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 Riga after a DUI is Nationwide
  • Average car insurance rates in Riga, MI are $767/month
  • Average car insurance rates in Riga, MI for senior drivers are $6,166/year

Average car insurance rates in Riga, Michigan are $767 a month. But with a little research you can get a great deal from the top car insurance companies in Riga, MI. Before you buy Riga, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.

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

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

Riga, MI Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Riga, Michigan

Insurance Company Low Medium High
Allstate $22,006 $22,722 $23,263
Farmers $5,277 $5,398 $5,554
GEICO $6,257 $6,702 $7,376
Liberty Mutual $18,530 $19,002 $19,630
Nationwide $3,583 $3,386 $3,347
Progressive $4,827 $4,993 $5,139
State Farm $10,059 $10,636 $11,024
Travelers $6,575 $6,656 $6,715
USAA $3,136 $3,240 $3,321

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Riga, 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 $16,567 $16,567 $15,386 $15,386 $41,246 $41,246 $17,456 $17,456
Farmers $4,156 $4,156 $3,889 $3,889 $8,934 $8,934 $4,660 $4,660
GEICO $4,771 $4,771 $4,890 $4,890 $12,915 $12,915 $4,537 $4,537
Liberty Mutual $14,345 $14,345 $14,206 $14,206 $33,321 $33,321 $14,345 $14,345
Nationwide $2,608 $2,608 $2,355 $2,355 $5,982 $5,982 $2,809 $2,809
Progressive $2,961 $2,734 $2,620 $2,942 $10,721 $11,345 $3,434 $3,133
State Farm $6,421 $6,421 $5,949 $5,949 $22,388 $22,388 $7,535 $7,535
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,385 $2,254 $2,246 $2,118 $5,755 $5,450 $2,890 $2,764

Riga, MI Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Riga, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,246 $41,246
Farmers $8,934 $8,934
GEICO $12,915 $12,915
Liberty Mutual $33,321 $33,321
Nationwide $5,982 $5,982
Progressive $10,721 $11,345
State Farm $22,388 $22,388
Travelers $13,395 $13,395
USAA $5,755 $5,450

Riga, MI Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Riga, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,386 $15,386
Farmers $3,889 $3,889
GEICO $4,890 $4,890
Liberty Mutual $14,206 $14,206
Nationwide $2,355 $2,355
Progressive $2,620 $2,942
State Farm $5,949 $5,949
Travelers $3,858 $3,858
USAA $2,246 $2,118

Riga, MI Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Riga, Michigan

Insurance Company Poor Fair Good
Allstate $34,365 $19,040 $14,586
Farmers $7,231 $4,687 $4,311
GEICO $8,726 $6,405 $5,204
Liberty Mutual $30,138 $17,407 $9,617
Nationwide $4,285 $3,243 $2,788
Progressive $5,762 $4,844 $4,353
State Farm $17,136 $8,681 $5,902
Travelers $6,813 $6,608 $6,525
USAA $4,818 $2,767 $2,113

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Riga, MI Car Insurance Rates by Driver History

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

Annual Riga, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,002 $14,722 $49,505 $15,425
Farmers $4,556 $5,783 $5,723 $5,577
GEICO $2,365 $5,043 $15,319 $4,386
Liberty Mutual $13,026 $15,959 $30,358 $16,873
Nationwide $2,971 $3,886 $3,573 $3,324
Progressive $4,219 $5,558 $4,999 $5,170
State Farm $6,744 $8,076 $17,399 $10,074
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,607 $3,246 $4,240 $2,838

Riga, MI Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Riga, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $49,505
Farmers $5,723
GEICO $15,319
Liberty Mutual $30,358
Nationwide $3,573
Progressive $4,999
State Farm $17,399
Travelers $10,331
USAA $4,240

Riga, MI Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Riga, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $22,664 $22,664
Farmers $5,410 $5,410
GEICO $6,625 $6,932
Liberty Mutual $18,409 $19,699
Nationwide $3,438 $3,438
Progressive $4,986 $4,986
State Farm $10,291 $10,855
Travelers $6,611 $6,686
USAA $3,196 $3,269

Riga, MI Cheapest Car Insurance Rates

How do the top Riga, Michigan car insurance companies’ average rates stack up against the Riga average monthly car insurance rates of $767? Take a look and see.

Best Annual Car Insurance Rates by Company in Riga, Michigan

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

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Riga, MI Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Riga, Michigan

Insurance Company Average Annual Rates
Allstate $22,664
Farmers $5,410
GEICO $6,778
Liberty Mutual $19,054
Nationwide $3,438
Progressive $4,986
State Farm $10,573
Travelers $6,649
USAA $3,233

Other Factors Affecting Riga, MI Car Insurance Rates

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

Riga, MI Traffic

Spending time in Riga traffic can lead to higher car insurance rates. According to INRIX data, Riga, MI ranks as the 17th-most congested with traffic in the world.

Riga, MI Car Insurance Quotes

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