Cheapest Car Insurance Quotes in Romulus

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Romulus Car Insurance

^$ 56

/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 Romulus

The car insurance rate in Romulus is $1913 for a six-month policy, which is $710 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $784, making it a popular choice for budget-conscious drivers. Rates in Romulus 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 Romulus

$1913

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Romulus

1st place: Travelers

At $784 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $983 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1086 for six months, making it the third cheapest auto insurance company in Romulus.

Romulus Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Romulus, MI is Travelers, offering policies at just $784 for a six-month term. This is followed by USAA, which has an average six-month premium of $983.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1294 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Romulus drivers find the best deals.

Cheap Car Insurance Companies in Romulus, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$784	$132
USAA	$983	$165
Encompass	$1086	$181
Auto-Owners Insurance Co	$1115	$189
Chubb	$1172	$196
Auto-Owners	$1313	$221
AAA	$1340	$226
Farm Bureau Ins of MI	$1379	$234
Pioneer State Mutual Ins Co	$1501	$250
Progressive	$1501	$253
Westfield	$1870	$315
Farm Bureau	$2107	$358
State Farm	$2682	$452
Allstate	$2862	$487
Bristol West	$3730	$622
Farmers	$5799	$986
Hastings Mutual	$1294	$216

Key Takeaways

Way's key takeaways about car insurance in Romulus

The auto insurance costs in Romulus fall around $784 for six months.
The cheapest auto insurance company in Romulus is Travelers.
Teen drivers pay the highest rate in Romulus at $1536 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Romulus

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 Romulus are given below.

Travelers provides the cheapest minimum car insurance coverage in Romulus. Their Average 6 Month Premium is $331. Hastings Mutual is the most expensive at $566 for the same period.

Cheapest Liability Coverage in Romulus, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$331	$56
Westfield	$350	$59
USAA	$444	$75
Encompass	$453	$76
Chubb	$482	$80
Auto-Owners Insurance Co	$520	$89
Auto-Owners	$614	$103
Farm Bureau Ins of MI	$671	$114
Progressive	$690	$116
AAA	$822	$140
Farm Bureau	$1038	$173
Allstate	$1218	$207
Bristol West	$1558	$259
State Farm	$1671	$281
Farmers	$3013	$502
Hastings Mutual	$566	$94

Cheapest Full Coverage Car Insurance in Romulus

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 Romulus is Travelers at $132 per month and $784 for six months.

Cheapest Full Coverage Car Insurance Quotes in Romulus, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$784	$132
USAA	$983	$165
Encompass	$1086	$181
Auto-Owners Insurance Co	$1115	$189
Chubb	$1172	$196
Auto-Owners	$1313	$221
AAA	$1340	$226
Farm Bureau Ins of MI	$1379	$234
Pioneer State Mutual Ins Co	$1501	$250
Progressive	$1501	$253
Westfield	$1870	$315
Farm Bureau	$2107	$358
State Farm	$2682	$452
Allstate	$2862	$487
Bristol West	$3730	$622
Farmers	$5799	$986
Hastings Mutual	$1294	$216

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Average Car Insurance in Romulus 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 Romulus, MI increasing?

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

Car Insurance Premiums by Age in Romulus

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	$444
30s	USAA	$337
40s	USAA	$323
50s	USAA	$310
60s	Chubb	$283
70s	Chubb	$310

Cheapest Car Insurance Rates for Teen Drivers in Romulus,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Romulus at $65 per month. At $9217 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$388	$65
Westfield	$415	$70
Encompass	$453	$76
Chubb	$539	$92
Auto-Owners Insurance Co	$566	$94
Grange	$736	$126
USAA	$1493	$251
Auto-Owners	$1786	$301
AAA	$2380	$401
Farm Bureau	$3428	$584
Progressive	$3674	$619
Allstate	$6196	$1054
State Farm	$6357	$1059
Farmers	$26596	$4522
Bristol West	$9217	$1536

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 Romulus.

As young drivers face the highest rates in Romulus, Chubb offers the cheapest auto insurance rates at $444 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 Romulus, Travelers is the cheapest car insurance provider. At $633 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 Romulus is Farm Bureau Ins of MI, offering rates of around $2002 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$633	$108
Encompass	$652	$108
Progressive	$916	$156
Westfield	$964	$161
Auto-Owners Insurance Co	$1021	$173
Pioneer State Mutual Ins Co	$1247	$208
Grange	$1577	$269
Farm Bureau Ins of MI	$2002	$334

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

Car Insurance Rates with An Accident in Romulus

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

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

The cheapest car insurance companies after an at-fault accident in Romulus include Chubb and Westfield, offering $482 and $510, respectively. Pioneer State is an expensive provider with an average six-month premium of $755.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$482	$83
Westfield	$510	$84
Auto-Owners Insurance Co	$595	$102
Encompass	$671	$111
Farm Bureau Ins of MI	$793	$135
Pioneer State Mutual Ins Co	$878	$146
Travelers	$935	$157
USAA	$1172	$197
Progressive	$1294	$218
Auto-Owners	$1445	$243
AAA	$1851	$312
Farm Bureau	$2579	$429
State Farm	$2937	$499
Allstate	$4562	$760
Farmers	$8150	$1386
Pioneer State	$755	$126

Romulus Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Romulus MI. For example, the car insurance in Romulus after a DUI increases to $3816 for a six month policy. While the rate increases by $2078 for a six-month policy in the case of a speeding ticket.

Romulus auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2078	$347
Failure to wear a seat belt	$2465	$420
Cell phone violation	$2616	$436
Texting while driving	$2616	$445
Illegal turn	$2625	$437
Wrong way/wrong lane	$2625	$447
Speeding in school zone	$2663	$444
Driving with expired registration	$2682	$456
Failure to stop at a red light	$2711	$452
Improper passing	$2711	$461
Speeding 16 - 20 MPH over limit	$3013	$502
Open container	$3550	$604
Driving with a suspended license	$3977	$663
Racing	$5128	$871
Reckless driving	$5573	$929
Leaving scene of an accident/hit and run	$5714	$971
DUI	$5894	$983

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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 Romulus 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 Romulus.

The cheapest car insurance premiums in Romulus are offered by Chubb at $482 for a six-month policy. However, it can be as expensive as $14884 with companies like Allstate.

Romulus car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$482	$80
Auto-Owners Insurance Co	$1275	$216
Grange	$1285	$215
Progressive	$1369	$231
Pioneer State Mutual Ins Co	$1549	$258
USAA	$1671	$281
Travelers	$1898	$316
Auto-Owners	$2872	$483
Westfield	$3126	$526
AAA	$3229	$544
Bristol West	$4420	$736
Farmers	$4533	$763
Farm Bureau	$5365	$894
State Farm	$6753	$1137
Allstate	$14884	$2480

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 Romulus are offered by Westfield at $415. However, it can be as expensive as $18786 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Romulus after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$415	$70
Chubb	$482	$80
Encompass	$510	$87
Travelers	$623	$103
Auto-Owners Insurance Co	$661	$113
Farm Bureau Ins of MI	$944	$157
USAA	$983	$167
Grange	$1002	$167
Auto-Owners	$1379	$234
Progressive	$2021	$340
AAA	$2050	$348
Farm Bureau	$2059	$343
Allstate	$3730	$634
State Farm	$6261	$1043
Farmers	$18786	$3194

Car Insurance Price Trends in Romulus, Michigan

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

The average cost of full coverage in the Romulus dipped by $426 in December compared to $437 of November. In other words, there has been an decrease by $11 when you compare December and November.

The average cost of liability insurance in the Romulus rose to $142 in December, compared to $130 in November. This represents an increase of $12 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Romulus?

The car insurance in Romulus is $56 per month, which is lower than the national average.

What is the cheapest car insurance in Romulus?

The cheapest car insurance in Romulus is $132 per month for full coverage.

How much is car insurance in Romulus for teenagers?

Car insurance for teenagers costs $388 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 Romulus?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $321 per month to insure your car in Romulus.

Is car insurance expensive in Romulus?

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

Cheapest Car Insurance Quotes in Romulus

Why you can trust Way?

How Much Is Car Insurance in Romulus

Avg. Car Insurance in Romulus

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Romulus

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Romulus Car Insurance Rates by Company

Cheap Car Insurance Companies in Romulus, MI

Way's key takeaways about car insurance in Romulus

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Romulus

Cheapest Liability Coverage in Romulus, MI

Cheapest Full Coverage Car Insurance in Romulus

Cheapest Full Coverage Car Insurance Quotes in Romulus, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Romulus by Rating Factor

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

Car Insurance Premiums by Age in Romulus

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Romulus,MI

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

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 Romulus

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

Romulus Car Insurance Rates by Violation

Romulus auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Romulus after a DUI

Romulus car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Romulus after Speeding ticket

Car Insurance Price Trends in Romulus, Michigan

Average Car Insurance Cost in Romulus by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Romulus, MI

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

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