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Finding the cheapest car insurance quotes in Walhalla 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 Walhalla
The car insurance rate in Walhalla is $1203 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $493, making it a popular choice for budget-conscious drivers. Rates in Walhalla 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 $493 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $618 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Encompass
Encompass offers auto insurance
rates at $683
for six months, making it
the third cheapest auto insurance company in Walhalla.
Walhalla Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Walhalla, MI is Travelers, offering policies at just $493 for a six-month term. This is followed by USAA, which has an average six-month premium of $618.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $814 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Walhalla drivers find the best deals.
Way's key takeaways about car insurance in Walhalla
The auto insurance costs in Walhalla fall around $493 for six
months.
The cheapest auto insurance company in Walhalla is Travelers.
Teen drivers pay the highest rate in Walhalla at $966 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 Walhalla
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 Walhalla are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Walhalla. Their Average 6 Month Premium is $208.
Hastings Mutual is the most
expensive at $356 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 Walhalla is Travelers
at $83 per month and $493
for six months.
Cheapest Full Coverage Car Insurance Quotes in Walhalla,
MI
Get Your Car Insurance Quote in Walhalla
Instantly!
Average Car Insurance in Walhalla 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 Walhalla, MI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Walhalla, 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, Walhalla's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Walhalla
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
$279
30s
USAA
$212
40s
USAA
$203
50s
USAA
$195
60s
Chubb
$178
70s
Chubb
$195
Cheapest Car Insurance Rates for Teen Drivers in
Walhalla,MI
If you are planning to get a car insurance policy for your teenage
dependent, Travelers provides the cheapest car
insurance in the Walhalla at $41
per
month. At $5797 for a six-month premium,
Bristol West offers the most expensive rate for
teen drivers.
If you are in your twenties Chubb is
the best choice for car
insurance in Walhalla.
As young drivers face the highest rates in Walhalla, Chubb
offers the cheapest auto insurance rates at $279 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 Walhalla,
Travelers is
the cheapest car insurance provider. At $398 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
Walhalla is Farm Bureau Ins of MI, offering
rates of around $1259 for six
months.
Save up to $971/yr on car insurance rates in Walhalla.
Car Insurance Rates with An Accident in Walhalla
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 Walhalla, MI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Walhalla
The cheapest car insurance companies after an at-fault accident in
Walhalla include Chubb
and Westfield, offering $303
and $321,
respectively. Pioneer State is an expensive provider
with an average six-month premium of
$475.
Here is a list of driving violations that can increase your car
insurance rates in Walhalla MI. For example, the car
insurance in Walhalla
after a DUI increases to $2400 for a six
month policy. While the rate increases by $1307 for a six-month policy in the case of
a speeding ticket.
Walhalla auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1307
$218
Failure to wear a seat belt
$1550
$264
Cell phone violation
$1645
$274
Texting while driving
$1645
$280
Illegal turn
$1651
$275
Wrong way/wrong lane
$1651
$281
Speeding in school zone
$1675
$279
Driving with expired registration
$1687
$287
Failure to stop at a red light
$1705
$284
Improper passing
$1705
$290
Speeding 16 - 20 MPH over limit
$1895
$316
Open container
$2233
$380
Driving with a suspended license
$2501
$417
Racing
$3225
$548
Reckless driving
$3505
$584
Leaving scene of an accident/hit and run
$3594
$611
DUI
$3707
$618
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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 Walhalla 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 Walhalla.
The cheapest car insurance premiums in
Walhalla are
offered by Chubb at $303 for a six-month policy.
However, it can be as
expensive as $9361 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 Walhalla are offered by Westfield
at $261. However,
it can be as expensive as $11815
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Walhalla after Speeding ticket
Car insurance rates in Walhalla have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Walhalla dipped by
$268 in December
compared to $275 of November. In other words, there has been an decrease by $7 when you
compare December and November.
The average cost of liability insurance in the Walhalla rose to $89 in December,
compared to $82 in November.
This represents an increase of $7
when comparing December and November.
Average Car Insurance Cost in Walhalla by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Walhalla. At $2406 for a
six-month policy, insuring
your car at 49458 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 Walhalla?
The car insurance in Walhalla is $35 per month, which is lower than the national average.
What is the cheapest car insurance in Walhalla?
The cheapest car insurance in Walhalla
is $83 per month
for full coverage.
How much is car insurance in Walhalla for teenagers?
Car insurance for teenagers costs $244 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
Walhalla?
The average cost of car insurance is $1203 for a six-month
policy. It will cost around $202 per month to insure your
car in Walhalla.
Is car insurance expensive in Walhalla?
Car insurance can be expensive in Walhalla if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Walhalla can be
affordable.
What is the best car insurance in Walhalla,
MI?
The best car insurance company in Walhalla
MI is
Travelers, offering $493 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Walhalla, MI
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Walhalla Car Insurance
