Cheapest Car Insurance Quotes in Taylor

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406,175 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 $2065 for a six-month policy, which is $741 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

$2065

Avg. Car Insurance in Michigan

$1324

National Average

$1278

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 $983 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 $983.

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	$983	$165
Encompass	$1065	$181
Auto-Owners Insurance Co	$1094	$183
Chubb	$1150	$195
Farm Bureau Ins of MI	$1353	$226
Auto-Owners	$1418	$239
AAA	$1427	$240
Pioneer State Mutual Ins Co	$1473	$251
Progressive	$1510	$254
Westfield	$1835	$309
Farm Bureau	$2622	$437
Pioneer State Mutual	$2855	$485
State Farm	$3048	$513
Frankenmuth	$3243	$552
Bristol West	$3660	$610
Allstate	$2808	$477
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.

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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. Farmers is the most expensive at $2956 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	$407	$69
Encompass	$445	$75
Chubb	$473	$81
Auto-Owners Insurance Co	$510	$84
Auto-Owners	$565	$95
Progressive	$640	$108
AAA	$649	$111
Farm Bureau Ins of MI	$658	$109
Farm Bureau	$825	$140
Pioneer State Mutual	$835	$139
Frankenmuth	$983	$167
State Farm	$1519	$256
Bristol West	$1529	$261
Allstate	$1195	$203
Farmers	$2956	$493

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	$983	$165
Encompass	$1065	$181
Auto-Owners Insurance Co	$1094	$183
Chubb	$1150	$195
Farm Bureau Ins of MI	$1353	$226
Auto-Owners	$1418	$239
AAA	$1427	$240
Pioneer State Mutual Ins Co	$1473	$251
Progressive	$1510	$254
Westfield	$1835	$309
Farm Bureau	$2622	$437
Pioneer State Mutual	$2855	$485
State Farm	$3048	$513
Frankenmuth	$3243	$552
Bristol West	$3660	$610
Allstate	$2808	$477
Farmers	$5689	$967
Hastings Mutual	$1270	$212

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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

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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	$1566	$264
Auto-Owners	$1964	$331
AAA	$2549	$429
Progressive	$3596	$605
Farm Bureau	$4281	$713
Pioneer State Mutual	$5022	$853
Frankenmuth	$5986	$998
State Farm	$8415	$1431
Allstate	$6079	$1034
Farmers	$26094	$4437
Bristol West	$9043	$1507

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 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	$103
Encompass	$640	$109
Progressive	$899	$150
Westfield	$945	$161
Auto-Owners Insurance Co	$1002	$167
Pioneer State Mutual Ins Co	$1223	$207
Grange	$1548	$257
Farm Bureau Ins of MI	$1964	$334

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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	$1195	$201
Progressive	$1418	$239
Auto-Owners	$1649	$278
AAA	$1964	$331
Farm Bureau	$3206	$535
Pioneer State Mutual	$3420	$582
State Farm	$3864	$644
Frankenmuth	$4170	$710
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

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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 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
Farmers	$1279	$217
Progressive	$1409	$237
Pioneer State Mutual Ins Co	$1519	$259
USAA	$1686	$284
Travelers	$1863	$317
Auto-Owners	$3012	$507
Westfield	$3067	$516
AAA	$3382	$569
Bristol West	$4337	$738
Pioneer State Mutual	$5458	$909
Farm Bureau	$6421	$1092
State Farm	$7942	$1337
Frankenmuth	$14372	$2445
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
Grange	$983	$167
Auto-Owners	$1232	$206
USAA	$1260	$214
AAA	$1594	$265
Farm Bureau	$1649	$281
Pioneer State Mutual	$1816	$303
Progressive	$1853	$312
Frankenmuth	$2966	$495
State Farm	$5393	$917
Allstate	$3660	$622
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 $328 in January compared to $418 of December. In other words, there has been an decrease by $90 when you compare January and December.

The average cost of liability insurance in the Taylor dipped to $115 in January, compared to $139 in December. This represents an decrease of $24 when comparing January and December.

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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 $1324 for a six-month policy. It will cost around $348 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 N/A 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)

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