Compare Algonac, MI Car Insurance Rates [2024]
Car insurance in Algonac, MI averages $895 a month. Algonac, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Algonac car insurance rates, compare quotes from the top car insurance companies in Algonac, MI.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Dec 31, 2023
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: Dec 31, 2023
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
- Average car insurance rates in Algonac, MI after a DUI are $17,964/year
- The cheapest car insurance company in Algonac for teen drivers is USAA
- Average car insurance rates in Algonac, MI are $10,746/year
If you need to buy Algonac, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Algonac, MI is right here.
You’ll find Algonac car insurance rates, the cheapest Algonac, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Algonac, Michigan car insurance rates to Lansing car insurance rates, Warren car insurance rates, and Livonia car insurance rates.
Ready to find affordable Algonac, MI car insurance today? Enter your ZIP code for fast, free Algonac car insurance quotes.
Cheapest Algonac, MI Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Algonac, MI car insurance rates? Every Algonac, 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 | $16,974 | $16,974 | $15,710 | $15,710 | $43,260 | $43,260 | $17,903 | $17,903 |
| Farmers | $4,341 | $4,341 | $4,038 | $4,038 | $10,341 | $10,341 | $4,888 | $4,888 |
| Geico | $4,249 | $4,249 | $4,371 | $4,371 | $12,096 | $12,096 | $4,058 | $4,058 |
| Liberty Mutual | $15,999 | $15,999 | $15,844 | $15,844 | $37,070 | $37,070 | $15,999 | $15,999 |
| Nationwide | $5,224 | $5,224 | $4,643 | $4,643 | $14,083 | $14,083 | $5,749 | $5,749 |
| Progressive | $3,153 | $2,922 | $2,798 | $3,112 | $12,083 | $12,954 | $3,676 | $3,402 |
| State Farm | $8,879 | $8,879 | $8,293 | $8,293 | $31,974 | $31,974 | $10,450 | $10,450 |
| Travelers | $5,580 | $5,580 | $4,791 | $4,791 | $16,837 | $16,837 | $6,061 | $6,061 |
| USAA | $2,745 | $2,592 | $2,582 | $2,430 | $6,817 | $6,468 | $3,349 | $3,203 |
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Minimum Car Insurance in Algonac, MI
Every driver must carry the minimum car insurance in Algonac, 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 Algonac, MI Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Algonac, MI. Compare credit history car insurance rates in Algonac from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $35,499 | $19,700 | $15,187 |
| Farmers | $7,678 | $5,205 | $4,822 |
| Geico | $7,968 | $5,854 | $4,760 |
| Liberty Mutual | $33,591 | $19,394 | $10,699 |
| Nationwide | $9,331 | $7,009 | $5,934 |
| Progressive | $6,330 | $5,362 | $4,846 |
| State Farm | $24,210 | $12,215 | $8,273 |
| Travelers | $8,523 | $8,267 | $8,163 |
| USAA | $5,654 | $3,220 | $2,446 |
Cheapest Algonac, MI Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Algonac, MI to rates for a clean record with top companies.
Read more: What are the DUI insurance laws in Michigan?
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $11,358 | $15,150 | $51,370 | $15,969 |
| Farmers | $4,955 | $6,335 | $6,242 | $6,075 |
| Geico | $2,131 | $4,607 | $14,041 | $3,996 |
| Liberty Mutual | $14,437 | $17,741 | $33,989 | $18,745 |
| Nationwide | $6,329 | $8,525 | $7,704 | $7,141 |
| Progressive | $4,673 | $6,153 | $5,514 | $5,710 |
| State Farm | $9,304 | $11,250 | $24,873 | $14,170 |
| Travelers | $5,616 | $8,033 | $12,980 | $6,641 |
| USAA | $3,031 | $3,793 | $4,964 | $3,305 |
Cheapest Algonac, MI Car Insurance for Teen Drivers
Teen car insurance in Algonac, MI can be expensive. Take a look at rates from the top car insurance companies in Algonac for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $43,260 | $43,260 |
| Farmers | $10,341 | $10,341 |
| Geico | $12,096 | $12,096 |
| Liberty Mutual | $37,070 | $37,070 |
| Nationwide | $14,083 | $14,083 |
| Progressive | $12,083 | $12,954 |
| State Farm | $31,974 | $31,974 |
| Travelers | $16,837 | $16,837 |
| USAA | $6,817 | $6,468 |
Cheapest Algonac, MI Car Insurance for Seniors
Take a look at Algonac, MI senior car insurance rates 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 | $15,710 | $15,710 |
| Farmers | $4,038 | $4,038 |
| Geico | $4,371 | $4,371 |
| Liberty Mutual | $15,844 | $15,844 |
| Nationwide | $4,643 | $4,643 |
| Progressive | $2,798 | $3,112 |
| State Farm | $8,293 | $8,293 |
| Travelers | $4,791 | $4,791 |
| USAA | $2,582 | $2,430 |
Cheapest Algonac, MI Car Insurance Rates After a DUI
A DUI in Algonac, MI increases car insurance rates. Compare Algonac, Michigan DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $51,370 |
| Farmers | $6,242 |
| Geico | $14,041 |
| Liberty Mutual | $33,989 |
| Nationwide | $7,704 |
| Progressive | $5,514 |
| State Farm | $24,873 |
| Travelers | $12,980 |
| USAA | $4,964 |
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Cheapest Algonac, MI Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Algonac, 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 | $23,462 | $23,462 |
| Farmers | $5,902 | $5,902 |
| Geico | $6,055 | $6,332 |
| Liberty Mutual | $20,512 | $21,944 |
| Nationwide | $7,425 | $7,425 |
| Progressive | $5,512 | $5,512 |
| State Farm | $14,488 | $15,311 |
| Travelers | $8,270 | $8,365 |
| USAA | $3,730 | $3,817 |
The Best Cheap Car Insurance Companies in Algonac, MI
Take a look at a side-by-side comparison of the top car insurance companies in Algonac, MI to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $23,462 |
| Farmers | $5,902 |
| Geico | $6,194 |
| Liberty Mutual | $21,228 |
| Nationwide | $7,425 |
| Progressive | $5,512 |
| State Farm | $14,899 |
| Travelers | $8,317 |
| USAA | $3,773 |
Category Winners: Cheapest Car Insurance in Algonac, Michigan
Find the cheapest car insurance companies in Algonac, 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 |
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Cheapest Algonac, MI Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Algonac car insurance rates. Find the cheapest Algonac, MI car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $22,887 | $23,513 | $23,986 |
| Farmers | $5,686 | $5,881 | $6,139 |
| Geico | $5,774 | $6,137 | $6,669 |
| Liberty Mutual | $20,718 | $21,178 | $21,787 |
| Nationwide | $7,722 | $7,312 | $7,240 |
| Progressive | $5,315 | $5,522 | $5,701 |
| State Farm | $14,092 | $14,999 | $15,607 |
| Travelers | $8,230 | $8,325 | $8,397 |
| USAA | $3,666 | $3,782 | $3,872 |
What affects car insurance rates in Algonac, Michigan?
What factors can have an impact on Algonac, MI car insurance? There are several reasons why Algonac car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Algonac, Michigan.
Commute Time in Algonac
The more time you spend in your car the higher the risk of an accident. The average commute length in Algonac, MI is 36.6 minutes according to City-Data.
Compare Car Insurance Quotes in Algonac, MI
Ready to find affordable Algonac, Michigan car insurance today? Enter your ZIP code for fast, free Algonac, MI car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How can I compare car insurance options in Algonac, MI?
To compare car insurance options in Algonac, MI, follow these steps:
- Determine your coverage needs: Assess the types and levels of coverage required for your vehicle.
- Obtain multiple quotes: Collect quotes from different insurance providers in Algonac, MI.
- Compare coverage and premiums: Evaluate the coverage options and premiums offered by each insurer.
- Consider additional factors: Take into account customer reviews, the financial stability of the insurance company, available discounts, and the quality of customer service.
- Make an informed decision: Choose the car insurance policy that best fits your needs and budget.
What factors should I consider when comparing car insurance in Algonac, MI?
When comparing car insurance in Algonac, MI, consider the following factors:
- Coverage options: Evaluate the types of coverage available, such as liability, collision, comprehensive, uninsured/underinsured motorist coverage, and personal injury protection.
- Premiums: Compare the premiums quoted by different insurers for similar coverage.
- Deductibles: Consider the deductible amounts and how they impact your premiums.
- Discounts: Inquire about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for anti-theft devices.
- Customer reviews: Read reviews and ratings from other policyholders to gauge the customer service and claims handling of the insurance companies.
- Financial stability: Check the financial ratings of insurance companies from reputable sources to ensure they can meet their financial obligations.
Are there any specific car insurance requirements in Algonac, MI?
Yes, Michigan has specific car insurance requirements that apply to Algonac as well. Drivers in Michigan must carry the following minimum coverage:
- Personal Injury Protection (PIP) coverage: Provides coverage for medical expenses, lost wages, and other related costs resulting from an auto accident.
- Property Protection (PPI) coverage: Covers up to $1 million for damage to property in Michigan caused by your vehicle.
- Bodily Injury and Property Damage Liability (BI/PD) coverage: Minimum limits of $50,000 per person injured or killed, $100,000 per accident for bodily injury or death, and $10,000 per accident for property damage in Michigan if you are found at fault.
Can I get discounts on car insurance in Algonac, MI?
Yes, many car insurance providers offer various discounts that can help lower your premiums in Algonac, MI. Some common discounts include:
- Safe driver discounts: Offered to drivers with a clean driving record and no at-fault accidents.
- Multi-policy discounts: Available when you bundle multiple insurance policies, such as auto and home insurance, with the same provider.
- Good student discounts: Offered to students who maintain good grades.
- Anti-theft device discounts: Provided for vehicles equipped with anti-theft devices.
- Defensive driving course discounts: Available to drivers who complete an approved defensive driving course.
How can I lower my car insurance premiums in Algonac, MI?
To lower your car insurance premiums in Algonac, MI, consider the following:
- Shop around: Obtain quotes from multiple insurance providers to find the most competitive rates.
- Increase deductibles: Opting for a higher deductible can lower your premiums. However, ensure you can afford to pay the deductible in case of an accident.
- Maintain a good driving record: Avoid accidents and traffic violations, as a clean driving record often leads to lower premiums.
- Take advantage of discounts: Inquire about all available discounts and take advantage of those you qualify for.
- Bundle policies: Consider bundling your car insurance policy with other policies, such as home insurance, to receive multi-policy discounts.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
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.