Cheapest Car Insurance Quotes in Southfield

Finding the cheapest car insurance quotes in Southfield shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Southfield Car Insurance

^$ 61

/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 Southfield

The car insurance rate in Southfield is $2304 for a six-month policy, which is $980 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $858, making it a popular choice for budget-conscious drivers. Rates in Southfield 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 Southfield

$2304

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Southfield

1st place: Travelers

At $858 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1096 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1188 for six months, making it the third cheapest auto insurance company in Southfield.

Southfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Southfield, MI is Travelers, offering policies at just $858 for a six-month term. This is followed by USAA, which has an average six-month premium of $1096.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1416 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Southfield drivers find the best deals.

Cheap Car Insurance Companies in Southfield, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$858	$144
USAA	$1096	$184
Encompass	$1188	$202
Auto-Owners Insurance Co	$1220	$204
Chubb	$1282	$218
Farm Bureau Ins of MI	$1509	$252
Auto-Owners	$1582	$266
AAA	$1592	$268
Pioneer State Mutual Ins Co	$1643	$280
Progressive	$1684	$284
Westfield	$2046	$345
Farm Bureau	$2925	$487
Pioneer State Mutual	$3184	$541
State Farm	$3400	$572
Frankenmuth	$3617	$616
Bristol West	$4082	$680
Allstate	$3132	$532
Farmers	$6346	$1079
Hastings Mutual	$1416	$237

Key Takeaways

Way's key takeaways about car insurance in Southfield

The auto insurance costs in Southfield fall around $858 for six months.
The cheapest auto insurance company in Southfield is Travelers.
Teen drivers pay the highest rate in Southfield at $1681 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Southfield

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 Southfield are given below.

Travelers provides the cheapest minimum car insurance coverage in Southfield. Their Average 6 Month Premium is $362. Farmers is the most expensive at $3297 for the same period.

Cheapest Liability Coverage in Southfield, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$362	$61
Westfield	$383	$64
USAA	$454	$77
Encompass	$496	$84
Chubb	$527	$90
Auto-Owners Insurance Co	$569	$94
Auto-Owners	$630	$106
Progressive	$713	$120
AAA	$724	$124
Farm Bureau Ins of MI	$734	$122
Farm Bureau	$920	$157
Pioneer State Mutual	$931	$155
Frankenmuth	$1096	$186
State Farm	$1695	$285
Bristol West	$1705	$291
Allstate	$1333	$226
Farmers	$3297	$550

Cheapest Full Coverage Car Insurance in Southfield

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 Southfield is Travelers at $144 per month and $858 for six months.

Cheapest Full Coverage Car Insurance Quotes in Southfield, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$858	$144
USAA	$1096	$184
Encompass	$1188	$202
Auto-Owners Insurance Co	$1220	$204
Chubb	$1282	$218
Farm Bureau Ins of MI	$1509	$252
Auto-Owners	$1582	$266
AAA	$1592	$268
Pioneer State Mutual Ins Co	$1643	$280
Progressive	$1684	$284
Westfield	$2046	$345
Farm Bureau	$2925	$487
Pioneer State Mutual	$3184	$541
State Farm	$3400	$572
Frankenmuth	$3617	$616
Bristol West	$4082	$680
Allstate	$3132	$532
Farmers	$6346	$1079
Hastings Mutual	$1416	$237

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Southfield Instantly!

Average Car Insurance in Southfield 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 Southfield, MI increasing?

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

Car Insurance Premiums by Age in Southfield

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Southfield,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Southfield at $71 per month. At $10087 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$425	$71
Westfield	$454	$77
Encompass	$496	$84
Chubb	$590	$101
Auto-Owners Insurance Co	$619	$103
Grange	$806	$137
USAA	$1747	$294
Auto-Owners	$2191	$369
AAA	$2843	$479
Progressive	$4011	$675
Farm Bureau	$4775	$795
Pioneer State Mutual	$5601	$952
Frankenmuth	$6676	$1114
State Farm	$9386	$1596
Allstate	$6781	$1154
Farmers	$29105	$4949
Bristol West	$10087	$1681

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 Southfield, Travelers is the cheapest car insurance provider. At $693 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 Southfield is Farm Bureau Ins of MI, offering rates of around $2191 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$693	$115
Encompass	$713	$122
Progressive	$1002	$167
Westfield	$1054	$179
Auto-Owners Insurance Co	$1117	$186
Pioneer State Mutual Ins Co	$1364	$231
Grange	$1726	$287
Farm Bureau Ins of MI	$2191	$372

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Southfield

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

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

The cheapest car insurance companies after an at-fault accident in Southfield include Chubb and Westfield, offering $527 and $559, respectively. Pioneer State is an expensive provider with an average six-month premium of $827.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$527	$90
Westfield	$559	$92
Auto-Owners Insurance Co	$651	$111
Encompass	$734	$122
Farm Bureau Ins of MI	$868	$148
Pioneer State Mutual Ins Co	$960	$160
Travelers	$1023	$172
USAA	$1333	$224
Progressive	$1582	$266
Auto-Owners	$1839	$310
AAA	$2191	$369
Farm Bureau	$3576	$597
Pioneer State Mutual	$3814	$649
State Farm	$4310	$719
Frankenmuth	$4651	$792
Allstate	$4992	$832
Farmers	$8919	$1517
Pioneer State	$827	$137

Southfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Southfield MI. For example, the car insurance in Southfield after a DUI increases to $4176 for a six month policy. While the rate increases by $2274 for a six-month policy in the case of a speeding ticket.

Southfield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2274	$379
Failure to wear a seat belt	$2697	$459
Cell phone violation	$2862	$477
Texting while driving	$2862	$487
Illegal turn	$2873	$479
Wrong way/wrong lane	$2873	$489
Speeding in school zone	$2915	$485
Driving with expired registration	$2935	$499
Failure to stop at a red light	$2967	$494
Improper passing	$2967	$505
Speeding 16 - 20 MPH over limit	$3297	$550
Open container	$3885	$661
Driving with a suspended license	$4352	$726
Racing	$5612	$954
Reckless driving	$6099	$1016
Leaving scene of an accident/hit and run	$6254	$1063
DUI	$6450	$1075

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Southfield 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 Southfield.

The cheapest car insurance premiums in Southfield are offered by Chubb at $527 for a six-month policy. However, it can be as expensive as $16288 with companies like Allstate.

Southfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$527	$87
Auto-Owners Insurance Co	$1395	$237
Grange	$1406	$235
Farmers	$1427	$242
Progressive	$1571	$264
Pioneer State Mutual Ins Co	$1695	$289
USAA	$1881	$317
Travelers	$2078	$353
Auto-Owners	$3360	$566
Westfield	$3421	$576
AAA	$3772	$635
Bristol West	$4837	$823
Pioneer State Mutual	$6088	$1014
Farm Bureau	$7162	$1218
State Farm	$8858	$1491
Frankenmuth	$16031	$2727
Allstate	$16288	$2714

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 Southfield are offered by Westfield at $454. However, it can be as expensive as $20558 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Southfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$454	$77
Chubb	$527	$87
Encompass	$559	$96
Travelers	$682	$113
Auto-Owners Insurance Co	$724	$124
Farm Bureau Ins of MI	$1034	$172
Grange	$1096	$186
Auto-Owners	$1375	$230
USAA	$1406	$238
AAA	$1778	$296
Farm Bureau	$1839	$313
Pioneer State Mutual	$2025	$338
Progressive	$2067	$348
Frankenmuth	$3308	$552
State Farm	$6015	$1023
Allstate	$4082	$694
Farmers	$20558	$3496

Car Insurance Price Trends in Southfield, Michigan

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

The average cost of full coverage in the Southfield dipped by $365 in January compared to $466 of December. In other words, there has been an decrease by $101 when you compare January and December.

The average cost of liability insurance in the Southfield dipped to $129 in January, compared to $155 in December. This represents an decrease of $26 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Average Car Insurance Cost in Southfield by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Southfield. At $2787 for a six-month policy, insuring your car at 48033 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
48033	$2787	$469
48034	$2695	$453
48075	$2948	$496
48076	$3040	$512

Frequently Asked Questions

How much is car insurance in Southfield?

The car insurance in Southfield is $61 per month, which is lower than the national average.

What is the cheapest car insurance in Southfield?

The cheapest car insurance in Southfield is $144 per month for full coverage.

How much is car insurance in Southfield for teenagers?

Car insurance for teenagers costs $425 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 Southfield?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $388 per month to insure your car in Southfield.

Is car insurance expensive in Southfield?

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

Cheapest Car Insurance Quotes in Southfield

Why you can trust Way?

How Much Is Car Insurance in Southfield

Avg. Car Insurance in Southfield

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Southfield

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Southfield Car Insurance Rates by Company

Cheap Car Insurance Companies in Southfield, MI

Way's key takeaways about car insurance in Southfield

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Southfield

Cheapest Liability Coverage in Southfield, MI

Cheapest Full Coverage Car Insurance in Southfield

Cheapest Full Coverage Car Insurance Quotes in Southfield, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Southfield by Rating Factor

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

Car Insurance Premiums by Age in Southfield

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Southfield,MI

If you are in your twenties N/A is the best choice for car insurance in Southfield.

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 Southfield

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

Southfield Car Insurance Rates by Violation

Southfield auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Southfield after a DUI

Southfield car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Southfield after Speeding ticket

Car Insurance Price Trends in Southfield, Michigan

Average Car Insurance Cost in Southfield by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Southfield, MI

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

Featured Blogs

Data Sources