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 Ludington after a DUI is USAA
  • The annual number of car thefts in Ludington is 2.
  • Average car insurance rates in Ludington, MI are $788/month

Average car insurance rates in Ludington, Michigan are $788 a month. But with a little research you can get a great deal from the top car insurance companies in Ludington, MI. Before you buy Ludington, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.

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

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

Ludington, MI Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Ludington, Michigan

Insurance Company Low Medium High
Allstate $19,874 $20,353 $20,716
Farmers $5,231 $5,354 $5,515
GEICO $5,130 $5,430 $5,871
Liberty Mutual $19,708 $20,084 $20,583
Nationwide $6,869 $6,440 $6,353
Progressive $4,640 $4,790 $4,921
State Farm $10,948 $11,570 $11,988
Travelers $7,365 $7,444 $7,504
USAA $3,458 $3,566 $3,651

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ludington, 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 $14,808 $14,808 $13,735 $13,735 $37,110 $37,110 $15,605 $15,605
Farmers $4,092 $4,092 $3,819 $3,819 $8,966 $8,966 $4,590 $4,590
GEICO $3,787 $3,787 $3,850 $3,850 $10,646 $10,646 $3,624 $3,624
Liberty Mutual $14,956 $14,956 $14,804 $14,804 $35,785 $35,785 $14,956 $14,956
Nationwide $4,649 $4,649 $4,126 $4,126 $12,340 $12,340 $5,101 $5,101
Progressive $2,786 $2,621 $2,464 $2,714 $10,278 $11,075 $3,254 $3,078
State Farm $7,015 $7,015 $6,482 $6,482 $24,282 $24,282 $8,228 $8,228
Travelers $4,991 $4,991 $4,282 $4,282 $15,054 $15,054 $5,423 $5,423
USAA $2,640 $2,489 $2,483 $2,340 $6,312 $5,955 $3,197 $3,050

Ludington, MI Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Ludington, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $37,110 $37,110
Farmers $8,966 $8,966
GEICO $10,646 $10,646
Liberty Mutual $35,785 $35,785
Nationwide $12,340 $12,340
Progressive $10,278 $11,075
State Farm $24,282 $24,282
Travelers $15,054 $15,054
USAA $6,312 $5,955

Ludington, MI Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Ludington, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,735 $13,735
Farmers $3,819 $3,819
GEICO $3,850 $3,850
Liberty Mutual $14,804 $14,804
Nationwide $4,126 $4,126
Progressive $2,464 $2,714
State Farm $6,482 $6,482
Travelers $4,282 $4,282
USAA $2,483 $2,340

Ludington, MI Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Ludington, Michigan

Insurance Company Poor Fair Good
Allstate $30,809 $17,065 $13,069
Farmers $7,103 $4,679 $4,318
GEICO $7,039 $5,177 $4,214
Liberty Mutual $31,844 $18,386 $10,145
Nationwide $8,224 $6,184 $5,254
Progressive $5,495 $4,645 $4,211
State Farm $18,656 $9,440 $6,411
Travelers $7,622 $7,392 $7,299
USAA $5,325 $3,042 $2,308

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Ludington, MI Car Insurance Rates by Driver History

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

Annual Ludington, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,853 $13,161 $44,417 $13,828
Farmers $4,519 $5,741 $5,671 $5,536
GEICO $1,942 $4,081 $12,311 $3,574
Liberty Mutual $14,339 $17,098 $30,874 $18,190
Nationwide $5,604 $7,485 $6,811 $6,316
Progressive $4,079 $5,312 $4,780 $4,964
State Farm $7,382 $8,815 $18,847 $10,965
Travelers $5,050 $7,190 $11,546 $5,964
USAA $2,866 $3,572 $4,674 $3,121

Ludington, MI Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Ludington, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $44,417
Farmers $5,671
GEICO $12,311
Liberty Mutual $30,874
Nationwide $6,811
Progressive $4,780
State Farm $18,847
Travelers $11,546
USAA $4,674

Ludington, MI Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Ludington, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $20,314 $20,314
Farmers $5,367 $5,367
GEICO $5,352 $5,602
Liberty Mutual $19,417 $20,833
Nationwide $6,554 $6,554
Progressive $4,784 $4,784
State Farm $11,194 $11,810
Travelers $7,395 $7,480
USAA $3,517 $3,599

Ludington, MI Cheapest Car Insurance Rates

How do the top Ludington, Michigan car insurance companies’ average rates stack up against the Ludington average monthly car insurance rates of $788? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Ludington, Michigan

Insurance Company Average Annual Rates
Allstate $20,314
Farmers $5,367
GEICO $5,477
Liberty Mutual $20,125
Nationwide $6,554
Progressive $4,784
State Farm $11,502
Travelers $7,438
USAA $3,558

Other Factors Affecting Ludington, MI Car Insurance Rates

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

Ludington, MI Car Theft Rates

The car theft rate in Ludington, MI will affect your car insurance rates. FBI data shows that the annual car theft rate for Ludington, Michigan is 2 stolen cars.

Ludington, MI Commute Time

How does your Ludington, MI commute time compare with the average driver? In Ludington, the average commute is 11.3 minutes.

Ludington, MI Car Insurance Quotes

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