Cheapest Car Insurance Quotes in Southfield

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Southfield Car Insurance

^$ 76

/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 $2598 for a six-month policy, which is $1395 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1065, 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

$2598

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Southfield

1st place: Travelers

At $1065 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1335 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1475 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 $1065 for a six-month term. This is followed by USAA, which has an average six-month premium of $1335.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1758 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	$1065	$179
USAA	$1335	$225
Encompass	$1475	$246
Auto-Owners Insurance Co	$1514	$257
Chubb	$1592	$266
Auto-Owners	$1784	$300
AAA	$1821	$307
Farm Bureau Ins of MI	$1873	$318
Pioneer State Mutual Ins Co	$2039	$339
Progressive	$2039	$343
Westfield	$2540	$428
Farm Bureau	$2862	$486
State Farm	$3644	$613
Allstate	$3888	$661
Bristol West	$5067	$845
Farmers	$7878	$1339
Hastings Mutual	$1758	$294

Key Takeaways

Way's key takeaways about car insurance in Southfield

The auto insurance costs in Southfield fall around $1065 for six months.
The cheapest auto insurance company in Southfield is Travelers.
Teen drivers pay the highest rate in Southfield at $2087 per month.

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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 $449. Hastings Mutual is the most expensive at $769 for the same period.

Cheapest Liability Coverage in Southfield, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$449	$76
Westfield	$475	$80
USAA	$603	$102
Encompass	$616	$104
Chubb	$654	$108
Auto-Owners Insurance Co	$706	$121
Auto-Owners	$834	$140
Farm Bureau Ins of MI	$912	$156
Progressive	$937	$158
AAA	$1117	$190
Farm Bureau	$1410	$235
Allstate	$1655	$281
Bristol West	$2117	$352
State Farm	$2270	$382
Farmers	$4093	$683
Hastings Mutual	$769	$127

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 $179 per month and $1065 for six months.

Cheapest Full Coverage Car Insurance Quotes in Southfield, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1065	$179
USAA	$1335	$225
Encompass	$1475	$246
Auto-Owners Insurance Co	$1514	$257
Chubb	$1592	$266
Auto-Owners	$1784	$300
AAA	$1821	$307
Farm Bureau Ins of MI	$1873	$318
Pioneer State Mutual Ins Co	$2039	$339
Progressive	$2039	$343
Westfield	$2540	$428
Farm Bureau	$2862	$486
State Farm	$3644	$613
Allstate	$3888	$661
Bristol West	$5067	$845
Farmers	$7878	$1339
Hastings Mutual	$1758	$294

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Chubb	$603
30s	USAA	$458
40s	USAA	$438
50s	USAA	$421
60s	Chubb	$384
70s	Chubb	$421

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 $89 per month. At $12522 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$527	$89
Westfield	$564	$95
Encompass	$616	$104
Chubb	$732	$125
Auto-Owners Insurance Co	$769	$127
Grange	$1000	$171
USAA	$2028	$341
Auto-Owners	$2426	$408
AAA	$3234	$544
Farm Bureau	$4657	$793
Progressive	$4992	$840
Allstate	$8418	$1432
State Farm	$8636	$1439
Farmers	$36130	$6143
Bristol West	$12522	$2087

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 Southfield.

As young drivers face the highest rates in Southfield, Chubb offers the cheapest auto insurance rates at $603 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 Southfield, Travelers is the cheapest car insurance provider. At $860 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 $2719 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$860	$147
Encompass	$886	$147
Progressive	$1244	$212
Westfield	$1309	$218
Auto-Owners Insurance Co	$1387	$235
Pioneer State Mutual Ins Co	$1693	$283
Grange	$2143	$365
Farm Bureau Ins of MI	$2719	$454

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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 $654 and $693, respectively. Pioneer State is an expensive provider with an average six-month premium of $1026.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$654	$112
Westfield	$693	$114
Auto-Owners Insurance Co	$808	$138
Encompass	$912	$151
Farm Bureau Ins of MI	$1078	$184
Pioneer State Mutual Ins Co	$1192	$199
Travelers	$1270	$214
USAA	$1592	$268
Progressive	$1758	$296
Auto-Owners	$1963	$330
AAA	$2514	$423
Farm Bureau	$3504	$583
State Farm	$3990	$678
Allstate	$6197	$1032
Farmers	$11072	$1884
Pioneer State	$1026	$171

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 $5184 for a six month policy. While the rate increases by $2823 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	$2823	$471
Failure to wear a seat belt	$3348	$570
Cell phone violation	$3553	$592
Texting while driving	$3553	$605
Illegal turn	$3566	$594
Wrong way/wrong lane	$3566	$607
Speeding in school zone	$3618	$603
Driving with expired registration	$3644	$620
Failure to stop at a red light	$3683	$613
Improper passing	$3683	$626
Speeding 16 - 20 MPH over limit	$4093	$683
Open container	$4823	$821
Driving with a suspended license	$5402	$901
Racing	$6966	$1184
Reckless driving	$7571	$1261
Leaving scene of an accident/hit and run	$7763	$1320
DUI	$8007	$1335

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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 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 $654 for a six-month policy. However, it can be as expensive as $20220 with companies like Allstate.

Southfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$654	$108
Auto-Owners Insurance Co	$1732	$294
Grange	$1745	$292
Progressive	$1860	$313
Pioneer State Mutual Ins Co	$2104	$350
USAA	$2270	$382
Travelers	$2579	$430
Auto-Owners	$3901	$657
Westfield	$4247	$715
AAA	$4387	$739
Bristol West	$6005	$1000
Farmers	$6158	$1037
Farm Bureau	$7288	$1214
State Farm	$9174	$1544
Allstate	$20220	$3370

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 $564. However, it can be as expensive as $25520 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	$564	$95
Chubb	$654	$108
Encompass	$693	$119
Travelers	$847	$140
Auto-Owners Insurance Co	$899	$153
Farm Bureau Ins of MI	$1283	$214
USAA	$1335	$227
Grange	$1361	$227
Auto-Owners	$1873	$318
Progressive	$2745	$462
AAA	$2784	$473
Farm Bureau	$2797	$467
Allstate	$5067	$862
State Farm	$8506	$1417
Farmers	$25520	$4339

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 $579 in December compared to $594 of November. In other words, there has been an decrease by $15 when you compare December and November.

The average cost of liability insurance in the Southfield rose to $192 in December, compared to $177 in November. This represents an increase of $15 when comparing December and November.

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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 $3144 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	$3144	$527
48034	$3040	$510
48075	$3326	$558
48076	$3429	$575

Frequently Asked Questions

How much is car insurance in Southfield?

The car insurance in Southfield is $76 per month, which is lower than the national average.

What is the cheapest car insurance in Southfield?

The cheapest car insurance in Southfield is $179 per month for full coverage.

How much is car insurance in Southfield for teenagers?

Car insurance for teenagers costs $527 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 $1203 for a six-month policy. It will cost around $436 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 Chubb 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)

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