A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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 annual number of car thefts in Alma is 3.
  • Average car insurance rates in Alma, MI for senior drivers are $5,746/year
  • The cheapest car insurance company in Alma for teen drivers is USAA

Average car insurance rates in Alma, Michigan are $723 a month. But with a little research you can get a great deal from the top car insurance companies in Alma, MI. Before you buy Alma, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.

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

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

Alma, MI Minimum Car Insurance Coverage

Alma, 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 Alma, 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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Alma, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Alma, Michigan

Insurance Company Low Medium High
Allstate $17,196 $17,664 $18,017
Farmers $4,785 $4,887 $5,015
GEICO $4,992 $5,275 $5,689
Liberty Mutual $19,708 $20,084 $20,583
Nationwide $5,652 $5,308 $5,237
Progressive $4,337 $4,463 $4,574
State Farm $9,626 $10,178 $10,548
Travelers $6,575 $6,656 $6,715
USAA $3,389 $3,497 $3,582

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Alma, 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 $12,750 $12,750 $11,776 $11,776 $32,526 $32,526 $13,452 $13,452
Farmers $3,709 $3,709 $3,456 $3,456 $8,254 $8,254 $4,164 $4,164
GEICO $3,689 $3,689 $3,754 $3,754 $10,303 $10,303 $3,528 $3,528
Liberty Mutual $14,956 $14,956 $14,804 $14,804 $35,785 $35,785 $14,956 $14,956
Nationwide $3,909 $3,909 $3,489 $3,489 $9,932 $9,932 $4,266 $4,266
Progressive $2,682 $2,514 $2,368 $2,631 $9,414 $10,028 $3,117 $2,909
State Farm $6,175 $6,175 $5,712 $5,712 $21,343 $21,343 $7,238 $7,238
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,589 $2,444 $2,436 $2,298 $6,179 $5,836 $3,137 $2,997

Alma, MI Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Alma, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $32,526 $32,526
Farmers $8,254 $8,254
GEICO $10,303 $10,303
Liberty Mutual $35,785 $35,785
Nationwide $9,932 $9,932
Progressive $9,414 $10,028
State Farm $21,343 $21,343
Travelers $13,395 $13,395
USAA $6,179 $5,836

Alma, MI Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Alma, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $11,776 $11,776
Farmers $3,456 $3,456
GEICO $3,754 $3,754
Liberty Mutual $14,804 $14,804
Nationwide $3,489 $3,489
Progressive $2,368 $2,631
State Farm $5,712 $5,712
Travelers $3,858 $3,858
USAA $2,436 $2,298

Alma, MI Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Alma, Michigan

Insurance Company Poor Fair Good
Allstate $26,626 $14,787 $11,465
Farmers $6,403 $4,301 $3,983
GEICO $6,834 $5,028 $4,094
Liberty Mutual $31,844 $18,386 $10,145
Nationwide $6,773 $5,091 $4,333
Progressive $5,150 $4,325 $3,899
State Farm $16,391 $8,309 $5,652
Travelers $6,813 $6,608 $6,525
USAA $5,219 $2,984 $2,266

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Alma, MI Car Insurance Rates by Driver History

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

Annual Alma, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,682 $11,526 $38,214 $12,081
Farmers $4,122 $5,239 $5,166 $5,056
GEICO $1,887 $3,964 $11,955 $3,469
Liberty Mutual $14,339 $17,098 $30,874 $18,190
Nationwide $4,623 $6,158 $5,610 $5,205
Progressive $3,795 $4,944 $4,462 $4,631
State Farm $6,494 $7,755 $16,575 $9,645
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,811 $3,502 $4,583 $3,062

Alma, MI Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Alma, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $38,214
Farmers $5,166
GEICO $11,955
Liberty Mutual $30,874
Nationwide $5,610
Progressive $4,462
State Farm $16,575
Travelers $10,331
USAA $4,583

Alma, MI Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Alma, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $17,626 $17,626
Farmers $4,896 $4,896
GEICO $5,197 $5,440
Liberty Mutual $19,417 $20,833
Nationwide $5,399 $5,399
Progressive $4,458 $4,458
State Farm $9,847 $10,388
Travelers $6,611 $6,686
USAA $3,449 $3,530

Alma, MI Cheapest Car Insurance Rates

How do the top Alma, Michigan car insurance companies’ average rates stack up against the Alma average monthly car insurance rates of $723? Take a look and see.

Best Annual Car Insurance Rates by Company in Alma, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Alma, MI Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Alma, Michigan

Insurance Company Average Annual Rates
Allstate $17,626
Farmers $4,896
GEICO $5,319
Liberty Mutual $20,125
Nationwide $5,399
Progressive $4,458
State Farm $10,117
Travelers $6,649
USAA $3,489

Other Factors Affecting Alma, MI Car Insurance Rates

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

Alma, MI Car Theft Rates

The car theft rate in Alma, MI will affect your car insurance rates. FBI data shows that the annual car theft rate for Alma, Michigan is 3 stolen cars.

Alma, MI Commute Time

How does your Alma, MI commute time compare with the average driver? In Alma, the average commute is 17.9 minutes.

Alma, MI Traffic

Spending time in Alma traffic can lead to higher car insurance rates. According to INRIX data, Alma, MI ranks as the 680th-most congested with traffic in the world.

Alma, MI Car Insurance Quotes

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