Cheapest Car Insurance Quotes in Three Rivers

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Three Rivers Car Insurance

^$ 30

/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 Three Rivers

The car insurance rate in Three Rivers is $1047 for a six-month policy, which is $156 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $429, making it a popular choice for budget-conscious drivers. Rates in Three Rivers 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 Three Rivers

$1047

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Three Rivers

1st place: Travelers

At $429 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $538 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $594 for six months, making it the third cheapest auto insurance company in Three Rivers.

Three Rivers Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Three Rivers, MI is Travelers, offering policies at just $429 for a six-month term. This is followed by USAA, which has an average six-month premium of $538.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $708 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Three Rivers drivers find the best deals.

Cheap Car Insurance Companies in Three Rivers, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$429	$72
USAA	$538	$90
Encompass	$594	$99
Auto-Owners Insurance Co	$610	$104
Chubb	$641	$107
Auto-Owners	$719	$121
AAA	$733	$124
Farm Bureau Ins of MI	$754	$128
Pioneer State Mutual Ins Co	$821	$137
Progressive	$821	$138
Westfield	$1023	$172
Farm Bureau	$1153	$196
State Farm	$1468	$247
Allstate	$1566	$266
Bristol West	$2041	$340
Farmers	$3173	$539
Hastings Mutual	$708	$118

Key Takeaways

Way's key takeaways about car insurance in Three Rivers

The auto insurance costs in Three Rivers fall around $429 for six months.
The cheapest auto insurance company in Three Rivers is Travelers.
Teen drivers pay the highest rate in Three Rivers at $840 per month.

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

Cheapest Minimum Liability Car Insurance in Three Rivers

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 Three Rivers are given below.

Travelers provides the cheapest minimum car insurance coverage in Three Rivers. Their Average 6 Month Premium is $181. Hastings Mutual is the most expensive at $310 for the same period.

Cheapest Liability Coverage in Three Rivers, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$181	$30
Westfield	$191	$32
USAA	$243	$41
Encompass	$248	$42
Chubb	$264	$44
Auto-Owners Insurance Co	$284	$49
Auto-Owners	$336	$57
Farm Bureau Ins of MI	$367	$63
Progressive	$378	$64
AAA	$450	$77
Farm Bureau	$568	$95
Allstate	$666	$113
Bristol West	$853	$142
State Farm	$914	$154
Farmers	$1649	$275
Hastings Mutual	$310	$51

Cheapest Full Coverage Car Insurance in Three Rivers

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 Three Rivers is Travelers at $72 per month and $429 for six months.

Cheapest Full Coverage Car Insurance Quotes in Three Rivers, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$429	$72
USAA	$538	$90
Encompass	$594	$99
Auto-Owners Insurance Co	$610	$104
Chubb	$641	$107
Auto-Owners	$719	$121
AAA	$733	$124
Farm Bureau Ins of MI	$754	$128
Pioneer State Mutual Ins Co	$821	$137
Progressive	$821	$138
Westfield	$1023	$172
Farm Bureau	$1153	$196
State Farm	$1468	$247
Allstate	$1566	$266
Bristol West	$2041	$340
Farmers	$3173	$539
Hastings Mutual	$708	$118

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Average Car Insurance in Three Rivers 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 Three Rivers, MI increasing?

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

Car Insurance Premiums by Age in Three Rivers

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	$243
30s	USAA	$184
40s	USAA	$177
50s	USAA	$170
60s	Chubb	$155
70s	Chubb	$170

Cheapest Car Insurance Rates for Teen Drivers in Three Rivers,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Three Rivers at $36 per month. At $5043 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$212	$36
Westfield	$227	$38
Encompass	$248	$42
Chubb	$295	$50
Auto-Owners Insurance Co	$310	$51
Grange	$403	$69
USAA	$817	$137
Auto-Owners	$977	$164
AAA	$1302	$219
Farm Bureau	$1876	$319
Progressive	$2011	$338
Allstate	$3390	$577
State Farm	$3478	$579
Farmers	$14552	$2474
Bristol West	$5043	$840

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 Three Rivers.

As young drivers face the highest rates in Three Rivers, Chubb offers the cheapest auto insurance rates at $243 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 Three Rivers, Travelers is the cheapest car insurance provider. At $346 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 Three Rivers is Farm Bureau Ins of MI, offering rates of around $1095 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$346	$59
Encompass	$357	$59
Progressive	$501	$85
Westfield	$527	$88
Auto-Owners Insurance Co	$559	$95
Pioneer State Mutual Ins Co	$682	$114
Grange	$863	$147
Farm Bureau Ins of MI	$1095	$183

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

Car Insurance Rates with An Accident in Three Rivers

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

Cheapest Car Insurance Companies after an At-Fault Accident in Three Rivers

The cheapest car insurance companies after an at-fault accident in Three Rivers include Chubb and Westfield, offering $264 and $279, respectively. Pioneer State is an expensive provider with an average six-month premium of $413.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$264	$45
Westfield	$279	$46
Auto-Owners Insurance Co	$325	$56
Encompass	$367	$61
Farm Bureau Ins of MI	$434	$74
Pioneer State Mutual Ins Co	$480	$80
Travelers	$512	$86
USAA	$641	$108
Progressive	$708	$119
Auto-Owners	$791	$133
AAA	$1013	$171
Farm Bureau	$1411	$235
State Farm	$1607	$273
Allstate	$2496	$416
Farmers	$4460	$759
Pioneer State	$413	$69

Three Rivers Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Three Rivers MI. For example, the car insurance in Three Rivers after a DUI increases to $2088 for a six month policy. While the rate increases by $1137 for a six-month policy in the case of a speeding ticket.

Three Rivers auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1137	$190
Failure to wear a seat belt	$1349	$230
Cell phone violation	$1431	$238
Texting while driving	$1431	$244
Illegal turn	$1436	$239
Wrong way/wrong lane	$1436	$244
Speeding in school zone	$1457	$243
Driving with expired registration	$1468	$250
Failure to stop at a red light	$1483	$247
Improper passing	$1483	$252
Speeding 16 - 20 MPH over limit	$1649	$275
Open container	$1943	$331
Driving with a suspended license	$2176	$363
Racing	$2806	$477
Reckless driving	$3049	$508
Leaving scene of an accident/hit and run	$3127	$532
DUI	$3225	$538

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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 Three Rivers 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 Three Rivers.

The cheapest car insurance premiums in Three Rivers are offered by Chubb at $264 for a six-month policy. However, it can be as expensive as $8144 with companies like Allstate.

Three Rivers car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$264	$44
Auto-Owners Insurance Co	$698	$118
Grange	$703	$117
Progressive	$749	$126
Pioneer State Mutual Ins Co	$847	$141
USAA	$914	$154
Travelers	$1039	$173
Auto-Owners	$1571	$264
Westfield	$1710	$288
AAA	$1767	$298
Bristol West	$2419	$403
Farmers	$2480	$418
Farm Bureau	$2935	$489
State Farm	$3695	$622
Allstate	$8144	$1357

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 Three Rivers are offered by Westfield at $227. However, it can be as expensive as $10279 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Three Rivers after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$227	$38
Chubb	$264	$44
Encompass	$279	$48
Travelers	$341	$57
Auto-Owners Insurance Co	$362	$62
Farm Bureau Ins of MI	$517	$86
USAA	$538	$91
Grange	$548	$91
Auto-Owners	$754	$128
Progressive	$1106	$186
AAA	$1121	$191
Farm Bureau	$1127	$188
Allstate	$2041	$347
State Farm	$3426	$571
Farmers	$10279	$1748

Car Insurance Price Trends in Three Rivers, Michigan

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

The average cost of full coverage in the Three Rivers dipped by $233 in December compared to $239 of November. In other words, there has been an decrease by $6 when you compare December and November.

The average cost of liability insurance in the Three Rivers rose to $77 in December, compared to $71 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Three Rivers?

The car insurance in Three Rivers is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Three Rivers?

The cheapest car insurance in Three Rivers is $72 per month for full coverage.

How much is car insurance in Three Rivers for teenagers?

Car insurance for teenagers costs $212 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 Three Rivers?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $176 per month to insure your car in Three Rivers.

Is car insurance expensive in Three Rivers?

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

Cheapest Car Insurance Quotes in Three Rivers

Why you can trust Way?

How Much Is Car Insurance in Three Rivers

Avg. Car Insurance in Three Rivers

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Three Rivers

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Three Rivers Car Insurance Rates by Company

Cheap Car Insurance Companies in Three Rivers, MI

Way's key takeaways about car insurance in Three Rivers

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Three Rivers

Cheapest Liability Coverage in Three Rivers, MI

Cheapest Full Coverage Car Insurance in Three Rivers

Cheapest Full Coverage Car Insurance Quotes in Three Rivers, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Three Rivers by Rating Factor

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

Car Insurance Premiums by Age in Three Rivers

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Three Rivers,MI

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

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 Three Rivers

Cheapest Car Insurance Companies after an At-Fault Accident in Three Rivers

Three Rivers Car Insurance Rates by Violation

Three Rivers auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Three Rivers after a DUI

Three Rivers car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Three Rivers after Speeding ticket

Car Insurance Price Trends in Three Rivers, Michigan

Average Car Insurance Cost in Three Rivers by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Three Rivers, MI

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

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