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 annual number of car thefts in Muskegon is 170.
  • Average car insurance rates in Muskegon, MI for senior drivers are $6,130/year
  • The cheapest car insurance company in Muskegon for teen drivers is USAA

Average car insurance rates in Muskegon, Michigan are $781 a month. But with a little research you can get a great deal from the top car insurance companies in Muskegon, MI. Before you buy Muskegon, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.

It may even be helpful to compare Muskegon car insurance rates with Sterling Heights car insurance rates, Grand Rapids car insurance rates, or Dearborn car insurance rates to make sure you’re getting the best Muskegon, MI car insurance quotes available.

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

Muskegon, MI Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Muskegon, Michigan

Insurance Company Low Medium High
Allstate $19,702 $20,181 $20,544
Farmers $5,180 $5,290 $5,431
GEICO $5,009 $5,294 $5,715
Liberty Mutual $17,587 $17,951 $18,431
Nationwide $5,892 $5,569 $5,513
Progressive $4,464 $4,597 $4,714
State Farm $11,405 $12,066 $12,509
Travelers $9,935 $10,037 $10,116
USAA $3,219 $3,321 $3,401

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Muskegon, 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 $14,662 $14,662 $13,595 $13,595 $36,860 $36,860 $15,453 $15,453
Farmers $4,023 $4,023 $3,756 $3,756 $8,899 $8,899 $4,523 $4,523
GEICO $3,614 $3,614 $3,714 $3,714 $10,567 $10,567 $3,463 $3,463
Liberty Mutual $13,501 $13,501 $13,368 $13,368 $31,589 $31,589 $13,501 $13,501
Nationwide $4,017 $4,017 $3,575 $3,575 $10,634 $10,634 $4,406 $4,406
Progressive $2,647 $2,474 $2,352 $2,596 $9,967 $10,726 $3,081 $2,891
State Farm $7,209 $7,209 $6,699 $6,699 $25,586 $25,586 $8,479 $8,479
Travelers $6,706 $6,706 $5,743 $5,743 $20,375 $20,375 $7,293 $7,293
USAA $2,457 $2,308 $2,316 $2,174 $5,912 $5,562 $2,965 $2,816

Muskegon, MI Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Muskegon, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,860 $36,860
Farmers $8,899 $8,899
GEICO $10,567 $10,567
Liberty Mutual $31,589 $31,589
Nationwide $10,634 $10,634
Progressive $9,967 $10,726
State Farm $25,586 $25,586
Travelers $20,375 $20,375
USAA $5,912 $5,562

Muskegon, MI Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Muskegon, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,595 $13,595
Farmers $3,756 $3,756
GEICO $3,714 $3,714
Liberty Mutual $13,368 $13,368
Nationwide $3,575 $3,575
Progressive $2,352 $2,596
State Farm $6,699 $6,699
Travelers $5,743 $5,743
USAA $2,316 $2,174

Muskegon, MI Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Muskegon, Michigan

Insurance Company Poor Fair Good
Allstate $30,531 $16,920 $12,976
Farmers $7,001 $4,628 $4,272
GEICO $6,861 $5,048 $4,110
Liberty Mutual $28,449 $16,436 $9,083
Nationwide $7,069 $5,348 $4,557
Progressive $5,260 $4,465 $4,050
State Farm $19,460 $9,841 $6,679
Travelers $10,279 $9,968 $9,841
USAA $4,943 $2,840 $2,159

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Muskegon, MI Car Insurance Rates by Driver History

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

Annual Muskegon, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,764 $13,040 $44,056 $13,710
Farmers $4,456 $5,672 $5,600 $5,474
GEICO $1,844 $3,976 $12,083 $3,455
Liberty Mutual $12,439 $15,131 $28,365 $16,024
Nationwide $4,850 $6,457 $5,872 $5,454
Progressive $3,918 $5,107 $4,584 $4,757
State Farm $7,553 $9,098 $19,909 $11,414
Travelers $6,788 $9,693 $15,607 $8,028
USAA $2,671 $3,333 $4,344 $2,907

Muskegon, MI Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Muskegon, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $44,056
Farmers $5,600
GEICO $12,083
Liberty Mutual $28,365
Nationwide $5,872
Progressive $4,584
State Farm $19,909
Travelers $15,607
USAA $4,344

Muskegon, MI Car Insurance Rates by ZIP Code

Just like Muskegon car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Muskegon, MI car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Muskegon, Michigan

ZIP Code Average Annual Rates
49440 $6,739
49441 $6,618
49442 $6,728
49444 $6,663

Muskegon, MI Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Muskegon, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $20,143 $20,143
Farmers $5,300 $5,300
GEICO $5,221 $5,458
Liberty Mutual $17,375 $18,605
Nationwide $5,658 $5,658
Progressive $4,592 $4,592
State Farm $11,674 $12,313
Travelers $9,971 $10,087
USAA $3,276 $3,352

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Muskegon, MI Cheapest Car Insurance Rates

How do the top Muskegon, Michigan car insurance companies’ average rates stack up against the Muskegon average monthly car insurance rates of $781? Take a look and see.

Best Annual Car Insurance Rates by Company in Muskegon, Michigan

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

Muskegon, MI Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Muskegon, Michigan

Insurance Company Average Annual Rates
Allstate $20,143
Farmers $5,300
GEICO $5,340
Liberty Mutual $17,990
Nationwide $5,658
Progressive $4,592
State Farm $11,993
Travelers $10,029
USAA $3,314

Other Factors Affecting Muskegon, MI Car Insurance Rates

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

Muskegon, MI Car Theft Rates

The car theft rate in Muskegon, MI will affect your car insurance rates. FBI data shows that the annual car theft rate for Muskegon, Michigan is 170 stolen cars.

Muskegon, MI Commute Time

How does your Muskegon, MI commute time compare with the average driver? In Muskegon, the average commute is 20.2 minutes.

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Muskegon, MI Car Insurance Quotes

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