Cheapest Car Insurance Quotes in Westland

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Westland Car Insurance

^$ 53

/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 Westland

The car insurance rate in Westland is $1805 for a six-month policy, which is $602 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $740, making it a popular choice for budget-conscious drivers. Rates in Westland 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 Westland

$1805

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Westland

1st place: Travelers

At $740 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $927 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1025 for six months, making it the third cheapest auto insurance company in Westland.

Westland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Westland, MI is Travelers, offering policies at just $740 for a six-month term. This is followed by USAA, which has an average six-month premium of $927.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1221 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Westland drivers find the best deals.

Cheap Car Insurance Companies in Westland, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$740	$125
USAA	$927	$156
Encompass	$1025	$171
Auto-Owners Insurance Co	$1052	$179
Chubb	$1106	$185
Auto-Owners	$1239	$209
AAA	$1265	$213
Farm Bureau Ins of MI	$1301	$221
Pioneer State Mutual Ins Co	$1416	$236
Progressive	$1416	$239
Westfield	$1764	$297
Farm Bureau	$1988	$338
State Farm	$2531	$426
Allstate	$2700	$459
Bristol West	$3519	$587
Farmers	$5471	$930
Hastings Mutual	$1221	$204

Key Takeaways

Way's key takeaways about car insurance in Westland

The auto insurance costs in Westland fall around $740 for six months.
The cheapest auto insurance company in Westland is Travelers.
Teen drivers pay the highest rate in Westland at $1449 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 Westland

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 Westland are given below.

Travelers provides the cheapest minimum car insurance coverage in Westland. Their Average 6 Month Premium is $312. Hastings Mutual is the most expensive at $534 for the same period.

Cheapest Liability Coverage in Westland, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$312	$53
Westfield	$330	$56
USAA	$419	$71
Encompass	$428	$72
Chubb	$455	$75
Auto-Owners Insurance Co	$491	$84
Auto-Owners	$579	$98
Farm Bureau Ins of MI	$633	$108
Progressive	$651	$110
AAA	$776	$132
Farm Bureau	$980	$164
Allstate	$1149	$195
Bristol West	$1470	$245
State Farm	$1577	$266
Farmers	$2843	$474
Hastings Mutual	$534	$89

Cheapest Full Coverage Car Insurance in Westland

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 Westland is Travelers at $125 per month and $740 for six months.

Cheapest Full Coverage Car Insurance Quotes in Westland, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$740	$125
USAA	$927	$156
Encompass	$1025	$171
Auto-Owners Insurance Co	$1052	$179
Chubb	$1106	$185
Auto-Owners	$1239	$209
AAA	$1265	$213
Farm Bureau Ins of MI	$1301	$221
Pioneer State Mutual Ins Co	$1416	$236
Progressive	$1416	$239
Westfield	$1764	$297
Farm Bureau	$1988	$338
State Farm	$2531	$426
Allstate	$2700	$459
Bristol West	$3519	$587
Farmers	$5471	$930
Hastings Mutual	$1221	$204

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Average Car Insurance in Westland 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 Westland, MI increasing?

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

Car Insurance Premiums by Age in Westland

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	$419
30s	USAA	$318
40s	USAA	$305
50s	USAA	$293
60s	Chubb	$267
70s	Chubb	$293

Cheapest Car Insurance Rates for Teen Drivers in Westland,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Westland at $62 per month. At $8696 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$366	$62
Westfield	$392	$66
Encompass	$428	$72
Chubb	$509	$87
Auto-Owners Insurance Co	$534	$89
Grange	$695	$119
USAA	$1409	$237
Auto-Owners	$1685	$284
AAA	$2246	$378
Farm Bureau	$3234	$551
Progressive	$3467	$584
Allstate	$5846	$995
State Farm	$5997	$999
Farmers	$25091	$4266
Bristol West	$8696	$1449

Teen Car Insurance Rates in MI by Age

Way Tip

If you are in your twenties Chubb is the best choice for car insurance in Westland.

As young drivers face the highest rates in Westland, Chubb offers the cheapest auto insurance rates at $419 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 Westland, Travelers is the cheapest car insurance provider. At $597 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 Westland is Farm Bureau Ins of MI, offering rates of around $1889 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$597	$102
Encompass	$615	$102
Progressive	$864	$147
Westfield	$909	$152
Auto-Owners Insurance Co	$963	$164
Pioneer State Mutual Ins Co	$1176	$197
Grange	$1488	$254
Farm Bureau Ins of MI	$1889	$315

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Westland

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

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

The cheapest car insurance companies after an at-fault accident in Westland include Chubb and Westfield, offering $455 and $482, respectively. Pioneer State is an expensive provider with an average six-month premium of $713.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$455	$78
Westfield	$482	$80
Auto-Owners Insurance Co	$561	$96
Encompass	$633	$105
Farm Bureau Ins of MI	$749	$128
Pioneer State Mutual Ins Co	$828	$138
Travelers	$882	$149
USAA	$1106	$186
Progressive	$1221	$206
Auto-Owners	$1364	$230
AAA	$1746	$294
Farm Bureau	$2433	$405
State Farm	$2771	$471
Allstate	$4304	$717
Farmers	$7689	$1308
Pioneer State	$713	$119

Westland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Westland MI. For example, the car insurance in Westland after a DUI increases to $3600 for a six month policy. While the rate increases by $1961 for a six-month policy in the case of a speeding ticket.

Westland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1961	$327
Failure to wear a seat belt	$2325	$396
Cell phone violation	$2468	$411
Texting while driving	$2468	$420
Illegal turn	$2477	$413
Wrong way/wrong lane	$2477	$422
Speeding in school zone	$2513	$419
Driving with expired registration	$2531	$431
Failure to stop at a red light	$2558	$426
Improper passing	$2558	$435
Speeding 16 - 20 MPH over limit	$2843	$474
Open container	$3350	$570
Driving with a suspended license	$3752	$626
Racing	$4838	$822
Reckless driving	$5258	$876
Leaving scene of an accident/hit and run	$5391	$917
DUI	$5561	$927

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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 Westland 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 Westland.

The cheapest car insurance premiums in Westland are offered by Chubb at $455 for a six-month policy. However, it can be as expensive as $14042 with companies like Allstate.

Westland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$455	$75
Auto-Owners Insurance Co	$1203	$204
Grange	$1212	$203
Progressive	$1292	$218
Pioneer State Mutual Ins Co	$1461	$243
USAA	$1577	$266
Travelers	$1791	$299
Auto-Owners	$2709	$456
Westfield	$2949	$497
AAA	$3047	$513
Bristol West	$4170	$695
Farmers	$4277	$720
Farm Bureau	$5061	$843
State Farm	$6371	$1073
Allstate	$14042	$2340

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 Westland are offered by Westfield at $392. However, it can be as expensive as $17723 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Westland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$392	$66
Chubb	$455	$75
Encompass	$482	$83
Travelers	$588	$98
Auto-Owners Insurance Co	$624	$107
Farm Bureau Ins of MI	$891	$149
USAA	$927	$158
Grange	$945	$158
Auto-Owners	$1301	$221
Progressive	$1907	$321
AAA	$1934	$329
Farm Bureau	$1943	$324
Allstate	$3519	$599
State Farm	$5907	$984
Farmers	$17723	$3014

Car Insurance Price Trends in Westland, Michigan

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

The average cost of full coverage in the Westland dipped by $402 in December compared to $413 of November. In other words, there has been an decrease by $11 when you compare December and November.

The average cost of liability insurance in the Westland rose to $134 in December, compared to $123 in November. This represents an increase of $11 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Westland?

The car insurance in Westland is $53 per month, which is lower than the national average.

What is the cheapest car insurance in Westland?

The cheapest car insurance in Westland is $125 per month for full coverage.

How much is car insurance in Westland for teenagers?

Car insurance for teenagers costs $366 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 Westland?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $303 per month to insure your car in Westland.

Is car insurance expensive in Westland?

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

Cheapest Car Insurance Quotes in Westland

Why you can trust Way?

How Much Is Car Insurance in Westland

Avg. Car Insurance in Westland

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Westland

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Westland Car Insurance Rates by Company

Cheap Car Insurance Companies in Westland, MI

Way's key takeaways about car insurance in Westland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Westland

Cheapest Liability Coverage in Westland, MI

Cheapest Full Coverage Car Insurance in Westland

Cheapest Full Coverage Car Insurance Quotes in Westland, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Westland by Rating Factor

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

Car Insurance Premiums by Age in Westland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Westland,MI

If you are in your twenties Chubb is the best choice for car insurance in Westland.

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 Westland

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

Westland Car Insurance Rates by Violation

Westland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Westland after a DUI

Westland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Westland after Speeding ticket

Car Insurance Price Trends in Westland, Michigan

Average Car Insurance Cost in Westland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Westland, MI

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

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