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Finding the cheapest car insurance quotes in Williamsburg 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 Williamsburg
The car insurance rate in Williamsburg is $1071 for a six-month policy, which is $132 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $439, making it a popular choice for budget-conscious drivers. Rates in Williamsburg 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 $439 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $550 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Encompass
Encompass offers auto insurance
rates at $608
for six months, making it
the third cheapest auto insurance company in Williamsburg.
Williamsburg Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Williamsburg, MI is Travelers, offering policies at just $439 for a six-month term. This is followed by USAA, which has an average six-month premium of $550.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $724 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Williamsburg drivers find the best deals.
Way's key takeaways about car insurance in Williamsburg
The auto insurance costs in Williamsburg fall around $439 for six
months.
The cheapest auto insurance company in Williamsburg is Travelers.
Teen drivers pay the highest rate in Williamsburg at $860 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 Williamsburg
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 Williamsburg are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Williamsburg. Their Average 6 Month Premium is $185.
Hastings Mutual is the most
expensive at $317 for the same
period.
Cheapest Full Coverage Car Insurance in Williamsburg
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 Williamsburg is Travelers
at $74 per month and $439
for six months.
Cheapest Full Coverage Car Insurance Quotes in Williamsburg,
MI
Get Your Car Insurance Quote in Williamsburg
Instantly!
Average Car Insurance in Williamsburg 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 Williamsburg, MI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Williamsburg, 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, Williamsburg's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Williamsburg
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
$248
30s
USAA
$189
40s
USAA
$181
50s
USAA
$174
60s
Chubb
$158
70s
Chubb
$174
Cheapest Car Insurance Rates for Teen Drivers in
Williamsburg,MI
If you are planning to get a car insurance policy for your teenage
dependent, Travelers provides the cheapest car
insurance in the Williamsburg at $36
per
month. At $5159 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 Williamsburg.
As young drivers face the highest rates in Williamsburg, Chubb
offers the cheapest auto insurance rates at $248 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 Williamsburg,
Travelers is
the cheapest car insurance provider. At $354 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
Williamsburg is Farm Bureau Ins of MI, offering
rates of around $1121 for six
months.
Save up to $971/yr on car insurance rates in Williamsburg.
Car Insurance Rates with An Accident in Williamsburg
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 Williamsburg, MI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Williamsburg
The cheapest car insurance companies after an at-fault accident in
Williamsburg include Chubb
and Westfield, offering $270
and $286,
respectively. Pioneer State is an expensive provider
with an average six-month premium of
$423.
Here is a list of driving violations that can increase your car
insurance rates in Williamsburg MI. For example, the car
insurance in Williamsburg
after a DUI increases to $2136 for a six
month policy. While the rate increases by $1163 for a six-month policy in the case of
a speeding ticket.
Williamsburg auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1163
$194
Failure to wear a seat belt
$1380
$235
Cell phone violation
$1464
$244
Texting while driving
$1464
$249
Illegal turn
$1469
$245
Wrong way/wrong lane
$1469
$250
Speeding in school zone
$1491
$248
Driving with expired registration
$1501
$255
Failure to stop at a red light
$1517
$253
Improper passing
$1517
$258
Speeding 16 - 20 MPH over limit
$1687
$281
Open container
$1987
$338
Driving with a suspended license
$2226
$371
Racing
$2870
$488
Reckless driving
$3119
$520
Leaving scene of an accident/hit and run
$3199
$544
DUI
$3299
$550
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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 Williamsburg 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 Williamsburg.
The cheapest car insurance premiums in
Williamsburg are
offered by Chubb at $270 for a six-month policy.
However, it can be as
expensive as $8331 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 Williamsburg are offered by Westfield
at $232. However,
it can be as expensive as $10515
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Williamsburg after Speeding ticket
Car Insurance Price Trends in Williamsburg,
Michigan
Car insurance rates in Williamsburg have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Williamsburg dipped by
$239 in December
compared to $245 of November. In other words, there has been an decrease by $6 when you
compare December and November.
The average cost of liability insurance in the Williamsburg rose to $79 in December,
compared to $73 in November.
This represents an increase of $6
when comparing December and November.
Average Car Insurance Cost in Williamsburg 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
Williamsburg. At $2141 for a
six-month policy, insuring
your car at 49690 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 Williamsburg?
The car insurance in Williamsburg is $31 per month, which is lower than the national average.
What is the cheapest car insurance in Williamsburg?
The cheapest car insurance in Williamsburg
is $74 per month
for full coverage.
How much is car insurance in Williamsburg for teenagers?
Car insurance for teenagers costs $217 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
Williamsburg?
The average cost of car insurance is $1203 for a six-month
policy. It will cost around $180 per month to insure your
car in Williamsburg.
Is car insurance expensive in Williamsburg?
Car insurance can be expensive in Williamsburg if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Williamsburg can be
affordable.
What is the best car insurance in Williamsburg,
MI?
The best car insurance company in Williamsburg
MI is
Travelers, offering $439 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Williamsburg, MI
Car Insurance Rates by State in the USA (2025 Update)
Williamsburg Car Insurance
