Compare Saginaw, MI Car Insurance Rates [2024]
Car insurance in Saginaw, MI averages $894 a month. Saginaw, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Saginaw car insurance rates, compare quotes from the top car insurance companies in Saginaw, MI.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Saginaw for teen drivers is USAA
- Average car insurance rates in Saginaw, MI are $10,733/year
- Average car insurance rates in Saginaw, MI after a DUI are $17,398/year
If you need to buy Saginaw, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Saginaw, MI is right here.
You’ll find Saginaw car insurance rates, the cheapest Saginaw, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Saginaw, Michigan car insurance rates to Lansing car insurance rates, Ann Arbor car insurance rates, and Flint car insurance rates.
Ready to find affordable Saginaw, MI car insurance today? Enter your ZIP code for fast, free Saginaw car insurance quotes.
Cheapest Saginaw, MI Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Saginaw, MI car insurance rates? Every Saginaw, Michigan car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $15,257 | $15,257 | $14,164 | $14,164 | $37,967 | $37,967 | $16,076 | $16,076 |
| Farmers | $9,230 | $9,230 | $8,570 | $8,570 | $20,123 | $20,123 | $10,436 | $10,436 |
| Geico | $3,658 | $3,658 | $3,751 | $3,751 | $10,332 | $10,332 | $3,498 | $3,498 |
| Liberty Mutual | $13,903 | $13,903 | $13,769 | $13,769 | $32,287 | $32,287 | $13,903 | $13,903 |
| Nationwide | $4,395 | $4,395 | $3,913 | $3,913 | $11,679 | $11,679 | $4,824 | $4,824 |
| Progressive | $3,004 | $2,776 | $2,660 | $2,977 | $11,152 | $11,864 | $3,488 | $3,199 |
| State Farm | $9,395 | $9,395 | $8,782 | $8,782 | $33,889 | $33,889 | $11,057 | $11,057 |
| Travelers | $6,002 | $6,002 | $5,154 | $5,154 | $18,106 | $18,106 | $6,521 | $6,521 |
| USAA | $2,778 | $2,618 | $2,615 | $2,459 | $6,839 | $6,468 | $3,381 | $3,225 |
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Minimum Car Insurance in Saginaw, MI
Every driver must carry the minimum car insurance required by the state in Saginaw, MI. Take a look at the Michigan car insurance requirements.
| 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 |
Cheapest Saginaw, MI Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Saginaw, MI. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Saginaw from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $31,665 | $17,528 | $13,406 |
| Farmers | $17,896 | $9,546 | $8,828 |
| Geico | $6,822 | $5,020 | $4,087 |
| Liberty Mutual | $29,198 | $16,872 | $9,326 |
| Nationwide | $7,774 | $5,859 | $4,975 |
| Progressive | $5,923 | $4,996 | $4,501 |
| State Farm | $25,651 | $12,935 | $8,756 |
| Travelers | $9,168 | $8,891 | $8,778 |
| USAA | $5,689 | $3,244 | $2,461 |
Cheapest Saginaw, MI Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Saginaw, MI to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $10,160 | $13,571 | $45,513 | $14,221 |
| Farmers | $10,077 | $13,005 | $12,802 | $12,475 |
| Geico | $1,854 | $3,955 | $11,987 | $3,442 |
| Liberty Mutual | $12,627 | $15,471 | $29,407 | $16,357 |
| Nationwide | $5,302 | $7,103 | $6,434 | $5,971 |
| Progressive | $4,355 | $5,733 | $5,143 | $5,328 |
| State Farm | $9,849 | $11,912 | $26,355 | $15,007 |
| Travelers | $6,047 | $8,643 | $13,939 | $7,153 |
| USAA | $3,051 | $3,817 | $4,998 | $3,326 |
Cheapest Saginaw, MI Car Insurance for Teen Drivers
Teen car insurance in Saginaw, MI can be expensive. Take a look at rates from the top car insurance companies in Saginaw for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $37,967 | $37,967 |
| Farmers | $20,123 | $20,123 |
| Geico | $10,332 | $10,332 |
| Liberty Mutual | $32,287 | $32,287 |
| Nationwide | $11,679 | $11,679 |
| Progressive | $11,152 | $11,864 |
| State Farm | $33,889 | $33,889 |
| Travelers | $18,106 | $18,106 |
| USAA | $6,839 | $6,468 |
Cheapest Saginaw, MI Car Insurance for Seniors
Take a look at Saginaw, MI rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $14,164 | $14,164 |
| Farmers | $8,570 | $8,570 |
| Geico | $3,751 | $3,751 |
| Liberty Mutual | $13,769 | $13,769 |
| Nationwide | $3,913 | $3,913 |
| Progressive | $2,660 | $2,977 |
| State Farm | $8,782 | $8,782 |
| Travelers | $5,154 | $5,154 |
| USAA | $2,615 | $2,459 |
Cheapest Saginaw, MI Car Insurance Rates After a DUI
A DUI in Saginaw, MI increases car insurance rates. Compare Saginaw, Michigan car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $45,513 |
| Farmers | $12,802 |
| Geico | $11,987 |
| Liberty Mutual | $29,407 |
| Nationwide | $6,434 |
| Progressive | $5,143 |
| State Farm | $26,355 |
| Travelers | $13,939 |
| USAA | $4,998 |
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Cheapest Saginaw, MI Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Saginaw, MI by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $20,866 | $20,866 |
| Farmers | $12,090 | $12,090 |
| Geico | $5,191 | $5,428 |
| Liberty Mutual | $17,841 | $19,090 |
| Nationwide | $6,203 | $6,203 |
| Progressive | $5,140 | $5,140 |
| State Farm | $15,341 | $16,220 |
| Travelers | $8,894 | $8,997 |
| USAA | $3,754 | $3,842 |
Cheapest Saginaw, MI Car Insurance Rates by ZIP Code
Saginaw car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Saginaw, MI.
| ZIP Code | Average Annual Rates |
|---|---|
| 48602 | $7,927 |
| 48604 | $6,646 |
| 48607 | $8,604 |
| 48609 | $7,020 |
| 48603 | $6,378 |
| 48638 | $6,512 |
The Best Cheap Car Insurance Companies in Saginaw, MI
Take a look at a side-by-side comparison of the top car insurance companies in Saginaw, MI to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $20,866 |
| Farmers | $12,090 |
| Geico | $5,310 |
| Liberty Mutual | $18,466 |
| Nationwide | $6,203 |
| Progressive | $5,140 |
| State Farm | $15,781 |
| Travelers | $8,946 |
| USAA | $3,798 |
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Category Winners: Cheapest Car Insurance in Saginaw, Michigan
Find the cheapest car insurance companies in Saginaw, MI for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Cheapest Saginaw, MI Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Saginaw car insurance rates. Find the cheapest Saginaw, MI car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $20,343 | $20,913 | $21,343 |
| Farmers | $11,728 | $12,057 | $12,485 |
| Geico | $4,986 | $5,266 | $5,677 |
| Liberty Mutual | $18,030 | $18,422 | $18,944 |
| Nationwide | $6,495 | $6,097 | $6,016 |
| Progressive | $4,984 | $5,146 | $5,291 |
| State Farm | $14,907 | $15,889 | $16,546 |
| Travelers | $8,851 | $8,958 | $9,028 |
| USAA | $3,683 | $3,808 | $3,904 |
What affects car insurance rates in Saginaw, Michigan?
What are the factors that affect car insurance rates in Saginaw, MI? There are several reasons why Saginaw car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Saginaw, Michigan.
Car Theft in Saginaw
High levels of vehicle theft can make car insurance more expensive. Saginaw, MI car theft statistics from the FBI indicate 90 vehicle thefts a year.
Commute Time in Saginaw
The more time you spend in your car the higher the risk of an accident. The average commute length in Saginaw, MI is 18.7 minutes according to City-Data.
Traffic in Saginaw
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Saginaw, MI traffic data from INRIX ranks Saginaw as the 939th-most congested in the world.
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Compare Car Insurance Quotes in Saginaw, MI
Ready to find affordable Saginaw, Michigan car insurance today? Enter your ZIP code for fast, free Saginaw, MI car insurance quotes.
Frequently Asked Questions
What is the average monthly car insurance rate in Saginaw, MI?
The average monthly car insurance rate in Saginaw, MI is $894.
What are the car insurance requirements in Saginaw, MI?
The car insurance requirements in Saginaw, MI are 20/40/10, which means you must have at least $20,000 in bodily injury liability coverage per person, $40,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage.
Do I need full coverage insurance if my car is financed?
If your car is financed, it is likely that you will need full coverage insurance. It’s best to check with your lender to determine their specific requirements.
How do age, gender, and marital status affect car insurance rates in Saginaw, MI?
Age, gender, and marital status can affect car insurance rates differently for each insurance company. It’s best to compare rates from different insurers to see how they weigh these factors.
What are the minimum car insurance coverage limits required in Saginaw, MI?
The minimum car insurance coverage limits required in Saginaw, MI are $20,000 for bodily injury liability coverage per person, $40,000 for bodily injury liability coverage per accident, and $10,000 for property damage liability coverage.
How does credit score affect car insurance rates in Saginaw, MI?
Your credit score can impact car insurance costs in Saginaw, MI. Generally, having a good credit score may make you eligible for a good credit discount. It’s recommended to compare rates from different companies based on your credit history.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.