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Finding the cheapest car insurance quotes in Spalding 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.
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 Spalding
The car insurance rate in Spalding is $1167 for a six-month policy, which is $36 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $478, making it a popular choice for budget-conscious drivers. Rates in Spalding 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.
At $478 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $599 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Encompass
Encompass offers auto insurance
rates at $663
for six months, making it
the third cheapest auto insurance company in Spalding.
Spalding Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Spalding, MI is Travelers, offering policies at just $478 for a six-month term. This is followed by USAA, which has an average six-month premium of $599.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $790 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Spalding drivers find the best deals.
Way's key takeaways about car insurance in Spalding
The auto insurance costs in Spalding fall around $478 for six
months.
The cheapest auto insurance company in Spalding is Travelers.
Teen drivers pay the highest rate in Spalding at $937 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 Spalding
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 Spalding are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Spalding. Their Average 6 Month Premium is $202.
Hastings Mutual is the most
expensive at $345 for the same
period.
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 Spalding is Travelers
at $81 per month and $478
for six months.
Cheapest Full Coverage Car Insurance Quotes in Spalding,
MI
Get Your Car Insurance Quote in Spalding
Instantly!
Average Car Insurance in Spalding 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 Spalding, MI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Spalding, 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, Spalding's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Spalding
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
$271
30s
USAA
$206
40s
USAA
$197
50s
USAA
$189
60s
Chubb
$173
70s
Chubb
$189
Cheapest Car Insurance Rates for Teen Drivers in
Spalding,MI
If you are planning to get a car insurance policy for your teenage
dependent, Travelers provides the cheapest car
insurance in the Spalding at $40
per
month. At $5623 for a six-month premium,
Bristol West offers the most expensive rate for
teen drivers.
If you are in your twenties Chubb is
the best choice for car
insurance in Spalding.
As young drivers face the highest rates in Spalding, Chubb
offers the cheapest auto insurance rates at $271 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 Spalding,
Travelers is
the cheapest car insurance provider. At $386 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
Spalding is Farm Bureau Ins of MI, offering
rates of around $1221 for six
months.
Save up to $971/yr on car insurance rates in Spalding.
Car Insurance Rates with An Accident in Spalding
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 Spalding, MI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Spalding
The cheapest car insurance companies after an at-fault accident in
Spalding include Chubb
and Westfield, offering $294
and $311,
respectively. Pioneer State is an expensive provider
with an average six-month premium of
$461.
Here is a list of driving violations that can increase your car
insurance rates in Spalding MI. For example, the car
insurance in Spalding
after a DUI increases to $2328 for a six
month policy. While the rate increases by $1268 for a six-month policy in the case of
a speeding ticket.
Spalding auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1268
$211
Failure to wear a seat belt
$1504
$256
Cell phone violation
$1596
$266
Texting while driving
$1596
$272
Illegal turn
$1601
$267
Wrong way/wrong lane
$1601
$273
Speeding in school zone
$1625
$271
Driving with expired registration
$1636
$278
Failure to stop at a red light
$1654
$275
Improper passing
$1654
$281
Speeding 16 - 20 MPH over limit
$1838
$307
Open container
$2166
$369
Driving with a suspended license
$2426
$404
Racing
$3128
$532
Reckless driving
$3400
$566
Leaving scene of an accident/hit and run
$3486
$593
DUI
$3596
$599
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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 Spalding 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 Spalding.
The cheapest car insurance premiums in
Spalding are
offered by Chubb at $294 for a six-month policy.
However, it can be as
expensive as $9080 with companies
like Allstate.
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 Spalding are offered by Westfield
at $253. However,
it can be as expensive as $11461
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Spalding after Speeding ticket
Car insurance rates in Spalding have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Spalding dipped by
$260 in December
compared to $267 of November. In other words, there has been an decrease by $7 when you
compare December and November.
The average cost of liability insurance in the Spalding rose to $86 in December,
compared to $80 in November.
This represents an increase of $6
when comparing December and November.
Average Car Insurance Cost in Spalding 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
Spalding. At $2333 for a
six-month policy, insuring
your car at 49886 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Spalding?
The car insurance in Spalding is $34 per month, which is lower than the national average.
What is the cheapest car insurance in Spalding?
The cheapest car insurance in Spalding
is $81 per month
for full coverage.
How much is car insurance in Spalding for teenagers?
Car insurance for teenagers costs $237 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
Spalding?
The average cost of car insurance is $1203 for a six-month
policy. It will cost around $196 per month to insure your
car in Spalding.
Is car insurance expensive in Spalding?
Car insurance can be expensive in Spalding if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Spalding can be
affordable.
What is the best car insurance in Spalding,
MI?
The best car insurance company in Spalding
MI is
Travelers, offering $478 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Spalding, MI
Car Insurance Rates by State in the USA (2025 Update)
Spalding Car Insurance
