Car Insurance Rates in Bay City – October 2025
The auto insurance rates featured in this guide are derived from research conducted by Way.com’s data team. By utilizing a combination of public and internal data sources, we analyzed millions of average rates from U.S. ZIP codes. These figures come from insurer filings and should be regarded as comparative data only.
– Travelers offers the lowest liability coverage at $31 per month in Bay City.
– For full coverage insurance, Travelers also presents the most affordable option at $92 per month.
Continue reading to discover more about trends in car insurance rates in Bay City. Additional data on car insurance rates can be found in the complete article on Way.com.
Affordable Liability Insurance in Bay City
Drivers aiming to fulfill Bay City’s minimum auto insurance requirements will find liability-only coverage to be the most economical option.
Top Choices for Liability Insurance
#1. Travelers: $31
#2. Westfield: $33
#3. USAA: $38
#4. Encompass: $42
#5. Auto-Owners Insurance Co: $48
Affordable Full Coverage in Bay City
Full coverage includes liability, comprehensive, and collision insurance, offering more extensive protection than liability alone, which only covers damages or injuries to others.
Top Choices for Full Coverage Insurance
#1. Travelers: $92
#2. Encompass: $101
#3. Auto-Owners Insurance Co: $104
#4. Chubb: $109
#5. Hastings Mutual: $121
How Traffic Violations Affect Insurance Rates in Bay City
In Bay City, traffic violations can lead to significant increases in car insurance premiums. The magnitude of the increase depends on factors such as the type of violation, local laws, and the insurer’s guidelines. Minor infractions, like speeding, may result in a slight hike, whereas major offenses, such as DUIs, can dramatically elevate rates. Furthermore, the impact on premiums in Bay City may vary from the national average due to local risks and regulations.
Average Auto Insurance Rates Post Violation
– No violation: $182
– Not-at-fault accident: $194
– Failure to wear a seatbelt: $217
– Speeding 6 – 10 MPH over limit: $232
– Speeding 21 – 25 MPH over limit: $269
– DUI: $520
– Reckless driving: $491
– Driving with a suspended license: $370
– Leaving the scene of an accident/hit and run: $503
This article was produced by Way and reviewed by Stacker.
