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: Jun 7, 2022

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Just What's Essential

  • The cheapest car insurance company in Cadillac after a DUI is USAA
  • Average car insurance rates in Cadillac, MI for senior drivers are $6,166/year
  • The annual number of car thefts in Cadillac is 12.

Average car insurance rates in Cadillac, Michigan are $771 a month. But with a little research you can get a great deal from the top car insurance companies in Cadillac, MI. Before you buy Cadillac, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.

It may even be helpful to compare Cadillac car insurance rates with Lansing car insurance rates, Warren car insurance rates, or Detroit car insurance rates to make sure you’re getting the best Cadillac, MI car insurance quotes available.

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

Cadillac, MI Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Cadillac, Michigan

Insurance Company Low Medium High
Allstate $23,146 $23,750 $24,207
Farmers $5,413 $5,530 $5,681
GEICO $5,232 $5,540 $5,993
Liberty Mutual $16,782 $17,164 $17,669
Nationwide $5,032 $4,718 $4,653
Progressive $4,644 $4,801 $4,939
State Farm $9,850 $10,407 $10,781
Travelers $7,889 $7,978 $8,047
USAA $3,189 $3,290 $3,369

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cadillac, 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 $17,642 $17,642 $16,482 $16,482 $42,126 $42,126 $18,554 $18,554
Farmers $4,212 $4,212 $3,934 $3,934 $9,284 $9,284 $4,734 $4,734
GEICO $3,874 $3,874 $3,939 $3,939 $10,836 $10,836 $3,705 $3,705
Liberty Mutual $12,825 $12,825 $12,695 $12,695 $30,474 $30,474 $12,825 $12,825
Nationwide $3,488 $3,488 $3,115 $3,115 $8,800 $8,800 $3,801 $3,801
Progressive $2,848 $2,652 $2,518 $2,806 $10,251 $10,911 $3,310 $3,064
State Farm $6,340 $6,340 $5,852 $5,852 $21,764 $21,764 $7,427 $7,427
Travelers $5,348 $5,348 $4,589 $4,589 $16,137 $16,137 $5,811 $5,811
USAA $2,436 $2,303 $2,292 $2,164 $5,804 $5,491 $2,949 $2,821

Cadillac, MI Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Cadillac, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $42,126 $42,126
Farmers $9,284 $9,284
GEICO $10,836 $10,836
Liberty Mutual $30,474 $30,474
Nationwide $8,800 $8,800
Progressive $10,251 $10,911
State Farm $21,764 $21,764
Travelers $16,137 $16,137
USAA $5,804 $5,491

Cadillac, MI Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Cadillac, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $16,482 $16,482
Farmers $3,934 $3,934
GEICO $3,939 $3,939
Liberty Mutual $12,695 $12,695
Nationwide $3,115 $3,115
Progressive $2,518 $2,806
State Farm $5,852 $5,852
Travelers $4,589 $4,589
USAA $2,292 $2,164

Cadillac, MI Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Cadillac, Michigan

Insurance Company Poor Fair Good
Allstate $36,233 $19,928 $14,943
Farmers $7,343 $4,829 $4,452
GEICO $7,183 $5,282 $4,299
Liberty Mutual $27,202 $15,721 $8,691
Nationwide $6,001 $4,531 $3,870
Progressive $5,534 $4,655 $4,195
State Farm $16,765 $8,495 $5,777
Travelers $8,169 $7,922 $7,822
USAA $4,899 $2,809 $2,140

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Cadillac, MI Car Insurance Rates by Driver History

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

Annual Cadillac, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,500 $15,454 $51,747 $16,103
Farmers $4,658 $5,929 $5,857 $5,721
GEICO $1,981 $4,163 $12,563 $3,645
Liberty Mutual $12,177 $14,582 $26,565 $15,494
Nationwide $4,124 $5,458 $4,988 $4,634
Progressive $4,070 $5,332 $4,802 $4,975
State Farm $6,676 $7,952 $16,888 $9,867
Travelers $5,408 $7,706 $12,382 $6,390
USAA $2,648 $3,294 $4,306 $2,882

Cadillac, MI Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Cadillac, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $51,747
Farmers $5,857
GEICO $12,563
Liberty Mutual $26,565
Nationwide $4,988
Progressive $4,802
State Farm $16,888
Travelers $12,382
USAA $4,306

Cadillac, MI Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Cadillac, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $23,701 $23,701
Farmers $5,541 $5,541
GEICO $5,460 $5,716
Liberty Mutual $16,605 $17,805
Nationwide $4,801 $4,801
Progressive $4,795 $4,795
State Farm $10,069 $10,622
Travelers $7,926 $8,017
USAA $3,245 $3,320

Cadillac, MI Cheapest Car Insurance Rates

How do the top Cadillac, Michigan car insurance companies’ average rates stack up against the Cadillac average monthly car insurance rates of $771? Take a look and see.

Best Annual Car Insurance Rates by Company in Cadillac, 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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Cadillac, MI Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Cadillac, Michigan

Insurance Company Average Annual Rates
Allstate $23,701
Farmers $5,541
GEICO $5,588
Liberty Mutual $17,205
Nationwide $4,801
Progressive $4,795
State Farm $10,346
Travelers $7,971
USAA $3,283

Other Factors Affecting Cadillac, MI Car Insurance Rates

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

Cadillac, MI Car Theft Rates

The car theft rate in Cadillac, MI will affect your car insurance rates. FBI data shows that the annual car theft rate for Cadillac, Michigan is 12 stolen cars.

Cadillac, MI Commute Time

How does your Cadillac, MI commute time compare with the average driver? In Cadillac, the average commute is 14.4 minutes.

Cadillac, MI Car Insurance Quotes

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