Cheapest Car Insurance Quotes in Trenton

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Trenton Car Insurance

^$ 49

/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 Trenton

The car insurance rate in Trenton is $1867 for a six-month policy, which is $543 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $695, making it a popular choice for budget-conscious drivers. Rates in Trenton 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 Trenton

$1867

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Trenton

1st place: Travelers

At $695 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $888 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $963 for six months, making it the third cheapest auto insurance company in Trenton.

Trenton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Trenton, MI is Travelers, offering policies at just $695 for a six-month term. This is followed by USAA, which has an average six-month premium of $888.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1148 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Trenton drivers find the best deals.

Cheap Car Insurance Companies in Trenton, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$695	$117
USAA	$888	$149
Encompass	$963	$164
Auto-Owners Insurance Co	$988	$165
Chubb	$1039	$176
Farm Bureau Ins of MI	$1222	$204
Auto-Owners	$1282	$216
AAA	$1290	$217
Pioneer State Mutual Ins Co	$1331	$227
Progressive	$1365	$230
Westfield	$1658	$279
Farm Bureau	$2370	$395
Pioneer State Mutual	$2580	$439
State Farm	$2755	$464
Frankenmuth	$2931	$499
Bristol West	$3308	$551
Allstate	$2538	$431
Farmers	$5142	$874
Hastings Mutual	$1148	$192

Key Takeaways

Way's key takeaways about car insurance in Trenton

The auto insurance costs in Trenton fall around $695 for six months.
The cheapest auto insurance company in Trenton is Travelers.
Teen drivers pay the highest rate in Trenton at $1362 per month.

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Cheapest Minimum Liability Car Insurance in Trenton

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 Trenton are given below.

Travelers provides the cheapest minimum car insurance coverage in Trenton. Their Average 6 Month Premium is $293. Farmers is the most expensive at $2672 for the same period.

Cheapest Liability Coverage in Trenton, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$293	$49
Westfield	$310	$52
USAA	$368	$62
Encompass	$402	$68
Chubb	$427	$73
Auto-Owners Insurance Co	$461	$76
Auto-Owners	$510	$86
Progressive	$578	$97
AAA	$587	$100
Farm Bureau Ins of MI	$595	$99
Farm Bureau	$746	$127
Pioneer State Mutual	$754	$125
Frankenmuth	$888	$151
State Farm	$1373	$231
Bristol West	$1382	$235
Allstate	$1080	$183
Farmers	$2672	$446

Cheapest Full Coverage Car Insurance in Trenton

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 Trenton is Travelers at $117 per month and $695 for six months.

Cheapest Full Coverage Car Insurance Quotes in Trenton, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$695	$117
USAA	$888	$149
Encompass	$963	$164
Auto-Owners Insurance Co	$988	$165
Chubb	$1039	$176
Farm Bureau Ins of MI	$1222	$204
Auto-Owners	$1282	$216
AAA	$1290	$217
Pioneer State Mutual Ins Co	$1331	$227
Progressive	$1365	$230
Westfield	$1658	$279
Farm Bureau	$2370	$395
Pioneer State Mutual	$2580	$439
State Farm	$2755	$464
Frankenmuth	$2931	$499
Bristol West	$3308	$551
Allstate	$2538	$431
Farmers	$5142	$874
Hastings Mutual	$1148	$192

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Average Car Insurance in Trenton 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 Trenton, MI increasing?

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

Car Insurance Premiums by Age in Trenton

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 Trenton,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Trenton at $58 per month. At $8174 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$344	$58
Westfield	$368	$62
Encompass	$402	$68
Chubb	$478	$82
Auto-Owners Insurance Co	$502	$83
Grange	$653	$111
USAA	$1416	$238
Auto-Owners	$1775	$299
AAA	$2304	$388
Progressive	$3250	$547
Farm Bureau	$3869	$644
Pioneer State Mutual	$4539	$771
Frankenmuth	$5410	$902
State Farm	$7606	$1293
Allstate	$5495	$935
Farmers	$23585	$4010
Bristol West	$8174	$1362

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 Trenton, Travelers is the cheapest car insurance provider. At $561 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 Trenton is Farm Bureau Ins of MI, offering rates of around $1775 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$561	$93
Encompass	$578	$99
Progressive	$812	$135
Westfield	$854	$145
Auto-Owners Insurance Co	$905	$151
Pioneer State Mutual Ins Co	$1105	$188
Grange	$1399	$233
Farm Bureau Ins of MI	$1775	$302

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Car Insurance Rates with An Accident in Trenton

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

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

The cheapest car insurance companies after an at-fault accident in Trenton include Chubb and Westfield, offering $427 and $453, respectively. Pioneer State is an expensive provider with an average six-month premium of $670.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$427	$73
Westfield	$453	$75
Auto-Owners Insurance Co	$527	$90
Encompass	$595	$99
Farm Bureau Ins of MI	$704	$120
Pioneer State Mutual Ins Co	$778	$130
Travelers	$829	$140
USAA	$1080	$182
Progressive	$1282	$216
Auto-Owners	$1490	$251
AAA	$1775	$299
Farm Bureau	$2898	$484
Pioneer State Mutual	$3091	$526
State Farm	$3493	$582
Frankenmuth	$3769	$642
Allstate	$4045	$674
Farmers	$7228	$1230
Pioneer State	$670	$111

Trenton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Trenton MI. For example, the car insurance in Trenton after a DUI increases to $3384 for a six month policy. While the rate increases by $1843 for a six-month policy in the case of a speeding ticket.

Trenton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1843	$307
Failure to wear a seat belt	$2186	$372
Cell phone violation	$2319	$386
Texting while driving	$2319	$395
Illegal turn	$2328	$388
Wrong way/wrong lane	$2328	$396
Speeding in school zone	$2362	$393
Driving with expired registration	$2379	$405
Failure to stop at a red light	$2404	$400
Improper passing	$2404	$409
Speeding 16 - 20 MPH over limit	$2672	$446
Open container	$3149	$536
Driving with a suspended license	$3526	$588
Racing	$4547	$773
Reckless driving	$4942	$823
Leaving scene of an accident/hit and run	$5068	$862
DUI	$5227	$871

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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 Trenton 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 Trenton.

The cheapest car insurance premiums in Trenton are offered by Chubb at $427 for a six-month policy. However, it can be as expensive as $13199 with companies like Allstate.

Trenton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$427	$71
Auto-Owners Insurance Co	$1131	$192
Grange	$1139	$190
Farmers	$1156	$196
Progressive	$1273	$214
Pioneer State Mutual Ins Co	$1373	$234
USAA	$1524	$257
Travelers	$1684	$286
Auto-Owners	$2723	$458
Westfield	$2772	$467
AAA	$3057	$515
Bristol West	$3920	$667
Pioneer State Mutual	$4934	$822
Farm Bureau	$5804	$987
State Farm	$7178	$1208
Frankenmuth	$12990	$2209
Allstate	$13199	$2200

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 Trenton are offered by Westfield at $368. However, it can be as expensive as $16659 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Trenton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$368	$62
Chubb	$427	$71
Encompass	$453	$78
Travelers	$553	$92
Auto-Owners Insurance Co	$587	$100
Farm Bureau Ins of MI	$838	$140
Grange	$888	$151
Auto-Owners	$1114	$186
USAA	$1139	$193
AAA	$1441	$240
Farm Bureau	$1490	$254
Pioneer State Mutual	$1641	$274
Progressive	$1675	$282
Frankenmuth	$2680	$447
State Farm	$4874	$829
Allstate	$3308	$563
Farmers	$16659	$2833

Car Insurance Price Trends in Trenton, Michigan

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

The average cost of full coverage in the Trenton dipped by $296 in January compared to $378 of December. In other words, there has been an decrease by $82 when you compare January and December.

The average cost of liability insurance in the Trenton dipped to $104 in January, compared to $125 in December. This represents an decrease of $21 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Trenton?

The car insurance in Trenton is $49 per month, which is lower than the national average.

What is the cheapest car insurance in Trenton?

The cheapest car insurance in Trenton is $117 per month for full coverage.

How much is car insurance in Trenton for teenagers?

Car insurance for teenagers costs $344 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 Trenton?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $314 per month to insure your car in Trenton.

Is car insurance expensive in Trenton?

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

Cheapest Car Insurance Quotes in Trenton

Why you can trust Way?

How Much Is Car Insurance in Trenton

Avg. Car Insurance in Trenton

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Trenton

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Trenton Car Insurance Rates by Company

Cheap Car Insurance Companies in Trenton, MI

Way's key takeaways about car insurance in Trenton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Trenton

Cheapest Liability Coverage in Trenton, MI

Cheapest Full Coverage Car Insurance in Trenton

Cheapest Full Coverage Car Insurance Quotes in Trenton, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Trenton by Rating Factor

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

Car Insurance Premiums by Age in Trenton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Trenton,MI

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

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 Trenton

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

Trenton Car Insurance Rates by Violation

Trenton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Trenton after a DUI

Trenton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Trenton after Speeding ticket

Car Insurance Price Trends in Trenton, Michigan

Average Car Insurance Cost in Trenton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Trenton, MI

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

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