Cheapest Car Insurance Quotes in Woodhaven

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Woodhaven Car Insurance

^$ 48

/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 Woodhaven

The car insurance rate in Woodhaven is $1648 for a six-month policy, which is $445 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $675, making it a popular choice for budget-conscious drivers. Rates in Woodhaven 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 Woodhaven

$1648

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Woodhaven

1st place: Travelers

At $675 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $847 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $936 for six months, making it the third cheapest auto insurance company in Woodhaven.

Woodhaven Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Woodhaven, MI is Travelers, offering policies at just $675 for a six-month term. This is followed by USAA, which has an average six-month premium of $847.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1115 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Woodhaven drivers find the best deals.

Cheap Car Insurance Companies in Woodhaven, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$675	$114
USAA	$847	$142
Encompass	$936	$156
Auto-Owners Insurance Co	$960	$163
Chubb	$1010	$169
Auto-Owners	$1132	$190
AAA	$1155	$195
Farm Bureau Ins of MI	$1188	$201
Pioneer State Mutual Ins Co	$1293	$215
Progressive	$1293	$218
Westfield	$1611	$271
Farm Bureau	$1815	$308
State Farm	$2311	$389
Allstate	$2466	$419
Bristol West	$3214	$536
Farmers	$4996	$849
Hastings Mutual	$1115	$186

Key Takeaways

Way's key takeaways about car insurance in Woodhaven

The auto insurance costs in Woodhaven fall around $675 for six months.
The cheapest auto insurance company in Woodhaven is Travelers.
Teen drivers pay the highest rate in Woodhaven at $1323 per month.

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Cheapest Minimum Liability Car Insurance in Woodhaven

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 Woodhaven are given below.

Travelers provides the cheapest minimum car insurance coverage in Woodhaven. Their Average 6 Month Premium is $285. Hastings Mutual is the most expensive at $488 for the same period.

Cheapest Liability Coverage in Woodhaven, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$285	$48
Westfield	$301	$51
USAA	$382	$64
Encompass	$390	$66
Chubb	$415	$69
Auto-Owners Insurance Co	$448	$77
Auto-Owners	$529	$89
Farm Bureau Ins of MI	$578	$99
Progressive	$595	$100
AAA	$708	$121
Farm Bureau	$895	$149
Allstate	$1049	$178
Bristol West	$1343	$223
State Farm	$1440	$242
Farmers	$2596	$433
Hastings Mutual	$488	$81

Cheapest Full Coverage Car Insurance in Woodhaven

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 Woodhaven is Travelers at $114 per month and $675 for six months.

Cheapest Full Coverage Car Insurance Quotes in Woodhaven, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$675	$114
USAA	$847	$142
Encompass	$936	$156
Auto-Owners Insurance Co	$960	$163
Chubb	$1010	$169
Auto-Owners	$1132	$190
AAA	$1155	$195
Farm Bureau Ins of MI	$1188	$201
Pioneer State Mutual Ins Co	$1293	$215
Progressive	$1293	$218
Westfield	$1611	$271
Farm Bureau	$1815	$308
State Farm	$2311	$389
Allstate	$2466	$419
Bristol West	$3214	$536
Farmers	$4996	$849
Hastings Mutual	$1115	$186

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Average Car Insurance in Woodhaven 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 Woodhaven, MI increasing?

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

Car Insurance Premiums by Age in Woodhaven

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	$382
30s	USAA	$290
40s	USAA	$278
50s	USAA	$267
60s	Chubb	$244
70s	Chubb	$267

Cheapest Car Insurance Rates for Teen Drivers in Woodhaven,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Woodhaven at $56 per month. At $7942 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$334	$56
Westfield	$358	$60
Encompass	$390	$66
Chubb	$464	$79
Auto-Owners Insurance Co	$488	$81
Grange	$634	$108
USAA	$1286	$216
Auto-Owners	$1539	$259
AAA	$2051	$345
Farm Bureau	$2954	$503
Progressive	$3166	$533
Allstate	$5339	$908
State Farm	$5477	$912
Farmers	$22916	$3896
Bristol West	$7942	$1323

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 Woodhaven.

As young drivers face the highest rates in Woodhaven, Chubb offers the cheapest auto insurance rates at $382 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 Woodhaven, Travelers is the cheapest car insurance provider. At $545 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 Woodhaven is Farm Bureau Ins of MI, offering rates of around $1725 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$545	$93
Encompass	$562	$93
Progressive	$789	$134
Westfield	$830	$138
Auto-Owners Insurance Co	$880	$149
Pioneer State Mutual Ins Co	$1074	$179
Grange	$1359	$232
Farm Bureau Ins of MI	$1725	$288

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Car Insurance Rates with An Accident in Woodhaven

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

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

The cheapest car insurance companies after an at-fault accident in Woodhaven include Chubb and Westfield, offering $415 and $440, respectively. Pioneer State is an expensive provider with an average six-month premium of $651.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$415	$71
Westfield	$440	$73
Auto-Owners Insurance Co	$512	$88
Encompass	$578	$96
Farm Bureau Ins of MI	$684	$116
Pioneer State Mutual Ins Co	$756	$126
Travelers	$806	$136
USAA	$1010	$170
Progressive	$1115	$188
Auto-Owners	$1245	$210
AAA	$1595	$269
Farm Bureau	$2222	$370
State Farm	$2530	$430
Allstate	$3931	$655
Farmers	$7023	$1195
Pioneer State	$651	$108

Woodhaven Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Woodhaven MI. For example, the car insurance in Woodhaven after a DUI increases to $3288 for a six month policy. While the rate increases by $1791 for a six-month policy in the case of a speeding ticket.

Woodhaven auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1791	$299
Failure to wear a seat belt	$2124	$362
Cell phone violation	$2254	$375
Texting while driving	$2254	$384
Illegal turn	$2262	$377
Wrong way/wrong lane	$2262	$385
Speeding in school zone	$2295	$382
Driving with expired registration	$2311	$393
Failure to stop at a red light	$2336	$389
Improper passing	$2336	$397
Speeding 16 - 20 MPH over limit	$2596	$433
Open container	$3059	$521
Driving with a suspended license	$3426	$571
Racing	$4418	$751
Reckless driving	$4802	$800
Leaving scene of an accident/hit and run	$4924	$837
DUI	$5079	$847

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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 Woodhaven 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 Woodhaven.

The cheapest car insurance premiums in Woodhaven are offered by Chubb at $415 for a six-month policy. However, it can be as expensive as $12825 with companies like Allstate.

Woodhaven car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$415	$69
Auto-Owners Insurance Co	$1099	$186
Grange	$1107	$185
Progressive	$1180	$199
Pioneer State Mutual Ins Co	$1334	$222
USAA	$1440	$242
Travelers	$1636	$273
Auto-Owners	$2474	$416
Westfield	$2693	$453
AAA	$2782	$469
Bristol West	$3809	$634
Farmers	$3906	$658
Farm Bureau	$4622	$770
State Farm	$5818	$980
Allstate	$12825	$2137

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 Woodhaven are offered by Westfield at $358. However, it can be as expensive as $16187 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Woodhaven after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$358	$60
Chubb	$415	$69
Encompass	$440	$75
Travelers	$537	$89
Auto-Owners Insurance Co	$570	$97
Farm Bureau Ins of MI	$814	$136
USAA	$847	$144
Grange	$863	$144
Auto-Owners	$1188	$201
Progressive	$1741	$293
AAA	$1766	$300
Farm Bureau	$1774	$296
Allstate	$3214	$547
State Farm	$5395	$899
Farmers	$16187	$2752

Car Insurance Price Trends in Woodhaven, Michigan

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

The average cost of full coverage in the Woodhaven dipped by $367 in December compared to $377 of November. In other words, there has been an decrease by $10 when you compare December and November.

The average cost of liability insurance in the Woodhaven rose to $122 in December, compared to $112 in November. This represents an increase of $10 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Woodhaven?

The car insurance in Woodhaven is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Woodhaven?

The cheapest car insurance in Woodhaven is $114 per month for full coverage.

How much is car insurance in Woodhaven for teenagers?

Car insurance for teenagers costs $334 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 Woodhaven?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $277 per month to insure your car in Woodhaven.

Is car insurance expensive in Woodhaven?

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

Cheapest Car Insurance Quotes in Woodhaven

Why you can trust Way?

How Much Is Car Insurance in Woodhaven

Avg. Car Insurance in Woodhaven

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Woodhaven

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Woodhaven Car Insurance Rates by Company

Cheap Car Insurance Companies in Woodhaven, MI

Way's key takeaways about car insurance in Woodhaven

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Woodhaven

Cheapest Liability Coverage in Woodhaven, MI

Cheapest Full Coverage Car Insurance in Woodhaven

Cheapest Full Coverage Car Insurance Quotes in Woodhaven, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Woodhaven by Rating Factor

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

Car Insurance Premiums by Age in Woodhaven

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Woodhaven,MI

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

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 Woodhaven

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

Woodhaven Car Insurance Rates by Violation

Woodhaven auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Woodhaven after a DUI

Woodhaven car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Woodhaven after Speeding ticket

Car Insurance Price Trends in Woodhaven, Michigan

Average Car Insurance Cost in Woodhaven by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Woodhaven, MI

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

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