Cheapest Car Insurance Quotes in St. Clair Shores

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St. Clair Shores Car Insurance

^$ 44

/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 St. Clair Shores

The car insurance rate in St. Clair Shores is $1705 for a six-month policy, which is $352 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $621, making it a popular choice for budget-conscious drivers. Rates in St. Clair Shores 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 St. Clair Shores

$1705

Avg. Car Insurance in Michigan

$1353

National Average

$1278

Cheapest Car Insurance Companies in St. Clair Shores

1st place: Travelers

At $621 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $794 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $861 for six months, making it the third cheapest auto insurance company in St. Clair Shores.

St. Clair Shores Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in St. Clair Shores, MI is Travelers, offering policies at just $621 for a six-month term. This is followed by USAA, which has an average six-month premium of $794.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $4595 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help St. Clair Shores drivers find the best deals.

Cheap Car Insurance Companies in St. Clair Shores, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$621	$105
USAA	$794	$134
Encompass	$861	$146
Auto-Owners Insurance Co	$883	$147
Chubb	$929	$158
Farm Bureau Ins of MI	$1092	$183
Auto-Owners	$1145	$193
AAA	$1153	$194
Pioneer State Mutual Ins Co	$1189	$203
Progressive	$1220	$205
Westfield	$1482	$249
Farm Bureau	$2118	$353
Pioneer State Mutual	$2306	$392
State Farm	$2462	$415
Frankenmuth	$2620	$446
Bristol West	$2956	$493
Allstate	$2268	$386
Farmers	$4595	$781

Key Takeaways

Way's key takeaways about car insurance in St. Clair Shores

The auto insurance costs in St. Clair Shores fall around $621 for six months.
The cheapest auto insurance company in St. Clair Shores is Travelers.
Teen drivers pay the highest rate in St. Clair Shores at $3583 per month.

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

Cheapest Minimum Liability Car Insurance in St. Clair Shores

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 St. Clair Shores are given below.

Travelers provides the cheapest minimum car insurance coverage in St. Clair Shores. Their Average 6 Month Premium is $262. Farmers is the most expensive at $2388 for the same period.

Cheapest Liability Coverage in St. Clair Shores, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$262	$44
Westfield	$277	$47
USAA	$329	$55
Encompass	$359	$60
Chubb	$382	$66
Auto-Owners Insurance Co	$412	$68
Auto-Owners	$456	$77
Progressive	$517	$87
AAA	$524	$89
Farm Bureau Ins of MI	$532	$88
Farm Bureau	$667	$113
Pioneer State Mutual	$674	$112
Frankenmuth	$794	$135
State Farm	$1227	$207
Bristol West	$1235	$210
Allstate	$965	$164
Farmers	$2388	$398

Cheapest Full Coverage Car Insurance in St. Clair Shores

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 St. Clair Shores is Travelers at $105 per month and $621 for six months.

Cheapest Full Coverage Car Insurance Quotes in St. Clair Shores, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$621	$105
USAA	$794	$134
Encompass	$861	$146
Auto-Owners Insurance Co	$883	$147
Chubb	$929	$158
Farm Bureau Ins of MI	$1092	$183
Auto-Owners	$1145	$193
AAA	$1153	$194
Pioneer State Mutual Ins Co	$1189	$203
Progressive	$1220	$205
Westfield	$1482	$249
Farm Bureau	$2118	$353
Pioneer State Mutual	$2306	$392
State Farm	$2462	$415
Frankenmuth	$2620	$446
Bristol West	$2956	$493
Allstate	$2268	$386
Farmers	$4595	$781

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Average Car Insurance in St. Clair Shores 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 St. Clair Shores, MI increasing?

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

Car Insurance Premiums by Age in St. Clair Shores

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 St. Clair Shores,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the St. Clair Shores at $52 per month. At $21076 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$307	$52
Westfield	$329	$55
Encompass	$359	$60
Chubb	$427	$73
Auto-Owners Insurance Co	$449	$74
Grange	$583	$100
USAA	$1265	$213
Auto-Owners	$1586	$267
AAA	$2059	$347
Progressive	$2904	$489
Farm Bureau	$3457	$576
Pioneer State Mutual	$4056	$689
Frankenmuth	$4835	$806
State Farm	$6796	$1155
Allstate	$4910	$835
Farmers	$21076	$3583

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 St. Clair Shores, Travelers is the cheapest car insurance provider. At $501 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 St. Clair Shores is Farm Bureau Ins of MI, offering rates of around $1586 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$501	$83
Encompass	$517	$88
Progressive	$726	$121
Westfield	$764	$130
Auto-Owners Insurance Co	$809	$135
Pioneer State Mutual Ins Co	$988	$168
Grange	$1250	$208
Farm Bureau Ins of MI	$1586	$270

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in St. Clair Shores.

Car Insurance Rates with An Accident in St. Clair Shores

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 St. Clair Shores, MI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in St. Clair Shores

The cheapest car insurance companies after an at-fault accident in St. Clair Shores include Chubb and Westfield, offering $382 and $404, respectively. Farmers is an expensive provider with an average six-month premium of $6459.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$382	$66
Westfield	$404	$67
Auto-Owners Insurance Co	$471	$81
Encompass	$532	$88
Farm Bureau Ins of MI	$629	$107
Pioneer State Mutual Ins Co	$696	$116
Travelers	$741	$125
USAA	$965	$163
Progressive	$1145	$193
Auto-Owners	$1332	$224
AAA	$1586	$267
Farm Bureau	$2589	$432
Pioneer State Mutual	$2762	$470
State Farm	$3121	$520
Frankenmuth	$3368	$573
Allstate	$3615	$602
Farmers	$6459	$1099

St. Clair Shores Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in St. Clair Shores MI. For example, the car insurance in St. Clair Shores after a DUI increases to $3024 for a six month policy. While the rate increases by $1647 for a six-month policy in the case of a speeding ticket.

St. Clair Shores auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1647	$275
Failure to wear a seat belt	$1953	$333
Cell phone violation	$2073	$345
Texting while driving	$2073	$353
Illegal turn	$2080	$347
Wrong way/wrong lane	$2080	$354
Speeding in school zone	$2111	$352
Driving with expired registration	$2126	$362
Failure to stop at a red light	$2148	$358
Improper passing	$2148	$365
Speeding 16 - 20 MPH over limit	$2388	$398
Open container	$2814	$479
Driving with a suspended license	$3151	$525
Racing	$4064	$690
Reckless driving	$4416	$736
Leaving scene of an accident/hit and run	$4528	$770
DUI	$4671	$779

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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 St. Clair Shores 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 St. Clair Shores.

The cheapest car insurance premiums in St. Clair Shores are offered by Chubb at $382 for a six-month policy. However, it can be as expensive as $11795 with companies like Allstate.

St. Clair Shores car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$382	$63
Auto-Owners Insurance Co	$1011	$171
Grange	$1018	$170
Farmers	$1033	$175
Progressive	$1138	$192
Pioneer State Mutual Ins Co	$1227	$209
USAA	$1362	$229
Travelers	$1504	$256
Auto-Owners	$2433	$410
Westfield	$2477	$417
AAA	$2732	$460
Bristol West	$3503	$596
Pioneer State Mutual	$4409	$735
Farm Bureau	$5186	$882
State Farm	$6415	$1080
Frankenmuth	$11608	$1974
Allstate	$11795	$1966

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 St. Clair Shores are offered by Westfield at $329. However, it can be as expensive as $14887 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in St. Clair Shores after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$329	$55
Chubb	$382	$63
Encompass	$404	$69
Travelers	$494	$82
Auto-Owners Insurance Co	$524	$89
Farm Bureau Ins of MI	$748	$125
Grange	$794	$135
Auto-Owners	$995	$166
USAA	$1018	$173
AAA	$1288	$214
Farm Bureau	$1332	$227
Pioneer State Mutual	$1467	$244
Progressive	$1497	$252
Frankenmuth	$2395	$399
State Farm	$4356	$741
Allstate	$2956	$503
Farmers	$14887	$2531

Car Insurance Price Trends in St. Clair Shores, Michigan

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

The average cost of full coverage in the St. Clair Shores remained steady at $265 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the St. Clair Shores remained steady at $93 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in St. Clair Shores?

The car insurance in St. Clair Shores is $44 per month, which is lower than the national average.

What is the cheapest car insurance in St. Clair Shores?

The cheapest car insurance in St. Clair Shores is $105 per month for full coverage.

How much is car insurance in St. Clair Shores for teenagers?

Car insurance for teenagers costs $307 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 St. Clair Shores?

The average cost of car insurance is $1353 for a six-month policy. It will cost around $287 per month to insure your car in St. Clair Shores.

Is car insurance expensive in St. Clair Shores?

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

Cheapest Car Insurance Quotes in St. Clair Shores

Why you can trust Way?

How Much Is Car Insurance in St. Clair Shores

Avg. Car Insurance in St. Clair Shores

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in St. Clair Shores

1st place: Travelers

2nd place: USAA

3rd place: Encompass

St. Clair Shores Car Insurance Rates by Company

Cheap Car Insurance Companies in St. Clair Shores, MI

Way's key takeaways about car insurance in St. Clair Shores

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in St. Clair Shores

Cheapest Liability Coverage in St. Clair Shores, MI

Cheapest Full Coverage Car Insurance in St. Clair Shores

Cheapest Full Coverage Car Insurance Quotes in St. Clair Shores, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in St. Clair Shores by Rating Factor

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

Car Insurance Premiums by Age in St. Clair Shores

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in St. Clair Shores,MI

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

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 St. Clair Shores

Cheapest Car Insurance Companies after an At-Fault Accident in St. Clair Shores

St. Clair Shores Car Insurance Rates by Violation

St. Clair Shores auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in St. Clair Shores after a DUI

St. Clair Shores car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in St. Clair Shores after Speeding ticket

Car Insurance Price Trends in St. Clair Shores, Michigan

Average Car Insurance Cost in St. Clair Shores by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near St. Clair Shores, MI

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

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