Cheapest Car Insurance Quotes in Stevensville

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Stevensville Car Insurance

^$ 28

/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 Stevensville

The car insurance rate in Stevensville is $1046 for a six-month policy, which is $278 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $389, making it a popular choice for budget-conscious drivers. Rates in Stevensville 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 Stevensville

$1046

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Stevensville

1st place: Travelers

At $389 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $498 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $540 for six months, making it the third cheapest auto insurance company in Stevensville.

Stevensville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stevensville, MI is Travelers, offering policies at just $389 for a six-month term. This is followed by USAA, which has an average six-month premium of $498.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $643 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stevensville drivers find the best deals.

Cheap Car Insurance Companies in Stevensville, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$389	$66
USAA	$498	$84
Encompass	$540	$92
Auto-Owners Insurance Co	$554	$92
Chubb	$582	$99
Farm Bureau Ins of MI	$685	$115
Auto-Owners	$718	$121
AAA	$723	$122
Pioneer State Mutual Ins Co	$746	$127
Progressive	$765	$129
Westfield	$929	$156
Farm Bureau	$1328	$221
Pioneer State Mutual	$1446	$246
State Farm	$1544	$260
Frankenmuth	$1642	$280
Bristol West	$1853	$309
Allstate	$1422	$242
Farmers	$2881	$490
Hastings Mutual	$643	$107

Key Takeaways

Way's key takeaways about car insurance in Stevensville

The auto insurance costs in Stevensville fall around $389 for six months.
The cheapest auto insurance company in Stevensville is Travelers.
Teen drivers pay the highest rate in Stevensville at $763 per month.

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Cheapest Minimum Liability Car Insurance in Stevensville

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 Stevensville are given below.

Travelers provides the cheapest minimum car insurance coverage in Stevensville. Their Average 6 Month Premium is $164. Farmers is the most expensive at $1497 for the same period.

Cheapest Liability Coverage in Stevensville, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$164	$28
Westfield	$174	$29
USAA	$206	$35
Encompass	$225	$38
Chubb	$239	$41
Auto-Owners Insurance Co	$258	$43
Auto-Owners	$286	$48
Progressive	$324	$55
AAA	$329	$56
Farm Bureau Ins of MI	$333	$55
Farm Bureau	$418	$71
Pioneer State Mutual	$423	$70
Frankenmuth	$498	$85
State Farm	$769	$130
Bristol West	$774	$132
Allstate	$605	$103
Farmers	$1497	$250

Cheapest Full Coverage Car Insurance in Stevensville

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 Stevensville is Travelers at $66 per month and $389 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stevensville, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$389	$66
USAA	$498	$84
Encompass	$540	$92
Auto-Owners Insurance Co	$554	$92
Chubb	$582	$99
Farm Bureau Ins of MI	$685	$115
Auto-Owners	$718	$121
AAA	$723	$122
Pioneer State Mutual Ins Co	$746	$127
Progressive	$765	$129
Westfield	$929	$156
Farm Bureau	$1328	$221
Pioneer State Mutual	$1446	$246
State Farm	$1544	$260
Frankenmuth	$1642	$280
Bristol West	$1853	$309
Allstate	$1422	$242
Farmers	$2881	$490
Hastings Mutual	$643	$107

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Average Car Insurance in Stevensville 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 Stevensville, MI increasing?

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

Car Insurance Premiums by Age in Stevensville

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 Stevensville,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Stevensville at $32 per month. At $4580 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$193	$32
Westfield	$206	$35
Encompass	$225	$38
Chubb	$268	$46
Auto-Owners Insurance Co	$281	$47
Grange	$366	$62
USAA	$793	$134
Auto-Owners	$995	$167
AAA	$1291	$217
Progressive	$1821	$307
Farm Bureau	$2168	$361
Pioneer State Mutual	$2543	$432
Frankenmuth	$3031	$506
State Farm	$4261	$724
Allstate	$3079	$524
Farmers	$13214	$2247
Bristol West	$4580	$763

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 Stevensville, Travelers is the cheapest car insurance provider. At $314 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 Stevensville is Farm Bureau Ins of MI, offering rates of around $995 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$314	$52
Encompass	$324	$55
Progressive	$455	$76
Westfield	$479	$81
Auto-Owners Insurance Co	$507	$85
Pioneer State Mutual Ins Co	$619	$105
Grange	$784	$130
Farm Bureau Ins of MI	$995	$169

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Save up to $971/yr on car insurance rates in Stevensville.

Car Insurance Rates with An Accident in Stevensville

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

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

The cheapest car insurance companies after an at-fault accident in Stevensville include Chubb and Westfield, offering $239 and $254, respectively. Pioneer State is an expensive provider with an average six-month premium of $375.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$239	$41
Westfield	$254	$42
Auto-Owners Insurance Co	$295	$51
Encompass	$333	$55
Farm Bureau Ins of MI	$394	$67
Pioneer State Mutual Ins Co	$436	$73
Travelers	$465	$78
USAA	$605	$102
Progressive	$718	$121
Auto-Owners	$835	$141
AAA	$995	$167
Farm Bureau	$1623	$271
Pioneer State Mutual	$1732	$295
State Farm	$1957	$326
Frankenmuth	$2112	$359
Allstate	$2267	$378
Farmers	$4050	$689
Pioneer State	$375	$62

Stevensville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stevensville MI. For example, the car insurance in Stevensville after a DUI increases to $1896 for a six month policy. While the rate increases by $1033 for a six-month policy in the case of a speeding ticket.

Stevensville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1033	$172
Failure to wear a seat belt	$1225	$209
Cell phone violation	$1300	$216
Texting while driving	$1300	$221
Illegal turn	$1304	$217
Wrong way/wrong lane	$1304	$222
Speeding in school zone	$1323	$220
Driving with expired registration	$1333	$227
Failure to stop at a red light	$1347	$224
Improper passing	$1347	$229
Speeding 16 - 20 MPH over limit	$1497	$250
Open container	$1764	$300
Driving with a suspended license	$1976	$329
Racing	$2548	$433
Reckless driving	$2769	$461
Leaving scene of an accident/hit and run	$2839	$483
DUI	$2929	$488

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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 Stevensville 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 Stevensville.

The cheapest car insurance premiums in Stevensville are offered by Chubb at $239 for a six-month policy. However, it can be as expensive as $7395 with companies like Allstate.

Stevensville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$239	$40
Auto-Owners Insurance Co	$634	$107
Grange	$638	$107
Farmers	$648	$110
Progressive	$713	$120
Pioneer State Mutual Ins Co	$769	$131
USAA	$854	$144
Travelers	$943	$160
Auto-Owners	$1525	$257
Westfield	$1553	$261
AAA	$1713	$288
Bristol West	$2196	$374
Pioneer State Mutual	$2764	$461
Farm Bureau	$3252	$553
State Farm	$4022	$677
Frankenmuth	$7278	$1238
Allstate	$7395	$1232

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 Stevensville are offered by Westfield at $206. However, it can be as expensive as $9334 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Stevensville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$206	$35
Chubb	$239	$40
Encompass	$254	$43
Travelers	$310	$51
Auto-Owners Insurance Co	$329	$56
Farm Bureau Ins of MI	$469	$78
Grange	$498	$85
Auto-Owners	$624	$104
USAA	$638	$108
AAA	$807	$134
Farm Bureau	$835	$142
Pioneer State Mutual	$920	$153
Progressive	$939	$158
Frankenmuth	$1502	$250
State Farm	$2731	$465
Allstate	$1853	$315
Farmers	$9334	$1587

Car Insurance Price Trends in Stevensville, Michigan

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

The average cost of full coverage in the Stevensville dipped by $166 in January compared to $212 of December. In other words, there has been an decrease by $46 when you compare January and December.

The average cost of liability insurance in the Stevensville dipped to $58 in January, compared to $70 in December. This represents an decrease of $12 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Stevensville?

The car insurance in Stevensville is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Stevensville?

The cheapest car insurance in Stevensville is $66 per month for full coverage.

How much is car insurance in Stevensville for teenagers?

Car insurance for teenagers costs $193 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 Stevensville?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $176 per month to insure your car in Stevensville.

Is car insurance expensive in Stevensville?

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

Cheapest Car Insurance Quotes in Stevensville

Why you can trust Way?

How Much Is Car Insurance in Stevensville

Avg. Car Insurance in Stevensville

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Stevensville

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Stevensville Car Insurance Rates by Company

Cheap Car Insurance Companies in Stevensville, MI

Way's key takeaways about car insurance in Stevensville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Stevensville

Cheapest Liability Coverage in Stevensville, MI

Cheapest Full Coverage Car Insurance in Stevensville

Cheapest Full Coverage Car Insurance Quotes in Stevensville, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Stevensville by Rating Factor

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

Car Insurance Premiums by Age in Stevensville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Stevensville,MI

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

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 Stevensville

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

Stevensville Car Insurance Rates by Violation

Stevensville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Stevensville after a DUI

Stevensville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Stevensville after Speeding ticket

Car Insurance Price Trends in Stevensville, Michigan

Average Car Insurance Cost in Stevensville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Stevensville, MI

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

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