Cheapest Car Insurance Quotes in Stephenson

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406,175 Policies Sold

Stephenson Car Insurance

^$ 39

/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 Stephenson

The car insurance rate in Stephenson is $1456 for a six-month policy, which is $132 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $542, making it a popular choice for budget-conscious drivers. Rates in Stephenson 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 Stephenson

$1456

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Stephenson

1st place: Travelers

At $542 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $693 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $751 for six months, making it the third cheapest auto insurance company in Stephenson.

Stephenson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stephenson, MI is Travelers, offering policies at just $542 for a six-month term. This is followed by USAA, which has an average six-month premium of $693.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $895 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stephenson drivers find the best deals.

Cheap Car Insurance Companies in Stephenson, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$542	$91
USAA	$693	$117
Encompass	$751	$128
Auto-Owners Insurance Co	$771	$129
Chubb	$811	$138
Farm Bureau Ins of MI	$954	$160
Auto-Owners	$1000	$168
AAA	$1007	$169
Pioneer State Mutual Ins Co	$1038	$177
Progressive	$1065	$179
Westfield	$1294	$218
Farm Bureau	$1849	$308
Pioneer State Mutual	$2013	$342
State Farm	$2149	$362
Frankenmuth	$2287	$389
Bristol West	$2581	$430
Allstate	$1980	$337
Farmers	$4012	$682
Hastings Mutual	$895	$150

Key Takeaways

Way's key takeaways about car insurance in Stephenson

The auto insurance costs in Stephenson fall around $542 for six months.
The cheapest auto insurance company in Stephenson is Travelers.
Teen drivers pay the highest rate in Stephenson at $1063 per month.

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Cheapest Minimum Liability Car Insurance in Stephenson

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 Stephenson are given below.

Travelers provides the cheapest minimum car insurance coverage in Stephenson. Their Average 6 Month Premium is $229. Farmers is the most expensive at $2085 for the same period.

Cheapest Liability Coverage in Stephenson, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$229	$39
Westfield	$242	$41
USAA	$287	$48
Encompass	$314	$53
Chubb	$333	$57
Auto-Owners Insurance Co	$360	$59
Auto-Owners	$398	$67
Progressive	$451	$76
AAA	$458	$78
Farm Bureau Ins of MI	$464	$77
Farm Bureau	$582	$99
Pioneer State Mutual	$589	$98
Frankenmuth	$693	$118
State Farm	$1071	$180
Bristol West	$1078	$184
Allstate	$843	$143
Farmers	$2085	$348

Cheapest Full Coverage Car Insurance in Stephenson

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 Stephenson is Travelers at $91 per month and $542 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stephenson, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$542	$91
USAA	$693	$117
Encompass	$751	$128
Auto-Owners Insurance Co	$771	$129
Chubb	$811	$138
Farm Bureau Ins of MI	$954	$160
Auto-Owners	$1000	$168
AAA	$1007	$169
Pioneer State Mutual Ins Co	$1038	$177
Progressive	$1065	$179
Westfield	$1294	$218
Farm Bureau	$1849	$308
Pioneer State Mutual	$2013	$342
State Farm	$2149	$362
Frankenmuth	$2287	$389
Bristol West	$2581	$430
Allstate	$1980	$337
Farmers	$4012	$682
Hastings Mutual	$895	$150

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Average Car Insurance in Stephenson 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 Stephenson, MI increasing?

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

Car Insurance Premiums by Age in Stephenson

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 Stephenson,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Stephenson at $45 per month. At $6377 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$268	$45
Westfield	$287	$48
Encompass	$314	$53
Chubb	$373	$64
Auto-Owners Insurance Co	$392	$65
Grange	$509	$87
USAA	$1104	$186
Auto-Owners	$1385	$233
AAA	$1797	$303
Progressive	$2536	$427
Farm Bureau	$3018	$503
Pioneer State Mutual	$3541	$602
Frankenmuth	$4221	$704
State Farm	$5933	$1009
Allstate	$4287	$729
Farmers	$18400	$3128
Bristol West	$6377	$1063

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 Stephenson, Travelers is the cheapest car insurance provider. At $438 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 Stephenson is Farm Bureau Ins of MI, offering rates of around $1385 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$438	$73
Encompass	$451	$77
Progressive	$634	$106
Westfield	$667	$113
Auto-Owners Insurance Co	$706	$118
Pioneer State Mutual Ins Co	$862	$146
Grange	$1091	$182
Farm Bureau Ins of MI	$1385	$235

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Car Insurance Rates with An Accident in Stephenson

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

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

The cheapest car insurance companies after an at-fault accident in Stephenson include Chubb and Westfield, offering $333 and $353, respectively. Pioneer State is an expensive provider with an average six-month premium of $523.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$333	$57
Westfield	$353	$58
Auto-Owners Insurance Co	$411	$70
Encompass	$464	$77
Farm Bureau Ins of MI	$549	$94
Pioneer State Mutual Ins Co	$607	$101
Travelers	$647	$109
USAA	$843	$142
Progressive	$1000	$168
Auto-Owners	$1163	$196
AAA	$1385	$233
Farm Bureau	$2261	$377
Pioneer State Mutual	$2411	$410
State Farm	$2725	$454
Frankenmuth	$2940	$501
Allstate	$3156	$526
Farmers	$5639	$959
Pioneer State	$523	$87

Stephenson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stephenson MI. For example, the car insurance in Stephenson after a DUI increases to $2640 for a six month policy. While the rate increases by $1438 for a six-month policy in the case of a speeding ticket.

Stephenson auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1438	$240
Failure to wear a seat belt	$1705	$290
Cell phone violation	$1810	$301
Texting while driving	$1810	$308
Illegal turn	$1816	$303
Wrong way/wrong lane	$1816	$309
Speeding in school zone	$1843	$307
Driving with expired registration	$1856	$316
Failure to stop at a red light	$1876	$312
Improper passing	$1876	$319
Speeding 16 - 20 MPH over limit	$2085	$348
Open container	$2456	$418
Driving with a suspended license	$2751	$459
Racing	$3548	$603
Reckless driving	$3856	$642
Leaving scene of an accident/hit and run	$3953	$672
DUI	$4078	$680

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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 Stephenson 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 Stephenson.

The cheapest car insurance premiums in Stephenson are offered by Chubb at $333 for a six-month policy. However, it can be as expensive as $10297 with companies like Allstate.

Stephenson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$333	$55
Auto-Owners Insurance Co	$882	$150
Grange	$889	$149
Farmers	$902	$153
Progressive	$993	$167
Pioneer State Mutual Ins Co	$1071	$183
USAA	$1189	$200
Travelers	$1313	$223
Auto-Owners	$2124	$358
Westfield	$2163	$364
AAA	$2385	$402
Bristol West	$3058	$520
Pioneer State Mutual	$3849	$641
Farm Bureau	$4528	$770
State Farm	$5600	$943
Frankenmuth	$10134	$1724
Allstate	$10297	$1716

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 Stephenson are offered by Westfield at $287. However, it can be as expensive as $12997 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Stephenson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$287	$48
Chubb	$333	$55
Encompass	$353	$61
Travelers	$431	$72
Auto-Owners Insurance Co	$458	$78
Farm Bureau Ins of MI	$653	$109
Grange	$693	$118
Auto-Owners	$869	$145
USAA	$889	$151
AAA	$1124	$187
Farm Bureau	$1163	$198
Pioneer State Mutual	$1280	$213
Progressive	$1307	$220
Frankenmuth	$2091	$349
State Farm	$3803	$647
Allstate	$2581	$439
Farmers	$12997	$2210

Car Insurance Price Trends in Stephenson, Michigan

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

The average cost of full coverage in the Stephenson dipped by $231 in January compared to $295 of December. In other words, there has been an decrease by $64 when you compare January and December.

The average cost of liability insurance in the Stephenson dipped to $81 in January, compared to $98 in December. This represents an decrease of $17 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Stephenson?

The car insurance in Stephenson is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Stephenson?

The cheapest car insurance in Stephenson is $91 per month for full coverage.

How much is car insurance in Stephenson for teenagers?

Car insurance for teenagers costs $268 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 Stephenson?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $245 per month to insure your car in Stephenson.

Is car insurance expensive in Stephenson?

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

Cheapest Car Insurance Quotes in Stephenson

Why you can trust Way?

How Much Is Car Insurance in Stephenson

Avg. Car Insurance in Stephenson

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Stephenson

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Stephenson Car Insurance Rates by Company

Cheap Car Insurance Companies in Stephenson, MI

Way's key takeaways about car insurance in Stephenson

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Stephenson

Cheapest Liability Coverage in Stephenson, MI

Cheapest Full Coverage Car Insurance in Stephenson

Cheapest Full Coverage Car Insurance Quotes in Stephenson, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Stephenson by Rating Factor

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

Car Insurance Premiums by Age in Stephenson

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Stephenson,MI

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

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 Stephenson

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

Stephenson Car Insurance Rates by Violation

Stephenson auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Stephenson after a DUI

Stephenson car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Stephenson after Speeding ticket

Car Insurance Price Trends in Stephenson, Michigan

Average Car Insurance Cost in Stephenson by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Stephenson, MI

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

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