Best Cheap Auto Insurance in Romulus, MI (2021)

The average Romulus, MI auto insurance rates are $1,181 per month. The minimum auto insurance in Romulus is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Romulus, Michigan, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Romulus for teen drivers is Allstate
  • The cheapest auto insurance company in Romulus is USAA
  • Average auto insurance rates in Romulus, MI for senior drivers are $9,569 per year

Romulus, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Romulus can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Romulus, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Romulus to other Michigan cities, including Lansing auto insurance rates, Grand Rapids auto insurance rates, and Ann Arbor auto insurance rates to see how Romulus, Michigan auto insurance rates stack up.

Before you buy Romulus, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Romulus, Michigan auto insurance quotes.

Minimum Auto Insurance in Romulus, Michigan

Romulus, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Romulus, Michigan.

Minimum Required Auto Insurance Coverage in Romulus, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Romulus, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Romulus, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Romulus, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $26,183 $26,183 $24,683 $24,683 $59,284 $59,284 $27,465 $27,465
Farmers $13,554 $13,554 $12,558 $12,558 $29,573 $29,573 $15,330 $15,330
GEICO $5,963 $5,963 $6,073 $6,073 $15,347 $15,347 $5,658 $5,658
Liberty Mutual $16,586 $16,586 $16,426 $16,426 $38,533 $38,533 $16,586 $16,586
Nationwide $5,324 $5,324 $4,716 $4,716 $14,040 $14,040 $5,839 $5,839
Progressive $4,190 $3,803 $3,680 $4,227 $14,939 $15,525 $4,858 $4,280
State Farm $9,461 $9,461 $8,833 $8,833 $33,827 $33,827 $11,119 $11,119
Travelers $7,464 $7,464 $6,400 $6,400 $22,645 $22,645 $8,116 $8,116
USAA $2,713 $2,567 $2,552 $2,406 $6,712 $6,378 $3,313 $3,175

Cheap Romulus, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Romulus, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Romulus, Michigan.

Annual Auto Insurance Rates for Teen Drivers in Romulus, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $59,284 $59,284
Farmers $29,573 $29,573
GEICO $15,347 $15,347
Liberty Mutual $38,533 $38,533
Nationwide $14,040 $14,040
Progressive $14,939 $15,525
State Farm $33,827 $33,827
Travelers $22,645 $22,645
USAA $6,712 $6,378

Cheap Romulus, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in Romulus, Michigan? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Romulus, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $24,683 $24,683
Farmers $12,558 $12,558
GEICO $6,073 $6,073
Liberty Mutual $16,426 $16,426
Nationwide $4,716 $4,716
Progressive $3,680 $4,227
State Farm $8,833 $8,833
Travelers $6,400 $6,400
USAA $2,552 $2,406

Cheap Romulus, Michigan Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Romulus, Michigan compared to the annual auto insurance rates with a clean record in Romulus, Michigan.

Annual Romulus, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $16,401 $22,281 $75,769 $23,164
Farmers $14,788 $19,115 $18,808 $18,305
GEICO $2,915 $6,132 $18,634 $5,360
Liberty Mutual $15,051 $18,440 $35,147 $19,493
Nationwide $6,382 $8,541 $7,786 $7,210
Progressive $5,795 $7,774 $6,977 $7,206
State Farm $9,932 $11,977 $26,288 $15,043
Travelers $7,561 $10,789 $17,326 $8,948
USAA $2,994 $3,743 $4,905 $3,265

Cheap Romulus, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Romulus, Michigan is not easy. Compare the annual rates for DUI auto insurance in Romulus, Michigan to find the best deal.

Annual Auto Insurance Rates After a DUI in Romulus, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $75,769
Farmers $18,808
GEICO $18,634
Liberty Mutual $35,147
Nationwide $7,786
Progressive $6,977
State Farm $26,288
Travelers $17,326
USAA $4,905

Cheap Romulus, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Romulus, Michigan annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Romulus, Michigan

Insurance Company Poor Fair Good
Allstate $53,150 $28,981 $21,080
Farmers $26,639 $13,829 $12,794
GEICO $10,646 $7,803 $6,332
Liberty Mutual $34,862 $20,128 $11,108
Nationwide $9,421 $7,044 $5,973
Progressive $8,101 $6,735 $5,979
State Farm $25,686 $12,963 $8,782
Travelers $11,437 $11,087 $10,945
USAA $5,581 $3,180 $2,420

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Cheap Romulus, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Romulus, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Romulus, Michigan to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Romulus, Michigan

ZIP Code Average Annual Rates
48174 $9,886

Cheap Romulus, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect Romulus, Michigan auto insurance. Find the cheapest annual Romulus, Michigan auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Romulus, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $34,404 $34,404
Farmers $17,754 $17,754
GEICO $8,069 $8,452
Liberty Mutual $21,287 $22,779
Nationwide $7,480 $7,480
Progressive $6,938 $6,938
State Farm $15,367 $16,253
Travelers $11,092 $11,221
USAA $3,684 $3,769

Cheap Romulus, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Romulus, Michigan? Check out the comparison of annual Romulus, Michigan auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Romulus, Michigan

Insurance Company Low Medium High
Allstate $33,711 $34,465 $35,035
Farmers $17,199 $17,704 $18,359
GEICO $7,733 $8,182 $8,866
Liberty Mutual $21,535 $21,985 $22,579
Nationwide $7,809 $7,358 $7,272
Progressive $6,719 $6,945 $7,150
State Farm $14,922 $15,919 $16,589
Travelers $11,055 $11,166 $11,247
USAA $3,613 $3,736 $3,831

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Best By Category: Cheapest Auto Insurance in Romulus, Michigan

Compare the cheapest auto insurance companies in Romulus, Michigan in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Romulus, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Romulus, Michigan Auto Insurance Companies

What auto insurance companies in Romulus, Michigan are the cheapest? Compare the top Romulus, Michigan auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Romulus, Michigan

Insurance Company Average Annual Rates
Allstate $34,404
Farmers $17,754
GEICO $8,260
Liberty Mutual $22,033
Nationwide $7,480
Progressive $6,938
State Farm $15,810
Travelers $11,156
USAA $3,727

What affects auto insurance rates in Romulus, Michigan?

There are a lot of reasons why auto insurance rates in Romulus, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Romulus, Michigan. Many local factors may affect your Romulus auto insurance rates.

Romulus Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Romulus, Michigan auto theft statistics, there have been 67 auto thefts in the city.

Romulus Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Romulus, Michigan commute length is 24.8 minutes according to City-Data.

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Compare Romulus, Michigan Auto Insurance Quotes

Before you buy Romulus, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Romulus, Michigan auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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