Cheapest Car Insurance Quotes in Taylor

Finding the cheapest car insurance quotes in Taylor 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Taylor Car Insurance

^$ 55

/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 Taylor

The car insurance rate in Taylor is $1877 for a six-month policy, which is $674 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $769, making it a popular choice for budget-conscious drivers. Rates in Taylor 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 Taylor

$1877

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Taylor

1st place: Travelers

At $769 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $964 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1065 for six months, making it the third cheapest auto insurance company in Taylor.

Taylor Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Taylor, MI is Travelers, offering policies at just $769 for a six-month term. This is followed by USAA, which has an average six-month premium of $964.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1270 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Taylor drivers find the best deals.

Cheap Car Insurance Companies in Taylor, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$769	$129
USAA	$964	$162
Encompass	$1065	$178
Auto-Owners Insurance Co	$1094	$186
Chubb	$1150	$192
Auto-Owners	$1289	$217
AAA	$1315	$222
Farm Bureau Ins of MI	$1353	$229
Pioneer State Mutual Ins Co	$1473	$245
Progressive	$1473	$248
Westfield	$1835	$309
Farm Bureau	$2067	$351
State Farm	$2632	$443
Allstate	$2808	$477
Bristol West	$3660	$610
Farmers	$5689	$967
Hastings Mutual	$1270	$212

Key Takeaways

Way's key takeaways about car insurance in Taylor

The auto insurance costs in Taylor fall around $769 for six months.
The cheapest auto insurance company in Taylor is Travelers.
Teen drivers pay the highest rate in Taylor at $1507 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 Taylor

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 Taylor are given below.

Travelers provides the cheapest minimum car insurance coverage in Taylor. Their Average 6 Month Premium is $324. Hastings Mutual is the most expensive at $555 for the same period.

Cheapest Liability Coverage in Taylor, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$324	$55
Westfield	$343	$58
USAA	$435	$73
Encompass	$445	$75
Chubb	$473	$78
Auto-Owners Insurance Co	$510	$87
Auto-Owners	$602	$101
Farm Bureau Ins of MI	$658	$112
Progressive	$677	$114
AAA	$807	$137
Farm Bureau	$1019	$170
Allstate	$1195	$203
Bristol West	$1529	$254
State Farm	$1640	$276
Farmers	$2956	$493
Hastings Mutual	$555	$92

Cheapest Full Coverage Car Insurance in Taylor

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 Taylor is Travelers at $129 per month and $769 for six months.

Cheapest Full Coverage Car Insurance Quotes in Taylor, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$769	$129
USAA	$964	$162
Encompass	$1065	$178
Auto-Owners Insurance Co	$1094	$186
Chubb	$1150	$192
Auto-Owners	$1289	$217
AAA	$1315	$222
Farm Bureau Ins of MI	$1353	$229
Pioneer State Mutual Ins Co	$1473	$245
Progressive	$1473	$248
Westfield	$1835	$309
Farm Bureau	$2067	$351
State Farm	$2632	$443
Allstate	$2808	$477
Bristol West	$3660	$610
Farmers	$5689	$967
Hastings Mutual	$1270	$212

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Taylor Instantly!

Average Car Insurance in Taylor 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 Taylor, MI increasing?

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

Car Insurance Premiums by Age in Taylor

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	$435
30s	USAA	$331
40s	USAA	$317
50s	USAA	$304
60s	Chubb	$278
70s	Chubb	$304

Cheapest Car Insurance Rates for Teen Drivers in Taylor,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Taylor at $64 per month. At $9043 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$381	$64
Westfield	$407	$69
Encompass	$445	$75
Chubb	$529	$90
Auto-Owners Insurance Co	$555	$92
Grange	$722	$123
USAA	$1465	$246
Auto-Owners	$1752	$295
AAA	$2335	$393
Farm Bureau	$3363	$573
Progressive	$3605	$607
Allstate	$6079	$1034
State Farm	$6237	$1039
Farmers	$26094	$4437
Bristol West	$9043	$1507

Teen Car Insurance Rates in MI by Age

Way Tip

If you are in your twenties Chubb is the best choice for car insurance in Taylor.

As young drivers face the highest rates in Taylor, Chubb offers the cheapest auto insurance rates at $435 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 Taylor, Travelers is the cheapest car insurance provider. At $621 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 Taylor is Farm Bureau Ins of MI, offering rates of around $1964 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$621	$106
Encompass	$640	$106
Progressive	$899	$153
Westfield	$945	$158
Auto-Owners Insurance Co	$1002	$170
Pioneer State Mutual Ins Co	$1223	$204
Grange	$1548	$264
Farm Bureau Ins of MI	$1964	$328

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Taylor

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

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

The cheapest car insurance companies after an at-fault accident in Taylor include Chubb and Westfield, offering $473 and $501, respectively. Pioneer State is an expensive provider with an average six-month premium of $741.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$473	$81
Westfield	$501	$83
Auto-Owners Insurance Co	$583	$100
Encompass	$658	$109
Farm Bureau Ins of MI	$778	$133
Pioneer State Mutual Ins Co	$861	$144
Travelers	$917	$154
USAA	$1150	$193
Progressive	$1270	$214
Auto-Owners	$1418	$239
AAA	$1816	$306
Farm Bureau	$2530	$421
State Farm	$2881	$490
Allstate	$4476	$746
Farmers	$7997	$1360
Pioneer State	$741	$123

Taylor Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Taylor MI. For example, the car insurance in Taylor after a DUI increases to $3744 for a six month policy. While the rate increases by $2039 for a six-month policy in the case of a speeding ticket.

Taylor auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2039	$340
Failure to wear a seat belt	$2418	$412
Cell phone violation	$2566	$427
Texting while driving	$2566	$437
Illegal turn	$2576	$429
Wrong way/wrong lane	$2576	$438
Speeding in school zone	$2613	$435
Driving with expired registration	$2632	$448
Failure to stop at a red light	$2660	$443
Improper passing	$2660	$452
Speeding 16 - 20 MPH over limit	$2956	$493
Open container	$3483	$593
Driving with a suspended license	$3902	$651
Racing	$5031	$855
Reckless driving	$5468	$911
Leaving scene of an accident/hit and run	$5607	$953
DUI	$5783	$964

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Taylor 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 Taylor.

The cheapest car insurance premiums in Taylor are offered by Chubb at $473 for a six-month policy. However, it can be as expensive as $14603 with companies like Allstate.

Taylor car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$473	$78
Auto-Owners Insurance Co	$1251	$212
Grange	$1260	$211
Progressive	$1343	$226
Pioneer State Mutual Ins Co	$1519	$253
USAA	$1640	$276
Travelers	$1863	$310
Auto-Owners	$2817	$474
Westfield	$3067	$516
AAA	$3168	$534
Bristol West	$4337	$722
Farmers	$4448	$749
Farm Bureau	$5263	$877
State Farm	$6625	$1115
Allstate	$14603	$2434

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 Taylor are offered by Westfield at $407. However, it can be as expensive as $18431 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Taylor after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$407	$69
Chubb	$473	$78
Encompass	$501	$86
Travelers	$612	$101
Auto-Owners Insurance Co	$649	$111
Farm Bureau Ins of MI	$927	$154
USAA	$964	$164
Grange	$983	$164
Auto-Owners	$1353	$229
Progressive	$1983	$334
AAA	$2011	$342
Farm Bureau	$2020	$337
Allstate	$3660	$622
State Farm	$6143	$1023
Farmers	$18431	$3134

Car Insurance Price Trends in Taylor, Michigan

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

The average cost of full coverage in the Taylor dipped by $418 in December compared to $429 of November. In other words, there has been an decrease by $11 when you compare December and November.

The average cost of liability insurance in the Taylor rose to $139 in December, compared to $128 in November. This represents an increase of $11 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Taylor?

The car insurance in Taylor is $55 per month, which is lower than the national average.

What is the cheapest car insurance in Taylor?

The cheapest car insurance in Taylor is $129 per month for full coverage.

How much is car insurance in Taylor for teenagers?

Car insurance for teenagers costs $381 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 Taylor?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $315 per month to insure your car in Taylor.

Is car insurance expensive in Taylor?

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

Cheapest Car Insurance Quotes in Taylor

Why you can trust Way?

How Much Is Car Insurance in Taylor

Avg. Car Insurance in Taylor

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Taylor

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Taylor Car Insurance Rates by Company

Cheap Car Insurance Companies in Taylor, MI

Way's key takeaways about car insurance in Taylor

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Taylor

Cheapest Liability Coverage in Taylor, MI

Cheapest Full Coverage Car Insurance in Taylor

Cheapest Full Coverage Car Insurance Quotes in Taylor, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Taylor by Rating Factor

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

Car Insurance Premiums by Age in Taylor

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Taylor,MI

If you are in your twenties Chubb is the best choice for car insurance in Taylor.

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 Taylor

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

Taylor Car Insurance Rates by Violation

Taylor auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Taylor after a DUI

Taylor car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Taylor after Speeding ticket

Car Insurance Price Trends in Taylor, Michigan

Average Car Insurance Cost in Taylor by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Taylor, MI

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

Featured Blogs

Data Sources