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Get Cheap Car Insurance in Romulus, MI
We monitor insurance prices, helping the average driver in Romulus save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Romulus
The chart below shows the cheapest car insurance company in Romulus for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by Progressive, State Farm, and Safeco Insurance.
| Romulus Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $121 |
| Progressive | $139 |
| State Farm | $140 |
| Safeco Insurance | $148 |
Savings for Every Kind of Romulus Driver
Based on our extensive insurance data, we know the average Romulus driver will save about 40% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $1,316 per year by choosing the right vehicle insurance company. Some Romulus residents are paying out over $3,275 extra every year for auto insurance in Romulus. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Romulus, MI Savings / Yr. |
|---|---|
$1,316 |
|
$2,149 |
|
$1,902 |
|
$2,890 |
|
$3,410 |
|
$0 |
|
$0 |
Romulus Car Insurance vs. Michigan
People living in Romulus pay an average of 12.98% more than the typical driver in the state. The average driver in Romulus can expect to pay about $2,488 per year, or $3,275 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Romulus for most people.
Car Insurance Prices by Romulus Neighborhood
Insurance Prices
Where is insurance cheapest within Romulus?
The map shows insurance prices in and around Romulus, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $841 per year within the city boundaries, with insurance premiums ranging from a high of $3,642 to a low of $2,801. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northeast parts of Romulus.Pick the Best Car Insurance Company for You in Romulus
The best car insurance provider for most drivers in Romulus
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,316 over the average Romulus car insurance company.
The best car insurance provider for Romulus drivers with accidents on their records
In our analysis, Auto-Owners Insurance saved the average person who had been in an accident the most, with annual savings averaging $2,149 over the competition.
The best car insurance company for Romulus drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,902 better than other car insurance companies.
The best auto insurance for Romulus drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,890 less each year.
The least expensive car insurance company for new and young drivers in Romulus
In Romulus, Geico costs young drivers $3,410 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Romulus
The cheapest car insurance in Romulus for drivers with bad credit
The best Romulus car insurance company for customer service
Recent price drops
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The cheapest large national provider in Romulus
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Romulus driver can expect to pay about $163 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Romulus, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, and drivers with a DUI conviction.Auto Insurance Prices in and Around Romulus
What Influences the Cost of Car Insurance in Romulus?
On average, car insurance in Romulus is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Romulus is 31 minutes, which is about the national average for a driver in the state.
- Michigan state insurance regulations may require higher prices.
- An average of 7 to 8 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Romulus has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Romulus is $207 per month for minimum coverage and $273 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Taylor: Insurance costs 5.40% less
- Wayne: Insurance costs 3.57% less
- New Boston: Insurance costs 11.02% less
- Inkster: Insurance costs 12.95% more
- Belleville: Insurance costs 6.20% less
- Westland: Insurance costs 2.05% less
- Woodhaven: Insurance costs 10.35% less
- Allen Park: Insurance costs 7.08% less
- Southgate: Insurance costs 6.11% less
- Flat Rock: Insurance costs 9.37% less
Cities with Similar Populations
- Anthem: Insurance costs 42.44% less
- Burlington: Insurance costs 41.16% less
- Brooklyn Center: Insurance costs 41.13% less
- Bethel Park: Insurance costs 57.50% less
- Bell: Insurance costs 25.89% less
- Baldwinsville: Insurance costs 35.11% less
- Atascadero: Insurance costs 41.50% less
- Ashland: Insurance costs 35.69% less
- Saratoga: Insurance costs 37.62% less
- Rockford: Insurance costs 16.98% less