Cheapest Car Insurance Quotes in Wyandotte

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Wyandotte Car Insurance

^$ 50

/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 Wyandotte

The car insurance rate in Wyandotte is $1708 for a six-month policy, which is $505 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $700, making it a popular choice for budget-conscious drivers. Rates in Wyandotte 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 Wyandotte

$1708

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Wyandotte

1st place: Travelers

At $700 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $878 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $970 for six months, making it the third cheapest auto insurance company in Wyandotte.

Wyandotte Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wyandotte, MI is Travelers, offering policies at just $700 for a six-month term. This is followed by USAA, which has an average six-month premium of $878.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1156 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wyandotte drivers find the best deals.

Cheap Car Insurance Companies in Wyandotte, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$700	$118
USAA	$878	$148
Encompass	$970	$162
Auto-Owners Insurance Co	$995	$169
Chubb	$1047	$175
Auto-Owners	$1173	$197
AAA	$1197	$202
Farm Bureau Ins of MI	$1231	$209
Pioneer State Mutual Ins Co	$1340	$223
Progressive	$1340	$226
Westfield	$1670	$281
Farm Bureau	$1882	$320
State Farm	$2396	$403
Allstate	$2556	$435
Bristol West	$3331	$555
Farmers	$5179	$880
Hastings Mutual	$1156	$193

Key Takeaways

Way's key takeaways about car insurance in Wyandotte

The auto insurance costs in Wyandotte fall around $700 for six months.
The cheapest auto insurance company in Wyandotte is Travelers.
Teen drivers pay the highest rate in Wyandotte at $1372 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Wyandotte

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 Wyandotte are given below.

Travelers provides the cheapest minimum car insurance coverage in Wyandotte. Their Average 6 Month Premium is $295. Hastings Mutual is the most expensive at $506 for the same period.

Cheapest Liability Coverage in Wyandotte, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$295	$50
Westfield	$312	$53
USAA	$396	$67
Encompass	$405	$68
Chubb	$430	$71
Auto-Owners Insurance Co	$464	$80
Auto-Owners	$548	$92
Farm Bureau Ins of MI	$599	$102
Progressive	$616	$104
AAA	$734	$125
Farm Bureau	$927	$155
Allstate	$1088	$185
Bristol West	$1392	$231
State Farm	$1492	$251
Farmers	$2691	$449
Hastings Mutual	$506	$84

Cheapest Full Coverage Car Insurance in Wyandotte

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 Wyandotte is Travelers at $118 per month and $700 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wyandotte, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$700	$118
USAA	$878	$148
Encompass	$970	$162
Auto-Owners Insurance Co	$995	$169
Chubb	$1047	$175
Auto-Owners	$1173	$197
AAA	$1197	$202
Farm Bureau Ins of MI	$1231	$209
Pioneer State Mutual Ins Co	$1340	$223
Progressive	$1340	$226
Westfield	$1670	$281
Farm Bureau	$1882	$320
State Farm	$2396	$403
Allstate	$2556	$435
Bristol West	$3331	$555
Farmers	$5179	$880
Hastings Mutual	$1156	$193

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Average Car Insurance in Wyandotte 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 Wyandotte, MI increasing?

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

Car Insurance Premiums by Age in Wyandotte

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	$396
30s	USAA	$301
40s	USAA	$288
50s	USAA	$277
60s	Chubb	$253
70s	Chubb	$277

Cheapest Car Insurance Rates for Teen Drivers in Wyandotte,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Wyandotte at $58 per month. At $8232 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$346	$58
Westfield	$371	$62
Encompass	$405	$68
Chubb	$481	$82
Auto-Owners Insurance Co	$506	$84
Grange	$657	$112
USAA	$1333	$224
Auto-Owners	$1595	$268
AAA	$2126	$358
Farm Bureau	$3062	$521
Progressive	$3282	$552
Allstate	$5534	$941
State Farm	$5677	$946
Farmers	$23752	$4038
Bristol West	$8232	$1372

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 Wyandotte.

As young drivers face the highest rates in Wyandotte, Chubb offers the cheapest auto insurance rates at $396 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 Wyandotte, Travelers is the cheapest car insurance provider. At $565 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 Wyandotte is Farm Bureau Ins of MI, offering rates of around $1788 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$565	$97
Encompass	$582	$97
Progressive	$818	$139
Westfield	$861	$143
Auto-Owners Insurance Co	$912	$155
Pioneer State Mutual Ins Co	$1113	$186
Grange	$1409	$240
Farm Bureau Ins of MI	$1788	$298

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Wyandotte

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

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

The cheapest car insurance companies after an at-fault accident in Wyandotte include Chubb and Westfield, offering $430 and $456, respectively. Pioneer State is an expensive provider with an average six-month premium of $675.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$430	$74
Westfield	$456	$75
Auto-Owners Insurance Co	$531	$91
Encompass	$599	$99
Farm Bureau Ins of MI	$709	$121
Pioneer State Mutual Ins Co	$784	$131
Travelers	$835	$141
USAA	$1047	$176
Progressive	$1156	$195
Auto-Owners	$1291	$217
AAA	$1653	$278
Farm Bureau	$2303	$383
State Farm	$2623	$446
Allstate	$4074	$679
Farmers	$7279	$1238
Pioneer State	$675	$112

Wyandotte Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wyandotte MI. For example, the car insurance in Wyandotte after a DUI increases to $3408 for a six month policy. While the rate increases by $1856 for a six-month policy in the case of a speeding ticket.

Wyandotte auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1856	$310
Failure to wear a seat belt	$2201	$375
Cell phone violation	$2336	$389
Texting while driving	$2336	$398
Illegal turn	$2344	$391
Wrong way/wrong lane	$2344	$399
Speeding in school zone	$2379	$396
Driving with expired registration	$2396	$408
Failure to stop at a red light	$2421	$403
Improper passing	$2421	$412
Speeding 16 - 20 MPH over limit	$2691	$449
Open container	$3171	$540
Driving with a suspended license	$3551	$592
Racing	$4580	$778
Reckless driving	$4977	$829
Leaving scene of an accident/hit and run	$5103	$868
DUI	$5264	$878

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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 Wyandotte 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 Wyandotte.

The cheapest car insurance premiums in Wyandotte are offered by Chubb at $430 for a six-month policy. However, it can be as expensive as $13293 with companies like Allstate.

Wyandotte car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$430	$71
Auto-Owners Insurance Co	$1139	$193
Grange	$1147	$192
Progressive	$1223	$206
Pioneer State Mutual Ins Co	$1383	$230
USAA	$1492	$251
Travelers	$1695	$283
Auto-Owners	$2565	$432
Westfield	$2792	$470
AAA	$2884	$486
Bristol West	$3948	$657
Farmers	$4048	$682
Farm Bureau	$4791	$798
State Farm	$6031	$1015
Allstate	$13293	$2215

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 Wyandotte are offered by Westfield at $371. However, it can be as expensive as $16777 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Wyandotte after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$371	$62
Chubb	$430	$71
Encompass	$456	$78
Travelers	$557	$92
Auto-Owners Insurance Co	$591	$101
Farm Bureau Ins of MI	$843	$141
USAA	$878	$149
Grange	$895	$149
Auto-Owners	$1231	$209
Progressive	$1805	$304
AAA	$1830	$311
Farm Bureau	$1839	$307
Allstate	$3331	$567
State Farm	$5592	$932
Farmers	$16777	$2853

Car Insurance Price Trends in Wyandotte, Michigan

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

The average cost of full coverage in the Wyandotte dipped by $381 in December compared to $391 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 Wyandotte rose to $126 in December, compared to $116 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 Wyandotte?

The car insurance in Wyandotte is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Wyandotte?

The cheapest car insurance in Wyandotte is $118 per month for full coverage.

How much is car insurance in Wyandotte for teenagers?

Car insurance for teenagers costs $346 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 Wyandotte?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $287 per month to insure your car in Wyandotte.

Is car insurance expensive in Wyandotte?

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

Cheapest Car Insurance Quotes in Wyandotte

Why you can trust Way?

How Much Is Car Insurance in Wyandotte

Avg. Car Insurance in Wyandotte

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Wyandotte

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Wyandotte Car Insurance Rates by Company

Cheap Car Insurance Companies in Wyandotte, MI

Way's key takeaways about car insurance in Wyandotte

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wyandotte

Cheapest Liability Coverage in Wyandotte, MI

Cheapest Full Coverage Car Insurance in Wyandotte

Cheapest Full Coverage Car Insurance Quotes in Wyandotte, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wyandotte by Rating Factor

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

Car Insurance Premiums by Age in Wyandotte

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wyandotte,MI

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

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 Wyandotte

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

Wyandotte Car Insurance Rates by Violation

Wyandotte auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wyandotte after a DUI

Wyandotte car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wyandotte after Speeding ticket

Car Insurance Price Trends in Wyandotte, Michigan

Average Car Insurance Cost in Wyandotte by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wyandotte, MI

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

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Data Sources