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Finding the cheapest car insurance quotes in Tipton 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.
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 Tipton
The car insurance rate in Tipton is $1271 for a six-month policy, which is $53 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $473, making it a popular choice for budget-conscious drivers. Rates in Tipton 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.
At $473 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $605 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Encompass
Encompass offers auto insurance
rates at $656
for six months, making it
the third cheapest auto insurance company in Tipton.
Tipton Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Tipton, MI is Travelers, offering policies at just $473 for a six-month term. This is followed by USAA, which has an average six-month premium of $605.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $781 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Tipton drivers find the best deals.
The auto insurance costs in Tipton fall around $473 for six
months.
The cheapest auto insurance company in Tipton is Travelers.
Teen drivers pay the highest rate in Tipton at $927 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 Tipton
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 Tipton are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Tipton. Their Average 6 Month Premium is $200.
Farmers is the most
expensive at $1819 for the same
period.
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 Tipton is Travelers
at $80 per month and $473
for six months.
Cheapest Full Coverage Car Insurance Quotes in Tipton,
MI
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 Tipton, MI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Tipton, 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, Tipton's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Tipton
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
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Cheapest Car Insurance Rates for Teen Drivers in
Tipton,MI
If you are planning to get a car insurance policy for your teenage
dependent, Travelers provides the cheapest car
insurance in the Tipton at $39
per
month. At $5565 for a six-month premium,
Bristol West offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Tipton.
As young drivers face the highest rates in Tipton, N/A
offers the cheapest auto insurance rates at $N/A 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 Tipton,
Travelers is
the cheapest car insurance provider. At $382 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
Tipton is Farm Bureau Ins of MI, offering
rates of around $1209 for six
months.
Save up to $971/yr on car insurance rates in Tipton.
Car Insurance Rates with An Accident in Tipton
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 Tipton, MI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Tipton
The cheapest car insurance companies after an at-fault accident in
Tipton include Chubb
and Westfield, offering $291
and $308,
respectively. Pioneer State is an expensive provider
with an average six-month premium of
$456.
Here is a list of driving violations that can increase your car
insurance rates in Tipton MI. For example, the car
insurance in Tipton
after a DUI increases to $2304 for a six
month policy. While the rate increases by $1255 for a six-month policy in the case of
a speeding ticket.
Tipton auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1255
$209
Failure to wear a seat belt
$1488
$253
Cell phone violation
$1579
$263
Texting while driving
$1579
$269
Illegal turn
$1585
$264
Wrong way/wrong lane
$1585
$270
Speeding in school zone
$1608
$268
Driving with expired registration
$1620
$276
Failure to stop at a red light
$1637
$273
Improper passing
$1637
$278
Speeding 16 - 20 MPH over limit
$1819
$303
Open container
$2144
$365
Driving with a suspended license
$2401
$400
Racing
$3096
$526
Reckless driving
$3365
$561
Leaving scene of an accident/hit and run
$3450
$587
DUI
$3559
$593
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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 Tipton 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 Tipton.
The cheapest car insurance premiums in
Tipton are
offered by Chubb at $291 for a six-month policy.
However, it can be as
expensive as $8987 with companies
like Allstate.
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 Tipton are offered by Westfield
at $251. However,
it can be as expensive as $11342
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Tipton after Speeding ticket
Car insurance rates in Tipton have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Tipton dipped by
$202 in January
compared to $257 of December. In other words, there has been an decrease by $55 when you
compare January and December.
The average cost of liability insurance in the Tipton dipped to $71 in January,
compared to $85 in December.
This represents an decrease of $14
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Tipton. At $2542 for a
six-month policy, insuring
your car at 49287 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Tipton?
The car insurance in Tipton is $34 per month, which is lower than the national average.
What is the cheapest car insurance in Tipton?
The cheapest car insurance in Tipton
is $80 per month
for full coverage.
How much is car insurance in Tipton for teenagers?
Car insurance for teenagers costs $234 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
Tipton?
The average cost of car insurance is $1324 for a six-month
policy. It will cost around $214 per month to insure your
car in Tipton.
Is car insurance expensive in Tipton?
Car insurance can be expensive in Tipton if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Tipton can be
affordable.
What is the best car insurance in Tipton,
MI?
The best car insurance company in Tipton
MI is
Travelers, offering $473 for a
six-month policy.
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Tipton Car Insurance
