Cheapest Car Insurance Quotes in Southgate

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Southgate Car Insurance

^$ 51

/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 Southgate

The car insurance rate in Southgate is $1946 for a six-month policy, which is $622 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $725, making it a popular choice for budget-conscious drivers. Rates in Southgate 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 Southgate

$1946

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Southgate

1st place: Travelers

At $725 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $926 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1004 for six months, making it the third cheapest auto insurance company in Southgate.

Southgate Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Southgate, MI is Travelers, offering policies at just $725 for a six-month term. This is followed by USAA, which has an average six-month premium of $926.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1197 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Southgate drivers find the best deals.

Cheap Car Insurance Companies in Southgate, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$725	$122
USAA	$926	$156
Encompass	$1004	$171
Auto-Owners Insurance Co	$1030	$172
Chubb	$1083	$184
Farm Bureau Ins of MI	$1274	$213
Auto-Owners	$1336	$225
AAA	$1345	$226
Pioneer State Mutual Ins Co	$1388	$237
Progressive	$1423	$240
Westfield	$1729	$291
Farm Bureau	$2471	$412
Pioneer State Mutual	$2690	$457
State Farm	$2872	$484
Frankenmuth	$3056	$520
Bristol West	$3449	$575
Allstate	$2646	$450
Farmers	$5361	$911
Hastings Mutual	$1197	$200

Key Takeaways

Way's key takeaways about car insurance in Southgate

The auto insurance costs in Southgate fall around $725 for six months.
The cheapest auto insurance company in Southgate is Travelers.
Teen drivers pay the highest rate in Southgate at $1420 per month.

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Cheapest Minimum Liability Car Insurance in Southgate

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 Southgate are given below.

Travelers provides the cheapest minimum car insurance coverage in Southgate. Their Average 6 Month Premium is $306. Farmers is the most expensive at $2786 for the same period.

Cheapest Liability Coverage in Southgate, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$306	$51
Westfield	$323	$54
USAA	$384	$65
Encompass	$419	$71
Chubb	$445	$76
Auto-Owners Insurance Co	$481	$79
Auto-Owners	$532	$90
Progressive	$603	$101
AAA	$612	$104
Farm Bureau Ins of MI	$620	$103
Farm Bureau	$778	$132
Pioneer State Mutual	$786	$131
Frankenmuth	$926	$157
State Farm	$1432	$241
Bristol West	$1441	$245
Allstate	$1126	$191
Farmers	$2786	$465

Cheapest Full Coverage Car Insurance in Southgate

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 Southgate is Travelers at $122 per month and $725 for six months.

Cheapest Full Coverage Car Insurance Quotes in Southgate, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$725	$122
USAA	$926	$156
Encompass	$1004	$171
Auto-Owners Insurance Co	$1030	$172
Chubb	$1083	$184
Farm Bureau Ins of MI	$1274	$213
Auto-Owners	$1336	$225
AAA	$1345	$226
Pioneer State Mutual Ins Co	$1388	$237
Progressive	$1423	$240
Westfield	$1729	$291
Farm Bureau	$2471	$412
Pioneer State Mutual	$2690	$457
State Farm	$2872	$484
Frankenmuth	$3056	$520
Bristol West	$3449	$575
Allstate	$2646	$450
Farmers	$5361	$911
Hastings Mutual	$1197	$200

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Average Car Insurance in Southgate 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 Southgate, MI increasing?

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

Car Insurance Premiums by Age in Southgate

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

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Cheapest Car Insurance Rates for Teen Drivers in Southgate,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Southgate at $60 per month. At $8522 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$359	$60
Westfield	$384	$65
Encompass	$419	$71
Chubb	$498	$85
Auto-Owners Insurance Co	$523	$87
Grange	$681	$116
USAA	$1476	$248
Auto-Owners	$1851	$312
AAA	$2402	$404
Progressive	$3388	$570
Farm Bureau	$4034	$672
Pioneer State Mutual	$4732	$804
Frankenmuth	$5640	$941
State Farm	$7929	$1348
Allstate	$5729	$975
Farmers	$24589	$4181
Bristol West	$8522	$1420

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 Southgate, Travelers is the cheapest car insurance provider. At $585 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 Southgate is Farm Bureau Ins of MI, offering rates of around $1851 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$585	$97
Encompass	$603	$103
Progressive	$847	$141
Westfield	$891	$151
Auto-Owners Insurance Co	$944	$157
Pioneer State Mutual Ins Co	$1152	$196
Grange	$1458	$243
Farm Bureau Ins of MI	$1851	$315

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Car Insurance Rates with An Accident in Southgate

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

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

The cheapest car insurance companies after an at-fault accident in Southgate include Chubb and Westfield, offering $445 and $472, respectively. Pioneer State is an expensive provider with an average six-month premium of $698.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$445	$76
Westfield	$472	$78
Auto-Owners Insurance Co	$550	$94
Encompass	$620	$103
Farm Bureau Ins of MI	$734	$125
Pioneer State Mutual Ins Co	$811	$135
Travelers	$864	$146
USAA	$1126	$190
Progressive	$1336	$225
Auto-Owners	$1554	$262
AAA	$1851	$312
Farm Bureau	$3021	$504
Pioneer State Mutual	$3222	$548
State Farm	$3641	$607
Frankenmuth	$3929	$669
Allstate	$4217	$703
Farmers	$7535	$1282
Pioneer State	$698	$116

Southgate Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Southgate MI. For example, the car insurance in Southgate after a DUI increases to $3528 for a six month policy. While the rate increases by $1921 for a six-month policy in the case of a speeding ticket.

Southgate auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1921	$320
Failure to wear a seat belt	$2279	$388
Cell phone violation	$2418	$403
Texting while driving	$2418	$412
Illegal turn	$2427	$404
Wrong way/wrong lane	$2427	$413
Speeding in school zone	$2462	$410
Driving with expired registration	$2480	$422
Failure to stop at a red light	$2506	$417
Improper passing	$2506	$426
Speeding 16 - 20 MPH over limit	$2786	$465
Open container	$3283	$559
Driving with a suspended license	$3676	$613
Racing	$4741	$806
Reckless driving	$5152	$858
Leaving scene of an accident/hit and run	$5283	$898
DUI	$5449	$908

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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 Southgate 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 Southgate.

The cheapest car insurance premiums in Southgate are offered by Chubb at $445 for a six-month policy. However, it can be as expensive as $13761 with companies like Allstate.

Southgate car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$445	$74
Auto-Owners Insurance Co	$1179	$200
Grange	$1188	$198
Farmers	$1205	$204
Progressive	$1327	$223
Pioneer State Mutual Ins Co	$1432	$244
USAA	$1589	$268
Travelers	$1755	$298
Auto-Owners	$2839	$478
Westfield	$2890	$487
AAA	$3187	$537
Bristol West	$4087	$695
Pioneer State Mutual	$5144	$857
Farm Bureau	$6051	$1029
State Farm	$7484	$1260
Frankenmuth	$13543	$2303
Allstate	$13761	$2293

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 Southgate are offered by Westfield at $384. However, it can be as expensive as $17368 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Southgate after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$384	$65
Chubb	$445	$74
Encompass	$472	$81
Travelers	$576	$96
Auto-Owners Insurance Co	$612	$104
Farm Bureau Ins of MI	$873	$146
Grange	$926	$157
Auto-Owners	$1161	$194
USAA	$1188	$201
AAA	$1502	$250
Farm Bureau	$1554	$265
Pioneer State Mutual	$1711	$285
Progressive	$1746	$294
Frankenmuth	$2794	$466
State Farm	$5082	$864
Allstate	$3449	$587
Farmers	$17368	$2953

Car Insurance Price Trends in Southgate, Michigan

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

The average cost of full coverage in the Southgate dipped by $309 in January compared to $394 of December. In other words, there has been an decrease by $85 when you compare January and December.

The average cost of liability insurance in the Southgate dipped to $109 in January, compared to $131 in December. This represents an decrease of $22 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Southgate?

The car insurance in Southgate is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Southgate?

The cheapest car insurance in Southgate is $122 per month for full coverage.

How much is car insurance in Southgate for teenagers?

Car insurance for teenagers costs $359 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 Southgate?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $328 per month to insure your car in Southgate.

Is car insurance expensive in Southgate?

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

Cheapest Car Insurance Quotes in Southgate

Why you can trust Way?

How Much Is Car Insurance in Southgate

Avg. Car Insurance in Southgate

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Southgate

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Southgate Car Insurance Rates by Company

Cheap Car Insurance Companies in Southgate, MI

Way's key takeaways about car insurance in Southgate

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Southgate

Cheapest Liability Coverage in Southgate, MI

Cheapest Full Coverage Car Insurance in Southgate

Cheapest Full Coverage Car Insurance Quotes in Southgate, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Southgate by Rating Factor

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

Car Insurance Premiums by Age in Southgate

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Southgate,MI

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

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 Southgate

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

Southgate Car Insurance Rates by Violation

Southgate auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Southgate after a DUI

Southgate car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Southgate after Speeding ticket

Car Insurance Price Trends in Southgate, Michigan

Average Car Insurance Cost in Southgate by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Southgate, MI

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

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