Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Algonac after a DUI is USAA
  • Average car insurance rates in Algonac, MI are $895/month
  • The cheapest car insurance company in Algonac for teen drivers is USAA

Average car insurance rates in Algonac, Michigan are $895 a month. But with a little research you can get a great deal from the top car insurance companies in Algonac, MI. Before you buy Algonac, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.

It may even be helpful to compare Algonac car insurance rates with Ann Arbor car insurance rates, Warren car insurance rates, or Grand Rapids car insurance rates to make sure you’re getting the best Algonac, MI car insurance quotes available.

Need affordable Algonac, MI car insurance? Enter your ZIP code to compare Algonac car insurance quotes from multiple car insurance companies near you.

Algonac, MI Minimum Car Insurance Coverage

Algonac, Michigan law requires drivers carry a minimum of 20/40/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Algonac, Michigan

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

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Algonac, MI Car Insurance Rates by Coverage Level

Some Algonac drivers can get by with the Michigan minimum coverage of 20/40/10. Other drivers may need more. See how much your Algonac, Michigan car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Algonac, Michigan

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

Algonac, MI Car Insurance Rates by Age, Gender, and Marital Status

Algonac, Michigan car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Algonac, MI car insurance, get quotes from multiple car insurance companies in the Algonac area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Algonac, Michigan

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

Algonac, MI Car Insurance Rates for Teens

How much is Algonac, Michigan car insurance for teens? Compare rates from top Algonac car insurance companies below to help find the cheapest teen car insurance in Algonac, MI.

Annual Car Insurance Rates for Teen Drivers in Algonac, Michigan

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

Algonac, MI Car Insurance Rates for Seniors

Before seniors buy Algonac, Michigan car insurance, they should make sure to shop around. Some Algonac, MI car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Algonac, Michigan

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

Algonac, MI Car Insurance Rates by Credit History

How does your credit history affect Algonac, MI car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Algonac, Michigan

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

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Algonac, MI Car Insurance Rates by Driver History

How does a single speeding ticket affect your Algonac, Michigan car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Algonac.

Annual Algonac, Michigan Car Insurance Rates by Driving Record

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

Algonac, MI Car Insurance Rates With a DUI

Even a single DUI can increase your Algonac, MI car insurance rates. Compare rates below to see which Algonac car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Algonac, Michigan

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

Algonac, MI Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Algonac, MI car insurance rates may be. Let’s take a look at average car insurance rates from top Algonac companies based on commute time.

Annual Car Insurance Rates by Commute Length in Algonac, Michigan

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

Algonac, MI Cheapest Car Insurance Rates

How do the top Algonac, Michigan car insurance companies’ average rates stack up against the Algonac average monthly car insurance rates of $895? Take a look and see.

Best Annual Car Insurance Rates by Company in Algonac, Michigan

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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Algonac, MI Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Algonac, Michigan car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Algonac, Michigan

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

Other Factors Affecting Algonac, MI Car Insurance Rates

Before you buy Algonac, Michigan car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Algonac, MI Commute Time

How does your Algonac, MI commute time compare with the average driver? In Algonac, the average commute is 36.6 minutes.

Algonac, MI Car Insurance Quotes

Compare Algonac, MI car insurance quotes from multiple companies by entering your ZIP code now.