Cheapest Car Insurance Quotes in Waverly

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Waverly 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 Waverly

The car insurance rate in Waverly is $1245 for a six-month policy, which is $79 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $463, making it a popular choice for budget-conscious drivers. Rates in Waverly 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 Waverly

$1245

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Waverly

1st place: Travelers

At $463 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $592 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $642 for six months, making it the third cheapest auto insurance company in Waverly.

Waverly Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Waverly, MI is Travelers, offering policies at just $463 for a six-month term. This is followed by USAA, which has an average six-month premium of $592.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $765 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Waverly drivers find the best deals.

Cheap Car Insurance Companies in Waverly, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$463	$78
USAA	$592	$100
Encompass	$642	$109
Auto-Owners Insurance Co	$659	$110
Chubb	$693	$118
Farm Bureau Ins of MI	$815	$136
Auto-Owners	$854	$144
AAA	$860	$145
Pioneer State Mutual Ins Co	$887	$151
Progressive	$910	$153
Westfield	$1105	$186
Farm Bureau	$1580	$263
Pioneer State Mutual	$1720	$292
State Farm	$1837	$309
Frankenmuth	$1954	$333
Bristol West	$2205	$368
Allstate	$1692	$288
Farmers	$3428	$583
Hastings Mutual	$765	$128

Key Takeaways

Way's key takeaways about car insurance in Waverly

The auto insurance costs in Waverly fall around $463 for six months.
The cheapest auto insurance company in Waverly is Travelers.
Teen drivers pay the highest rate in Waverly at $908 per month.

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Cheapest Minimum Liability Car Insurance in Waverly

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 Waverly are given below.

Travelers provides the cheapest minimum car insurance coverage in Waverly. Their Average 6 Month Premium is $196. Farmers is the most expensive at $1781 for the same period.

Cheapest Liability Coverage in Waverly, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$196	$33
Westfield	$207	$35
USAA	$245	$41
Encompass	$268	$45
Chubb	$285	$49
Auto-Owners Insurance Co	$307	$51
Auto-Owners	$340	$57
Progressive	$385	$65
AAA	$391	$67
Farm Bureau Ins of MI	$397	$66
Farm Bureau	$497	$85
Pioneer State Mutual	$503	$84
Frankenmuth	$592	$101
State Farm	$916	$154
Bristol West	$921	$157
Allstate	$720	$122
Farmers	$1781	$297

Cheapest Full Coverage Car Insurance in Waverly

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 Waverly is Travelers at $78 per month and $463 for six months.

Cheapest Full Coverage Car Insurance Quotes in Waverly, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$463	$78
USAA	$592	$100
Encompass	$642	$109
Auto-Owners Insurance Co	$659	$110
Chubb	$693	$118
Farm Bureau Ins of MI	$815	$136
Auto-Owners	$854	$144
AAA	$860	$145
Pioneer State Mutual Ins Co	$887	$151
Progressive	$910	$153
Westfield	$1105	$186
Farm Bureau	$1580	$263
Pioneer State Mutual	$1720	$292
State Farm	$1837	$309
Frankenmuth	$1954	$333
Bristol West	$2205	$368
Allstate	$1692	$288
Farmers	$3428	$583
Hastings Mutual	$765	$128

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Average Car Insurance in Waverly 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 Waverly, MI increasing?

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

Car Insurance Premiums by Age in Waverly

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 Waverly,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Waverly at $39 per month. At $5449 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$229	$39
Westfield	$245	$41
Encompass	$268	$45
Chubb	$319	$55
Auto-Owners Insurance Co	$335	$55
Grange	$435	$74
USAA	$944	$159
Auto-Owners	$1183	$199
AAA	$1536	$259
Progressive	$2167	$365
Farm Bureau	$2579	$430
Pioneer State Mutual	$3026	$514
Frankenmuth	$3607	$602
State Farm	$5070	$862
Allstate	$3663	$623
Farmers	$15723	$2673
Bristol West	$5449	$908

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 Waverly, Travelers is the cheapest car insurance provider. At $374 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 Waverly is Farm Bureau Ins of MI, offering rates of around $1183 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$374	$62
Encompass	$385	$66
Progressive	$541	$90
Westfield	$570	$97
Auto-Owners Insurance Co	$603	$101
Pioneer State Mutual Ins Co	$737	$125
Grange	$932	$155
Farm Bureau Ins of MI	$1183	$201

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Car Insurance Rates with An Accident in Waverly

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

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

The cheapest car insurance companies after an at-fault accident in Waverly include Chubb and Westfield, offering $285 and $302, respectively. Pioneer State is an expensive provider with an average six-month premium of $447.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$285	$49
Westfield	$302	$50
Auto-Owners Insurance Co	$352	$60
Encompass	$397	$66
Farm Bureau Ins of MI	$469	$80
Pioneer State Mutual Ins Co	$519	$86
Travelers	$553	$93
USAA	$720	$121
Progressive	$854	$144
Auto-Owners	$994	$167
AAA	$1183	$199
Farm Bureau	$1932	$322
Pioneer State Mutual	$2060	$351
State Farm	$2328	$388
Frankenmuth	$2513	$428
Allstate	$2697	$449
Farmers	$4818	$820
Pioneer State	$447	$74

Waverly Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Waverly MI. For example, the car insurance in Waverly after a DUI increases to $2256 for a six month policy. While the rate increases by $1229 for a six-month policy in the case of a speeding ticket.

Waverly auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1229	$205
Failure to wear a seat belt	$1457	$248
Cell phone violation	$1546	$258
Texting while driving	$1546	$263
Illegal turn	$1552	$259
Wrong way/wrong lane	$1552	$264
Speeding in school zone	$1575	$262
Driving with expired registration	$1586	$270
Failure to stop at a red light	$1603	$267
Improper passing	$1603	$273
Speeding 16 - 20 MPH over limit	$1781	$297
Open container	$2099	$357
Driving with a suspended license	$2351	$392
Racing	$3032	$515
Reckless driving	$3295	$549
Leaving scene of an accident/hit and run	$3378	$574
DUI	$3485	$581

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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 Waverly 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 Waverly.

The cheapest car insurance premiums in Waverly are offered by Chubb at $285 for a six-month policy. However, it can be as expensive as $8799 with companies like Allstate.

Waverly car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$285	$47
Auto-Owners Insurance Co	$754	$128
Grange	$760	$127
Farmers	$771	$131
Progressive	$849	$143
Pioneer State Mutual Ins Co	$916	$156
USAA	$1016	$171
Travelers	$1122	$191
Auto-Owners	$1815	$306
Westfield	$1848	$311
AAA	$2038	$343
Bristol West	$2613	$445
Pioneer State Mutual	$3289	$548
Farm Bureau	$3869	$658
State Farm	$4786	$806
Frankenmuth	$8660	$1473
Allstate	$8799	$1466

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 Waverly are offered by Westfield at $245. However, it can be as expensive as $11106 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Waverly after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$245	$41
Chubb	$285	$47
Encompass	$302	$52
Travelers	$368	$61
Auto-Owners Insurance Co	$391	$67
Farm Bureau Ins of MI	$558	$93
Grange	$592	$101
Auto-Owners	$743	$124
USAA	$760	$129
AAA	$961	$160
Farm Bureau	$994	$169
Pioneer State Mutual	$1094	$182
Progressive	$1117	$188
Frankenmuth	$1787	$298
State Farm	$3250	$553
Allstate	$2205	$375
Farmers	$11106	$1888

Car Insurance Price Trends in Waverly, Michigan

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

The average cost of full coverage in the Waverly dipped by $197 in January compared to $252 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 Waverly dipped to $70 in January, compared to $84 in December. This represents an decrease of $14 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Waverly?

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

What is the cheapest car insurance in Waverly?

The cheapest car insurance in Waverly is $78 per month for full coverage.

How much is car insurance in Waverly for teenagers?

Car insurance for teenagers costs $229 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 Waverly?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $210 per month to insure your car in Waverly.

Is car insurance expensive in Waverly?

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

Cheapest Car Insurance Quotes in Waverly

Why you can trust Way?

How Much Is Car Insurance in Waverly

Avg. Car Insurance in Waverly

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Waverly

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Waverly Car Insurance Rates by Company

Cheap Car Insurance Companies in Waverly, MI

Way's key takeaways about car insurance in Waverly

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Waverly

Cheapest Liability Coverage in Waverly, MI

Cheapest Full Coverage Car Insurance in Waverly

Cheapest Full Coverage Car Insurance Quotes in Waverly, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Waverly by Rating Factor

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

Car Insurance Premiums by Age in Waverly

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Waverly,MI

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

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 Waverly

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

Waverly Car Insurance Rates by Violation

Waverly auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Waverly after a DUI

Waverly car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Waverly after Speeding ticket

Car Insurance Price Trends in Waverly, Michigan

Average Car Insurance Cost in Waverly by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Waverly, MI

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

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