive	$963	$162
Westfield	$1200	$202
Farm Bureau	$1352	$230
State Farm	$1721	$290
Allstate	$1836	$312
Bristol West	$2393	$399
Farmers	$3720	$632
Hastings Mutual	$830	$139

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Average Car Insurance in Rochester Hills 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 Rochester Hills, MI increasing?

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

Car Insurance Premiums by Age in Rochester Hills

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	$285
30s	USAA	$216
40s	USAA	$207
50s	USAA	$199
60s	Chubb	$182
70s	Chubb	$199

Cheapest Car Insurance Rates for Teen Drivers in Rochester Hills,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Rochester Hills at $42 per month. At $5913 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$249	$42
Westfield	$266	$45
Encompass	$291	$49
Chubb	$346	$59
Auto-Owners Insurance Co	$363	$60
Grange	$472	$81
USAA	$958	$161
Auto-Owners	$1145	$193
AAA	$1527	$257
Farm Bureau	$2199	$374
Progressive	$2357	$397
Allstate	$3975	$676
State Farm	$4078	$679
Farmers	$17062	$2901
Bristol West	$5913	$985

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 Rochester Hills.

As young drivers face the highest rates in Rochester Hills, Chubb offers the cheapest auto insurance rates at $285 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 Rochester Hills, Travelers is the cheapest car insurance provider. At $406 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 Rochester Hills is Farm Bureau Ins of MI, offering rates of around $1284 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$406	$69
Encompass	$418	$69
Progressive	$588	$100
Westfield	$618	$103
Auto-Owners Insurance Co	$655	$111
Pioneer State Mutual Ins Co	$800	$134
Grange	$1012	$172
Farm Bureau Ins of MI	$1284	$214

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Car Insurance Rates with An Accident in Rochester Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Rochester Hills

The cheapest car insurance companies after an at-fault accident in Rochester Hills include Chubb and Westfield, offering $309 and $327, respectively. Pioneer State is an expensive provider with an average six-month premium of $485.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$309	$53
Westfield	$327	$54
Auto-Owners Insurance Co	$381	$65
Encompass	$430	$71
Farm Bureau Ins of MI	$509	$87
Pioneer State Mutual Ins Co	$563	$94
Travelers	$600	$101
USAA	$752	$126
Progressive	$830	$140
Auto-Owners	$927	$156
AAA	$1187	$200
Farm Bureau	$1654	$275
State Farm	$1884	$320
Allstate	$2926	$488
Farmers	$5229	$889
Pioneer State	$485	$81

Rochester Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rochester Hills MI. For example, the car insurance in Rochester Hills after a DUI increases to $2448 for a six month policy. While the rate increases by $1333 for a six-month policy in the case of a speeding ticket.

Rochester Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1333	$222
Failure to wear a seat belt	$1581	$269
Cell phone violation	$1678	$279
Texting while driving	$1678	$286
Illegal turn	$1684	$281
Wrong way/wrong lane	$1684	$287
Speeding in school zone	$1709	$285
Driving with expired registration	$1721	$293
Failure to stop at a red light	$1739	$290
Improper passing	$1739	$296
Speeding 16 - 20 MPH over limit	$1933	$322
Open container	$2278	$388
Driving with a suspended license	$2551	$425
Racing	$3290	$559
Reckless driving	$3575	$596
Leaving scene of an accident/hit and run	$3666	$623
DUI	$3781	$630

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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 Rochester Hills 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 Rochester Hills.

The cheapest car insurance premiums in Rochester Hills are offered by Chubb at $309 for a six-month policy. However, it can be as expensive as $9548 with companies like Allstate.

Rochester Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$309	$51
Auto-Owners Insurance Co	$818	$139
Grange	$824	$138
Progressive	$878	$148
Pioneer State Mutual Ins Co	$993	$165
USAA	$1072	$181
Travelers	$1218	$203
Auto-Owners	$1842	$310
Westfield	$2005	$338
AAA	$2072	$349
Bristol West	$2836	$472
Farmers	$2908	$490
Farm Bureau	$3441	$573
State Farm	$4332	$729
Allstate	$9548	$1591

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 Rochester Hills are offered by Westfield at $266. However, it can be as expensive as $12051 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Rochester Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$266	$45
Chubb	$309	$51
Encompass	$327	$56
Travelers	$400	$66
Auto-Owners Insurance Co	$424	$72
Farm Bureau Ins of MI	$606	$101
USAA	$630	$107
Grange	$643	$107
Auto-Owners	$884	$150
Progressive	$1296	$218
AAA	$1315	$223
Farm Bureau	$1321	$220
Allstate	$2393	$407
State Farm	$4017	$669
Farmers	$12051	$2049

Car Insurance Price Trends in Rochester Hills, Michigan

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

The average cost of full coverage in the Rochester Hills dipped by $273 in December compared to $281 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 Rochester Hills rose to $91 in December, compared to $84 in November. This represents an increase of $7 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Rochester Hills?

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

What is the cheapest car insurance in Rochester Hills?

The cheapest car insurance in Rochester Hills is $85 per month for full coverage.

How much is car insurance in Rochester Hills for teenagers?

Car insurance for teenagers costs $249 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 Rochester Hills?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $206 per month to insure your car in Rochester Hills.

Is car insurance expensive in Rochester Hills?

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

Cheapest Car Insurance Quotes in Rochester Hills

Why you can trust Way?

How Much Is Car Insurance in Rochester Hills

Avg. Car Insurance in Rochester Hills

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Rochester Hills

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Rochester Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Rochester Hills, MI

Way's key takeaways about car insurance in Rochester Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rochester Hills

Cheapest Liability Coverage in Rochester Hills, MI

Cheapest Full Coverage Car Insurance in Rochester Hills

Cheapest Full Coverage Car Insurance Quotes in Rochester Hills, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rochester Hills by Rating Factor

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

Car Insurance Premiums by Age in Rochester Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rochester Hills,MI

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

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 Rochester Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Rochester Hills

Rochester Hills Car Insurance Rates by Violation

Rochester Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rochester Hills after a DUI

Rochester Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rochester Hills after Speeding ticket

Car Insurance Price Trends in Rochester Hills, Michigan

Average Car Insurance Cost in Rochester Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rochester Hills, MI

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

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