Car insurance rates in Bay City October 2025
The auto insurance rates published in this guide are based on the results of research completed by Way.com'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.
- Travelers provides the cheapest liability coverage at $31 per month in Bay City.
- Travelers offers the cheapest rates for full coverage insurance in Bay City at $92 per month.
Read on to learn more about car insurance price trends in Bay City. More car insurance rate data is available in the original article at Way.com.
Cheapest liability insurance in Bay City
For drivers looking to meet Bay City minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.
Cheapest liability insurance in Bay City
#1. Travelers: $31
#2. Westfield: $33
#3. USAA: $38
#4. Encompass: $42
#5. Auto-Owners Insurance Co: $48
Cheap full coverage in Bay City
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.
Cheapest full coverage insurance in Bay City
#1. Travelers: $92
#2. Encompass: $101
#3. Auto-Owners Insurance Co: $104
#4. Chubb: $109
#5. Hastings Mutual: $121
Impact of traffic violations on Bay City auto insurance rates
In Bay City, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Bay City may differ from the national average due to regional risks and rules.
Here's a breakdown of average auto insurance rates in Bay City after common driving violations.
- No violation: $182
- Not-at-fault accident: $194
- Failure to wear a seat belt: $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 scene of an accident/hit and run: $503
