Cheapest Car Insurance Quotes in Traverse City

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Traverse City Car Insurance

^$ 31

/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 Traverse City

The car insurance rate in Traverse City is $1165 for a six-month policy, which is $159 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $434, making it a popular choice for budget-conscious drivers. Rates in Traverse City 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 Traverse City

$1165

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Traverse City

1st place: Travelers

At $434 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $554 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $601 for six months, making it the third cheapest auto insurance company in Traverse City.

Traverse City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Traverse City, MI is Travelers, offering policies at just $434 for a six-month term. This is followed by USAA, which has an average six-month premium of $554.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $716 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Traverse City drivers find the best deals.

Cheap Car Insurance Companies in Traverse City, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$434	$73
USAA	$554	$93
Encompass	$601	$102
Auto-Owners Insurance Co	$617	$103
Chubb	$649	$110
Farm Bureau Ins of MI	$763	$128
Auto-Owners	$800	$135
AAA	$805	$136
Pioneer State Mutual Ins Co	$831	$142
Progressive	$852	$143
Westfield	$1035	$174
Farm Bureau	$1479	$246
Pioneer State Mutual	$1610	$274
State Farm	$1720	$290
Frankenmuth	$1830	$312
Bristol West	$2064	$344
Allstate	$1584	$269
Farmers	$3209	$546
Hastings Mutual	$716	$120

Key Takeaways

Way's key takeaways about car insurance in Traverse City

The auto insurance costs in Traverse City fall around $434 for six months.
The cheapest auto insurance company in Traverse City is Travelers.
Teen drivers pay the highest rate in Traverse City at $850 per month.

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Cheapest Minimum Liability Car Insurance in Traverse City

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 Traverse City are given below.

Travelers provides the cheapest minimum car insurance coverage in Traverse City. Their Average 6 Month Premium is $183. Farmers is the most expensive at $1668 for the same period.

Cheapest Liability Coverage in Traverse City, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$183	$31
Westfield	$194	$33
USAA	$230	$39
Encompass	$251	$42
Chubb	$267	$46
Auto-Owners Insurance Co	$288	$48
Auto-Owners	$319	$54
Progressive	$361	$61
AAA	$366	$62
Farm Bureau Ins of MI	$371	$62
Farm Bureau	$466	$79
Pioneer State Mutual	$471	$78
Frankenmuth	$554	$94
State Farm	$857	$144
Bristol West	$862	$147
Allstate	$674	$114
Farmers	$1668	$278

Cheapest Full Coverage Car Insurance in Traverse City

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 Traverse City is Travelers at $73 per month and $434 for six months.

Cheapest Full Coverage Car Insurance Quotes in Traverse City, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$434	$73
USAA	$554	$93
Encompass	$601	$102
Auto-Owners Insurance Co	$617	$103
Chubb	$649	$110
Farm Bureau Ins of MI	$763	$128
Auto-Owners	$800	$135
AAA	$805	$136
Pioneer State Mutual Ins Co	$831	$142
Progressive	$852	$143
Westfield	$1035	$174
Farm Bureau	$1479	$246
Pioneer State Mutual	$1610	$274
State Farm	$1720	$290
Frankenmuth	$1830	$312
Bristol West	$2064	$344
Allstate	$1584	$269
Farmers	$3209	$546
Hastings Mutual	$716	$120

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Average Car Insurance in Traverse City 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 Traverse City, MI increasing?

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

Car Insurance Premiums by Age in Traverse City

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 Traverse City,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Traverse City at $36 per month. At $5101 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$215	$36
Westfield	$230	$39
Encompass	$251	$42
Chubb	$298	$51
Auto-Owners Insurance Co	$313	$52
Grange	$407	$70
USAA	$884	$149
Auto-Owners	$1108	$187
AAA	$1438	$242
Progressive	$2028	$341
Farm Bureau	$2415	$402
Pioneer State Mutual	$2833	$481
Frankenmuth	$3377	$563
State Farm	$4747	$807
Allstate	$3429	$583
Farmers	$14720	$2503
Bristol West	$5101	$850

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 Traverse City, Travelers is the cheapest car insurance provider. At $350 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 Traverse City is Farm Bureau Ins of MI, offering rates of around $1108 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$350	$58
Encompass	$361	$62
Progressive	$507	$84
Westfield	$533	$91
Auto-Owners Insurance Co	$565	$94
Pioneer State Mutual Ins Co	$690	$117
Grange	$873	$145
Farm Bureau Ins of MI	$1108	$188

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Car Insurance Rates with An Accident in Traverse City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Traverse City

The cheapest car insurance companies after an at-fault accident in Traverse City include Chubb and Westfield, offering $267 and $282, respectively. Pioneer State is an expensive provider with an average six-month premium of $418.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$267	$46
Westfield	$282	$47
Auto-Owners Insurance Co	$329	$56
Encompass	$371	$62
Farm Bureau Ins of MI	$439	$75
Pioneer State Mutual Ins Co	$486	$81
Travelers	$517	$87
USAA	$674	$114
Progressive	$800	$135
Auto-Owners	$930	$157
AAA	$1108	$187
Farm Bureau	$1808	$302
Pioneer State Mutual	$1929	$328
State Farm	$2180	$363
Frankenmuth	$2352	$400
Allstate	$2525	$421
Farmers	$4511	$767
Pioneer State	$418	$70

Traverse City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Traverse City MI. For example, the car insurance in Traverse City after a DUI increases to $2112 for a six month policy. While the rate increases by $1150 for a six-month policy in the case of a speeding ticket.

Traverse City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1150	$192
Failure to wear a seat belt	$1364	$232
Cell phone violation	$1448	$241
Texting while driving	$1448	$246
Illegal turn	$1453	$242
Wrong way/wrong lane	$1453	$247
Speeding in school zone	$1474	$246
Driving with expired registration	$1485	$253
Failure to stop at a red light	$1500	$250
Improper passing	$1500	$255
Speeding 16 - 20 MPH over limit	$1668	$278
Open container	$1965	$334
Driving with a suspended license	$2201	$367
Racing	$2838	$482
Reckless driving	$3084	$514
Leaving scene of an accident/hit and run	$3163	$538
DUI	$3262	$544

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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 Traverse City 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 Traverse City.

The cheapest car insurance premiums in Traverse City are offered by Chubb at $267 for a six-month policy. However, it can be as expensive as $8238 with companies like Allstate.

Traverse City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$267	$44
Auto-Owners Insurance Co	$706	$120
Grange	$711	$119
Farmers	$722	$122
Progressive	$795	$134
Pioneer State Mutual Ins Co	$857	$146
USAA	$951	$160
Travelers	$1051	$179
Auto-Owners	$1699	$286
Westfield	$1730	$291
AAA	$1908	$321
Bristol West	$2446	$416
Pioneer State Mutual	$3079	$513
Farm Bureau	$3622	$616
State Farm	$4480	$754
Frankenmuth	$8107	$1379
Allstate	$8238	$1373

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 Traverse City are offered by Westfield at $230. However, it can be as expensive as $10397 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Traverse City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$230	$39
Chubb	$267	$44
Encompass	$282	$48
Travelers	$345	$57
Auto-Owners Insurance Co	$366	$62
Farm Bureau Ins of MI	$523	$87
Grange	$554	$94
Auto-Owners	$695	$116
USAA	$711	$121
AAA	$899	$150
Farm Bureau	$930	$158
Pioneer State Mutual	$1024	$171
Progressive	$1045	$176
Frankenmuth	$1673	$279
State Farm	$3042	$517
Allstate	$2064	$351
Farmers	$10397	$1768

Car Insurance Price Trends in Traverse City, Michigan

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

The average cost of full coverage in the Traverse City dipped by $185 in January compared to $236 of December. In other words, there has been an decrease by $51 when you compare January and December.

The average cost of liability insurance in the Traverse City dipped to $65 in January, compared to $78 in December. This represents an decrease of $13 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Traverse City?

The car insurance in Traverse City is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Traverse City?

The cheapest car insurance in Traverse City is $73 per month for full coverage.

How much is car insurance in Traverse City for teenagers?

Car insurance for teenagers costs $215 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 Traverse City?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $196 per month to insure your car in Traverse City.

Is car insurance expensive in Traverse City?

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

Cheapest Car Insurance Quotes in Traverse City

Why you can trust Way?

How Much Is Car Insurance in Traverse City

Avg. Car Insurance in Traverse City

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Traverse City

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Traverse City Car Insurance Rates by Company

Cheap Car Insurance Companies in Traverse City, MI

Way's key takeaways about car insurance in Traverse City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Traverse City

Cheapest Liability Coverage in Traverse City, MI

Cheapest Full Coverage Car Insurance in Traverse City

Cheapest Full Coverage Car Insurance Quotes in Traverse City, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Traverse City by Rating Factor

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

Car Insurance Premiums by Age in Traverse City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Traverse City,MI

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

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 Traverse City

Cheapest Car Insurance Companies after an At-Fault Accident in Traverse City

Traverse City Car Insurance Rates by Violation

Traverse City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Traverse City after a DUI

Traverse City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Traverse City after Speeding ticket

Car Insurance Price Trends in Traverse City, Michigan

Average Car Insurance Cost in Traverse City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Traverse City, MI

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

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Data Sources