Cheapest Car Insurance Quotes in Vanderbilt

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Vanderbilt Car Insurance

^$ 33

/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 Vanderbilt

The car insurance rate in Vanderbilt is $1258 for a six-month policy, which is $66 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $468, making it a popular choice for budget-conscious drivers. Rates in Vanderbilt 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 Vanderbilt

$1258

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Vanderbilt

1st place: Travelers

At $468 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $599 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $649 for six months, making it the third cheapest auto insurance company in Vanderbilt.

Vanderbilt Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Vanderbilt, MI is Travelers, offering policies at just $468 for a six-month term. This is followed by USAA, which has an average six-month premium of $599.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $773 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Vanderbilt drivers find the best deals.

Cheap Car Insurance Companies in Vanderbilt, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$468	$79
USAA	$599	$101
Encompass	$649	$110
Auto-Owners Insurance Co	$666	$111
Chubb	$700	$119
Farm Bureau Ins of MI	$824	$138
Auto-Owners	$864	$145
AAA	$869	$146
Pioneer State Mutual Ins Co	$897	$153
Progressive	$920	$155
Westfield	$1117	$188
Farm Bureau	$1597	$266
Pioneer State Mutual	$1739	$295
State Farm	$1856	$313
Frankenmuth	$1975	$336
Bristol West	$2229	$371
Allstate	$1710	$291
Farmers	$3465	$589
Hastings Mutual	$773	$129

Key Takeaways

Way's key takeaways about car insurance in Vanderbilt

The auto insurance costs in Vanderbilt fall around $468 for six months.
The cheapest auto insurance company in Vanderbilt is Travelers.
Teen drivers pay the highest rate in Vanderbilt at $918 per month.

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Cheapest Minimum Liability Car Insurance in Vanderbilt

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 Vanderbilt are given below.

Travelers provides the cheapest minimum car insurance coverage in Vanderbilt. Their Average 6 Month Premium is $198. Farmers is the most expensive at $1800 for the same period.

Cheapest Liability Coverage in Vanderbilt, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$198	$33
Westfield	$209	$35
USAA	$248	$42
Encompass	$271	$46
Chubb	$288	$49
Auto-Owners Insurance Co	$311	$51
Auto-Owners	$344	$58
Progressive	$390	$66
AAA	$395	$67
Farm Bureau Ins of MI	$401	$67
Farm Bureau	$503	$86
Pioneer State Mutual	$508	$85
Frankenmuth	$599	$102
State Farm	$925	$156
Bristol West	$931	$159
Allstate	$728	$124
Farmers	$1800	$300

Cheapest Full Coverage Car Insurance in Vanderbilt

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 Vanderbilt is Travelers at $79 per month and $468 for six months.

Cheapest Full Coverage Car Insurance Quotes in Vanderbilt, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$468	$79
USAA	$599	$101
Encompass	$649	$110
Auto-Owners Insurance Co	$666	$111
Chubb	$700	$119
Farm Bureau Ins of MI	$824	$138
Auto-Owners	$864	$145
AAA	$869	$146
Pioneer State Mutual Ins Co	$897	$153
Progressive	$920	$155
Westfield	$1117	$188
Farm Bureau	$1597	$266
Pioneer State Mutual	$1739	$295
State Farm	$1856	$313
Frankenmuth	$1975	$336
Bristol West	$2229	$371
Allstate	$1710	$291
Farmers	$3465	$589
Hastings Mutual	$773	$129

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Average Car Insurance in Vanderbilt 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 Vanderbilt, MI increasing?

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

Car Insurance Premiums by Age in Vanderbilt

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 Vanderbilt,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Vanderbilt at $39 per month. At $5507 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$232	$39
Westfield	$248	$42
Encompass	$271	$46
Chubb	$322	$55
Auto-Owners Insurance Co	$338	$56
Grange	$440	$75
USAA	$954	$161
Auto-Owners	$1196	$201
AAA	$1552	$261
Progressive	$2190	$369
Farm Bureau	$2607	$434
Pioneer State Mutual	$3058	$520
Frankenmuth	$3645	$608
State Farm	$5124	$871
Allstate	$3702	$630
Farmers	$15891	$2702
Bristol West	$5507	$918

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 Vanderbilt, Travelers is the cheapest car insurance provider. At $378 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 Vanderbilt is Farm Bureau Ins of MI, offering rates of around $1196 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$378	$63
Encompass	$390	$67
Progressive	$547	$91
Westfield	$576	$98
Auto-Owners Insurance Co	$610	$102
Pioneer State Mutual Ins Co	$745	$126
Grange	$942	$157
Farm Bureau Ins of MI	$1196	$203

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

Car Insurance Rates with An Accident in Vanderbilt

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

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

The cheapest car insurance companies after an at-fault accident in Vanderbilt include Chubb and Westfield, offering $288 and $305, respectively. Pioneer State is an expensive provider with an average six-month premium of $451.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$288	$49
Westfield	$305	$50
Auto-Owners Insurance Co	$355	$61
Encompass	$401	$67
Farm Bureau Ins of MI	$474	$81
Pioneer State Mutual Ins Co	$524	$87
Travelers	$559	$94
USAA	$728	$123
Progressive	$864	$145
Auto-Owners	$1004	$169
AAA	$1196	$201
Farm Bureau	$1952	$326
Pioneer State Mutual	$2082	$354
State Farm	$2353	$392
Frankenmuth	$2539	$432
Allstate	$2726	$454
Farmers	$4870	$828
Pioneer State	$451	$75

Vanderbilt Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Vanderbilt MI. For example, the car insurance in Vanderbilt after a DUI increases to $2280 for a six month policy. While the rate increases by $1242 for a six-month policy in the case of a speeding ticket.

Vanderbilt auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1242	$207
Failure to wear a seat belt	$1473	$251
Cell phone violation	$1563	$260
Texting while driving	$1563	$266
Illegal turn	$1568	$261
Wrong way/wrong lane	$1568	$267
Speeding in school zone	$1591	$265
Driving with expired registration	$1603	$273
Failure to stop at a red light	$1620	$270
Improper passing	$1620	$276
Speeding 16 - 20 MPH over limit	$1800	$300
Open container	$2121	$361
Driving with a suspended license	$2376	$396
Racing	$3064	$521
Reckless driving	$3330	$555
Leaving scene of an accident/hit and run	$3414	$580
DUI	$3522	$587

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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 Vanderbilt 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 Vanderbilt.

The cheapest car insurance premiums in Vanderbilt are offered by Chubb at $288 for a six-month policy. However, it can be as expensive as $8893 with companies like Allstate.

Vanderbilt car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$288	$48
Auto-Owners Insurance Co	$762	$129
Grange	$768	$128
Farmers	$779	$132
Progressive	$858	$144
Pioneer State Mutual Ins Co	$925	$158
USAA	$1027	$173
Travelers	$1134	$193
Auto-Owners	$1834	$309
Westfield	$1868	$314
AAA	$2060	$347
Bristol West	$2641	$449
Pioneer State Mutual	$3324	$554
Farm Bureau	$3910	$665
State Farm	$4836	$814
Frankenmuth	$8752	$1489
Allstate	$8893	$1482

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 Vanderbilt are offered by Westfield at $248. However, it can be as expensive as $11224 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Vanderbilt after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$248	$42
Chubb	$288	$48
Encompass	$305	$52
Travelers	$372	$62
Auto-Owners Insurance Co	$395	$67
Farm Bureau Ins of MI	$564	$94
Grange	$599	$102
Auto-Owners	$751	$125
USAA	$768	$130
AAA	$971	$162
Farm Bureau	$1004	$171
Pioneer State Mutual	$1106	$184
Progressive	$1129	$190
Frankenmuth	$1806	$301
State Farm	$3284	$559
Allstate	$2229	$379
Farmers	$11224	$1909

Car Insurance Price Trends in Vanderbilt, Michigan

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

The average cost of full coverage in the Vanderbilt dipped by $200 in January compared to $255 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 Vanderbilt dipped to $70 in January, compared to $85 in December. This represents an decrease of $15 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Vanderbilt?

The car insurance in Vanderbilt is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Vanderbilt?

The cheapest car insurance in Vanderbilt is $79 per month for full coverage.

How much is car insurance in Vanderbilt for teenagers?

Car insurance for teenagers costs $232 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 Vanderbilt?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $212 per month to insure your car in Vanderbilt.

Is car insurance expensive in Vanderbilt?

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

Cheapest Car Insurance Quotes in Vanderbilt

Why you can trust Way?

How Much Is Car Insurance in Vanderbilt

Avg. Car Insurance in Vanderbilt

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Vanderbilt

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Vanderbilt Car Insurance Rates by Company

Cheap Car Insurance Companies in Vanderbilt, MI

Way's key takeaways about car insurance in Vanderbilt

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Vanderbilt

Cheapest Liability Coverage in Vanderbilt, MI

Cheapest Full Coverage Car Insurance in Vanderbilt

Cheapest Full Coverage Car Insurance Quotes in Vanderbilt, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Vanderbilt by Rating Factor

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

Car Insurance Premiums by Age in Vanderbilt

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Vanderbilt,MI

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

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 Vanderbilt

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

Vanderbilt Car Insurance Rates by Violation

Vanderbilt auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Vanderbilt after a DUI

Vanderbilt car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Vanderbilt after Speeding ticket

Car Insurance Price Trends in Vanderbilt, Michigan

Average Car Insurance Cost in Vanderbilt by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Vanderbilt, MI

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

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