Cheapest Car Insurance Quotes in Roseville

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Roseville Car Insurance

^$ 54

/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 Roseville

The car insurance rate in Roseville is $1853 for a six-month policy, which is $650 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $759, making it a popular choice for budget-conscious drivers. Rates in Roseville 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 Roseville

$1853

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Roseville

1st place: Travelers

At $759 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $952 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1052 for six months, making it the third cheapest auto insurance company in Roseville.

Roseville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Roseville, MI is Travelers, offering policies at just $759 for a six-month term. This is followed by USAA, which has an average six-month premium of $952.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1254 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Roseville drivers find the best deals.

Cheap Car Insurance Companies in Roseville, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$759	$128
USAA	$952	$160
Encompass	$1052	$176
Auto-Owners Insurance Co	$1080	$183
Chubb	$1135	$189
Auto-Owners	$1272	$214
AAA	$1298	$219
Farm Bureau Ins of MI	$1335	$226
Pioneer State Mutual Ins Co	$1454	$242
Progressive	$1454	$245
Westfield	$1811	$305
Farm Bureau	$2041	$347
State Farm	$2598	$437
Allstate	$2772	$471
Bristol West	$3613	$602
Farmers	$5616	$955
Hastings Mutual	$1254	$209

Key Takeaways

Way's key takeaways about car insurance in Roseville

The auto insurance costs in Roseville fall around $759 for six months.
The cheapest auto insurance company in Roseville is Travelers.
Teen drivers pay the highest rate in Roseville at $1488 per month.

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Cheapest Minimum Liability Car Insurance in Roseville

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 Roseville are given below.

Travelers provides the cheapest minimum car insurance coverage in Roseville. Their Average 6 Month Premium is $320. Hastings Mutual is the most expensive at $548 for the same period.

Cheapest Liability Coverage in Roseville, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$320	$54
Westfield	$339	$57
USAA	$430	$72
Encompass	$439	$74
Chubb	$467	$77
Auto-Owners Insurance Co	$504	$86
Auto-Owners	$594	$100
Farm Bureau Ins of MI	$650	$111
Progressive	$668	$112
AAA	$796	$136
Farm Bureau	$1006	$168
Allstate	$1180	$200
Bristol West	$1509	$251
State Farm	$1619	$273
Farmers	$2918	$487
Hastings Mutual	$548	$91

Cheapest Full Coverage Car Insurance in Roseville

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 Roseville is Travelers at $128 per month and $759 for six months.

Cheapest Full Coverage Car Insurance Quotes in Roseville, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$759	$128
USAA	$952	$160
Encompass	$1052	$176
Auto-Owners Insurance Co	$1080	$183
Chubb	$1135	$189
Auto-Owners	$1272	$214
AAA	$1298	$219
Farm Bureau Ins of MI	$1335	$226
Pioneer State Mutual Ins Co	$1454	$242
Progressive	$1454	$245
Westfield	$1811	$305
Farm Bureau	$2041	$347
State Farm	$2598	$437
Allstate	$2772	$471
Bristol West	$3613	$602
Farmers	$5616	$955
Hastings Mutual	$1254	$209

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Average Car Insurance in Roseville 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 Roseville, MI increasing?

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

Car Insurance Premiums by Age in Roseville

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	$430
30s	USAA	$326
40s	USAA	$313
50s	USAA	$300
60s	Chubb	$274
70s	Chubb	$300

Cheapest Car Insurance Rates for Teen Drivers in Roseville,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Roseville at $63 per month. At $8927 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$376	$63
Westfield	$402	$68
Encompass	$439	$74
Chubb	$522	$89
Auto-Owners Insurance Co	$548	$91
Grange	$713	$122
USAA	$1446	$243
Auto-Owners	$1729	$291
AAA	$2305	$388
Farm Bureau	$3320	$565
Progressive	$3559	$599
Allstate	$6001	$1021
State Farm	$6157	$1026
Farmers	$25760	$4380
Bristol West	$8927	$1488

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 Roseville.

As young drivers face the highest rates in Roseville, Chubb offers the cheapest auto insurance rates at $430 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 Roseville, Travelers is the cheapest car insurance provider. At $613 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 Roseville is Farm Bureau Ins of MI, offering rates of around $1939 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$613	$105
Encompass	$631	$105
Progressive	$887	$151
Westfield	$933	$156
Auto-Owners Insurance Co	$989	$168
Pioneer State Mutual Ins Co	$1207	$202
Grange	$1528	$260
Farm Bureau Ins of MI	$1939	$323

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Car Insurance Rates with An Accident in Roseville

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

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

The cheapest car insurance companies after an at-fault accident in Roseville include Chubb and Westfield, offering $467 and $494, respectively. Pioneer State is an expensive provider with an average six-month premium of $732.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$467	$80
Westfield	$494	$82
Auto-Owners Insurance Co	$576	$99
Encompass	$650	$108
Farm Bureau Ins of MI	$768	$131
Pioneer State Mutual Ins Co	$850	$142
Travelers	$906	$152
USAA	$1135	$191
Progressive	$1254	$211
Auto-Owners	$1400	$236
AAA	$1793	$302
Farm Bureau	$2498	$416
State Farm	$2844	$484
Allstate	$4418	$736
Farmers	$7894	$1343
Pioneer State	$732	$122

Roseville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Roseville MI. For example, the car insurance in Roseville after a DUI increases to $3696 for a six month policy. While the rate increases by $2013 for a six-month policy in the case of a speeding ticket.

Roseville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2013	$336
Failure to wear a seat belt	$2387	$407
Cell phone violation	$2533	$422
Texting while driving	$2533	$431
Illegal turn	$2543	$424
Wrong way/wrong lane	$2543	$433
Speeding in school zone	$2580	$430
Driving with expired registration	$2598	$442
Failure to stop at a red light	$2626	$437
Improper passing	$2626	$447
Speeding 16 - 20 MPH over limit	$2918	$487
Open container	$3439	$585
Driving with a suspended license	$3852	$642
Racing	$4967	$844
Reckless driving	$5398	$899
Leaving scene of an accident/hit and run	$5535	$941
DUI	$5709	$952

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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 Roseville 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 Roseville.

The cheapest car insurance premiums in Roseville are offered by Chubb at $467 for a six-month policy. However, it can be as expensive as $14416 with companies like Allstate.

Roseville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$467	$77
Auto-Owners Insurance Co	$1235	$209
Grange	$1244	$208
Progressive	$1326	$223
Pioneer State Mutual Ins Co	$1500	$249
USAA	$1619	$273
Travelers	$1839	$306
Auto-Owners	$2781	$468
Westfield	$3028	$510
AAA	$3128	$527
Bristol West	$4281	$713
Farmers	$4391	$739
Farm Bureau	$5196	$865
State Farm	$6540	$1101
Allstate	$14416	$2402

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 Roseville are offered by Westfield at $402. However, it can be as expensive as $18195 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Roseville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$402	$68
Chubb	$467	$77
Encompass	$494	$85
Travelers	$604	$100
Auto-Owners Insurance Co	$641	$109
Farm Bureau Ins of MI	$915	$152
USAA	$952	$162
Grange	$970	$162
Auto-Owners	$1335	$226
Progressive	$1957	$330
AAA	$1985	$337
Farm Bureau	$1994	$333
Allstate	$3613	$614
State Farm	$6065	$1010
Farmers	$18195	$3094

Car Insurance Price Trends in Roseville, Michigan

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

The average cost of full coverage in the Roseville dipped by $413 in December compared to $424 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 Roseville rose to $137 in December, compared to $126 in November. This represents an increase of $11 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Roseville?

The car insurance in Roseville is $54 per month, which is lower than the national average.

What is the cheapest car insurance in Roseville?

The cheapest car insurance in Roseville is $128 per month for full coverage.

How much is car insurance in Roseville for teenagers?

Car insurance for teenagers costs $376 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 Roseville?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $311 per month to insure your car in Roseville.

Is car insurance expensive in Roseville?

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

Cheapest Car Insurance Quotes in Roseville

Why you can trust Way?

How Much Is Car Insurance in Roseville

Avg. Car Insurance in Roseville

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Roseville

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Roseville Car Insurance Rates by Company

Cheap Car Insurance Companies in Roseville, MI

Way's key takeaways about car insurance in Roseville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Roseville

Cheapest Liability Coverage in Roseville, MI

Cheapest Full Coverage Car Insurance in Roseville

Cheapest Full Coverage Car Insurance Quotes in Roseville, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Roseville by Rating Factor

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

Car Insurance Premiums by Age in Roseville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Roseville,MI

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

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 Roseville

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

Roseville Car Insurance Rates by Violation

Roseville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Roseville after a DUI

Roseville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Roseville after Speeding ticket

Car Insurance Price Trends in Roseville, Michigan

Average Car Insurance Cost in Roseville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Roseville, MI

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

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