Best Sandusky, MI Car Insurance in 2025
Car insurance in Sandusky, MI averages $834 a month. Sandusky, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Sandusky car insurance rates, compare quotes from the top car insurance companies in Sandusky, MI.
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Table of Contents
Table of Contents
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Melanie Musson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Kalyn Johnson
Updated December 2025
- The cheapest car insurance company in Sandusky for teen drivers is USAA
- Average car insurance rates in Sandusky, MI are $10,011/year
- The cheapest car insurance company in Sandusky is USAA
If you need to buy Sandusky, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Sandusky, MI is right here.
You’ll find Sandusky car insurance rates, the cheapest Sandusky, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Sandusky, Michigan car insurance rates to Ann Arbor car insurance rates, Troy car insurance rates, and Flint car insurance rates.
Ready to find affordable Sandusky, MI car insurance today? Enter your ZIP code for fast, free Sandusky car insurance quotes.
Cheapest Sandusky, MI Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Sandusky, MI car insurance rates? Every Sandusky, 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 | $16,403 | $16,403 | $15,223 | $15,223 | $41,052 | $41,052 | $17,286 | $17,286 |
| Farmers | $4,653 | $4,653 | $4,342 | $4,342 | $10,072 | $10,072 | $5,217 | $5,217 |
| Geico | $4,090 | $4,090 | $4,166 | $4,166 | $11,022 | $11,022 | $3,896 | $3,896 |
| Liberty Mutual | $15,122 | $15,122 | $14,972 | $14,972 | $35,654 | $35,654 | $15,122 | $15,122 |
| Nationwide | $5,340 | $5,340 | $4,738 | $4,738 | $14,203 | $14,203 | $5,863 | $5,863 |
| Progressive | $3,168 | $2,933 | $2,799 | $3,137 | $11,508 | $12,209 | $3,685 | $3,376 |
| State Farm | $6,877 | $6,877 | $6,355 | $6,355 | $23,525 | $23,525 | $8,045 | $8,045 |
| Travelers | $5,380 | $5,380 | $4,626 | $4,626 | $16,180 | $16,180 | $5,842 | $5,842 |
| USAA | $2,557 | $2,410 | $2,407 | $2,270 | $6,054 | $5,702 | $3,089 | $2,945 |
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Minimum Car Insurance in Sandusky, MI
Every driver must carry the minimum car insurance in Sandusky, 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 Sandusky, MI Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Sandusky, MI. Compare credit history car insurance rates in Sandusky from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $34,102 | $18,892 | $14,479 |
| Farmers | $8,089 | $5,270 | $4,854 |
| Geico | $7,450 | $5,476 | $4,455 |
| Liberty Mutual | $31,984 | $18,471 | $10,198 |
| Nationwide | $9,490 | $7,103 | $6,015 |
| Progressive | $6,187 | $5,197 | $4,672 |
| State Farm | $18,162 | $9,194 | $6,246 |
| Travelers | $8,206 | $7,958 | $7,858 |
| USAA | $5,123 | $2,936 | $2,229 |
Cheapest Sandusky, 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 Sandusky, MI to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $10,909 | $14,579 | $49,169 | $15,308 |
| Farmers | $5,114 | $6,492 | $6,420 | $6,258 |
| Geico | $2,060 | $4,319 | $13,022 | $3,773 |
| Liberty Mutual | $14,122 | $17,053 | $31,609 | $18,086 |
| Nationwide | $6,424 | $8,633 | $7,832 | $7,255 |
| Progressive | $4,522 | $5,965 | $5,369 | $5,551 |
| State Farm | $7,260 | $8,630 | $18,226 | $10,687 |
| Travelers | $5,416 | $7,736 | $12,473 | $6,404 |
| USAA | $2,764 | $3,442 | $4,502 | $3,009 |
Cheapest Sandusky, MI Car Insurance for Teen Drivers
Teen car insurance in Sandusky, MI can be expensive. Take a look at rates from the top car insurance companies in Sandusky for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $41,052 | $41,052 |
| Farmers | $10,072 | $10,072 |
| Geico | $11,022 | $11,022 |
| Liberty Mutual | $35,654 | $35,654 |
| Nationwide | $14,203 | $14,203 |
| Progressive | $11,508 | $12,209 |
| State Farm | $23,525 | $23,525 |
| Travelers | $16,180 | $16,180 |
| USAA | $6,054 | $5,702 |
Cheapest Sandusky, MI Car Insurance for Seniors
Take a look at Sandusky, 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 | $15,223 | $15,223 |
| Farmers | $4,342 | $4,342 |
| Geico | $4,166 | $4,166 |
| Liberty Mutual | $14,972 | $14,972 |
| Nationwide | $4,738 | $4,738 |
| Progressive | $2,799 | $3,137 |
| State Farm | $6,355 | $6,355 |
| Travelers | $4,626 | $4,626 |
| USAA | $2,407 | $2,270 |
Cheapest Sandusky, MI Car Insurance Rates After a DUI
A DUI in Sandusky, MI increases car insurance rates. Compare Sandusky, Michigan DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $49,169 |
| Farmers | $6,420 |
| Geico | $13,022 |
| Liberty Mutual | $31,609 |
| Nationwide | $7,832 |
| Progressive | $5,369 |
| State Farm | $18,226 |
| Travelers | $12,473 |
| USAA | $4,502 |
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Cheapest Sandusky, MI Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Sandusky, 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 | $22,491 | $22,491 |
| Farmers | $6,071 | $6,071 |
| Geico | $5,660 | $5,927 |
| Liberty Mutual | $19,520 | $20,916 |
| Nationwide | $7,536 | $7,536 |
| Progressive | $5,352 | $5,352 |
| State Farm | $10,891 | $11,510 |
| Travelers | $7,961 | $8,053 |
| USAA | $3,389 | $3,469 |
The Best Cheap Car Insurance Companies in Sandusky, MI
Take a look at a side-by-side comparison of the top car insurance companies in Sandusky, MI to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $22,491 |
| Farmers | $6,071 |
| Geico | $5,794 |
| Liberty Mutual | $20,218 |
| Nationwide | $7,536 |
| Progressive | $5,352 |
| State Farm | $11,201 |
| Travelers | $8,007 |
| USAA | $3,429 |
Category Winners: Cheapest Car Insurance in Sandusky, Michigan
Find the cheapest car insurance companies in Sandusky, 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 Sandusky, MI Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Sandusky car insurance rates. Find the cheapest Sandusky, MI car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $21,873 | $22,546 | $23,054 |
| Farmers | $5,911 | $6,056 | $6,246 |
| Geico | $5,373 | $5,738 | $6,271 |
| Liberty Mutual | $19,733 | $20,169 | $20,752 |
| Nationwide | $7,885 | $7,409 | $7,314 |
| Progressive | $5,152 | $5,361 | $5,543 |
| State Farm | $10,620 | $11,272 | $11,710 |
| Travelers | $7,920 | $8,016 | $8,086 |
| USAA | $3,324 | $3,438 | $3,525 |
What affects car insurance rates in Sandusky, Michigan?
What factors can have an impact on Sandusky, MI car insurance? There are several reasons why Sandusky car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Sandusky, Michigan.
Car Theft in Sandusky
High levels of vehicle theft can make car insurance more expensive. Sandusky, MI car theft statistics from the FBI indicate 0 vehicle thefts a year.
Commute Time in Sandusky
The more time you spend in your car the higher the risk of an accident. The average commute length in Sandusky, MI is 21.1 minutes according to City-Data.
Compare Car Insurance Quotes in Sandusky, MI
Ready to find affordable Sandusky, Michigan car insurance today? Enter your ZIP code for fast, free Sandusky, MI car insurance quotes.
Frequently Asked Questions
How are car insurance rates determined in Sandusky, MI?
Car insurance rates in Sandusky, MI are determined by various factors, including the driver’s age, driving record, type of vehicle, coverage options, and the insurance provider’s policies.
Are car insurance rates higher in Sandusky, MI compared to other areas?
Car insurance rates can vary depending on the location. While Sandusky, MI may have its own unique factors, it’s essential to compare rates from different insurance providers to determine the specific cost for your situation.
What are some ways to lower car insurance rates in Sandusky, MI?
Here are some strategies to potentially lower car insurance rates in Sandusky, MI:
- Maintain a clean driving record
- Opt for a higher deductible
- Consider bundling your auto insurance with other policies
- Inquire about available discounts (e.g., safe driver, multi-policy, good student)
- Compare quotes from multiple insurance providers
Can my credit score impact my car insurance rates in Sandusky, MI?
Yes, your credit score can be a factor in determining your car insurance rates in Sandusky, MI. Insurance companies often use credit-based insurance scores to assess the risk associated with providing coverage.
What types of car insurance coverage options are available in Sandusky, MI?
Sandusky, MI offers various car insurance coverage options, including:
- Liability coverage: Covers damages caused to others in an accident where you’re at fault.
- Collision coverage: Covers damages to your own vehicle in the event of an accident.
- Comprehensive coverage: Covers damages to your vehicle from non-collision incidents (e.g., theft, vandalism).
- Personal injury protection (PIP): Covers medical expenses for you and your passengers regardless of fault.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with an uninsured or underinsured driver.
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