Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Romulus, MI are $1,181/month
  • The cheapest car insurance company in Romulus after a DUI is USAA
  • The annual number of car thefts in Romulus is 67.

Average car insurance rates in Romulus, Michigan are $1,181 a month. But with a little research you can get a great deal from the top car insurance companies in Romulus, MI. Before you buy Romulus, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.

It may even be helpful to compare Romulus car insurance rates with Flint car insurance rates, Grand Rapids car insurance rates, or Livonia car insurance rates to make sure you’re getting the best Romulus, MI car insurance quotes available.

Need affordable Romulus, MI car insurance? Enter your ZIP code to compare Romulus car insurance quotes from multiple car insurance companies near you.

Romulus, MI Minimum Car Insurance Coverage

Romulus, Michigan law requires drivers carry a minimum of 20/40/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car 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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Romulus, MI Car Insurance Rates by Coverage Level

Some Romulus drivers can get by with the Michigan minimum coverage of 20/40/10. Other drivers may need more. See how much your Romulus, Michigan car insurance rates may be based on the coverage you need.

Annual Car 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

Romulus, MI Car Insurance Rates by Age, Gender, and Marital Status

Romulus, Michigan car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Romulus, MI car insurance, get quotes from multiple car insurance companies in the Romulus area and see how these criteria affect your rates.

Annual Car 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

Romulus, MI Car Insurance Rates for Teens

How much is Romulus, Michigan car insurance for teens? Compare rates from top Romulus car insurance companies below to help find the cheapest teen car insurance in Romulus, MI.

Annual Car 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

Romulus, MI Car Insurance Rates for Seniors

Before seniors buy Romulus, Michigan car insurance, they should make sure to shop around. Some Romulus, MI car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car 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

Romulus, MI Car Insurance Rates by Credit History

How does your credit history affect Romulus, MI car insurance rates? Review the numbers here to find out.

Annual Car 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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Romulus, MI Car Insurance Rates by Driver History

How does a single speeding ticket affect your Romulus, Michigan car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Romulus.

Annual Romulus, Michigan Car 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

Romulus, MI Car Insurance Rates With a DUI

Even a single DUI can increase your Romulus, MI car insurance rates. Compare rates below to see which Romulus car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Romulus, Michigan

Insurance Company Annual Car 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

Romulus, MI Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Romulus, MI car insurance rates may be. Let’s take a look at average car insurance rates from top Romulus companies based on commute time.

Annual Car Insurance Rates by Commute Length in Romulus, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Romulus, MI Cheapest Car Insurance Rates

How do the top Romulus, Michigan car insurance companies’ average rates stack up against the Romulus average monthly car insurance rates of $1,181? Take a look and see.

Best Annual Car 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

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Romulus, MI Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Romulus, Michigan car insurance companies to help you find one that best fits your needs.

Average Annual Car 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

Other Factors Affecting Romulus, MI Car Insurance Rates

Before you buy Romulus, Michigan car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Romulus, MI Car Theft Rates

The car theft rate in Romulus, MI will affect your car insurance rates. FBI data shows that the annual car theft rate for Romulus, Michigan is 67 stolen cars.

Romulus, MI Commute Time

How does your Romulus, MI commute time compare with the average driver? In Romulus, the average commute is 24.8 minutes.

Romulus, MI Car Insurance Quotes

Compare Romulus, MI car insurance quotes from multiple companies by entering your ZIP code now.