Best White Cloud, Michigan Auto Insurance in 2026
The average White Cloud, MI auto insurance rates are $792 per month. The minimum auto insurance in White Cloud is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in White Cloud, Michigan, compare quotes from multiple companies.
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Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Laura Gunn
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Jeff Root
Updated October 2024
- The cheapest auto insurance company in White Cloud is USAA
- The minimum auto insurance required in White Cloud, Michigan is 20/40/10
- The most expensive auto insurance company in White Cloud for teen drivers is Allstate
White Cloud, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in White Cloud can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in White Cloud, Michigan, including driving record, credit, commute time, and more.
Compare auto insurance in White Cloud to other Michigan cities, including Lansing auto insurance rates, Troy auto insurance rates, and Flint auto insurance rates to see how White Cloud, Michigan auto insurance rates stack up.
Before you buy White Cloud, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free White Cloud, Michigan auto insurance quotes.
Minimum Auto Insurance in White Cloud, Michigan
White Cloud, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in White Cloud, Michigan.
Minimum Required Auto Insurance Coverage in White Cloud, 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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Cheap White Cloud, Michigan Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in White Cloud, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in White Cloud, 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 | $14,681 | $14,681 | $13,611 | $13,611 | $36,902 | $36,902 | $15,474 | $15,474 |
| Farmers | $4,443 | $4,443 | $4,146 | $4,146 | $9,734 | $9,734 | $4,988 | $4,988 |
| Geico | $3,971 | $3,971 | $4,019 | $4,019 | $10,815 | $10,815 | $3,794 | $3,794 |
| Liberty Mutual | $14,956 | $14,956 | $14,804 | $14,804 | $35,785 | $35,785 | $14,956 | $14,956 |
| Nationwide | $5,025 | $5,025 | $4,440 | $4,440 | $13,754 | $13,754 | $5,535 | $5,535 |
| Progressive | $3,115 | $2,917 | $2,745 | $3,046 | $11,389 | $12,206 | $3,640 | $3,410 |
| State Farm | $6,739 | $6,739 | $6,214 | $6,214 | $23,212 | $23,212 | $7,904 | $7,904 |
| Travelers | $4,480 | $4,480 | $3,858 | $3,858 | $13,395 | $13,395 | $4,862 | $4,862 |
| USAA | $2,602 | $2,477 | $2,443 | $2,317 | $6,339 | $6,054 | $3,182 | $3,071 |
Cheap White Cloud, Michigan Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in White Cloud, Michigan is a challenge. Take a look at the annual teen auto insurance rates in White Cloud, Michigan.
Annual Auto Insurance Rates for Teen Drivers in White Cloud, Michigan
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $36,902 | $36,902 |
| Farmers | $9,734 | $9,734 |
| Geico | $10,815 | $10,815 |
| Liberty Mutual | $35,785 | $35,785 |
| Nationwide | $13,754 | $13,754 |
| Progressive | $11,389 | $12,206 |
| State Farm | $23,212 | $23,212 |
| Travelers | $13,395 | $13,395 |
| USAA | $6,339 | $6,054 |
Cheap White Cloud, Michigan Auto Insurance for Seniors
What are senior auto insurance rates in White Cloud, Michigan? Take a look at the annual average rates for older drivers.
Annual Auto Insurance Rates for Senior Drivers in White Cloud, Michigan
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $13,611 | $13,611 |
| Farmers | $4,146 | $4,146 |
| Geico | $4,019 | $4,019 |
| Liberty Mutual | $14,804 | $14,804 |
| Nationwide | $4,440 | $4,440 |
| Progressive | $2,745 | $3,046 |
| State Farm | $6,214 | $6,214 |
| Travelers | $3,858 | $3,858 |
| USAA | $2,443 | $2,317 |
Cheap White Cloud, Michigan Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in White Cloud, Michigan compared to the annual auto insurance rates with a clean record in White Cloud, Michigan.
Annual White Cloud, Michigan Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $9,787 | $13,067 | $44,083 | $13,732 |
| Farmers | $4,904 | $6,235 | $6,159 | $6,014 |
| Geico | $2,028 | $4,210 | $12,663 | $3,699 |
| Liberty Mutual | $14,339 | $17,098 | $30,874 | $18,190 |
| Nationwide | $6,149 | $8,203 | $7,471 | $6,931 |
| Progressive | $4,507 | $5,903 | $5,311 | $5,513 |
| State Farm | $7,090 | $8,456 | $18,018 | $10,505 |
| Travelers | $4,510 | $6,426 | $10,331 | $5,327 |
| USAA | $2,867 | $3,569 | $4,682 | $3,125 |
Cheap White Cloud, Michigan Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in White Cloud, Michigan is not easy. Compare the annual rates for DUI auto insurance in White Cloud, Michigan to find the best deal.
Annual Auto Insurance Rates After a DUI in White Cloud, Michigan
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $44,083 |
| Farmers | $6,159 |
| Geico | $12,663 |
| Liberty Mutual | $30,874 |
| Nationwide | $7,471 |
| Progressive | $5,311 |
| State Farm | $18,018 |
| Travelers | $10,331 |
| USAA | $4,682 |
Cheap White Cloud, Michigan Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how White Cloud, Michigan annual auto insurance rates by credit history compare.
Annual Auto Insurance Rates by Credit Score in White Cloud, Michigan
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $30,569 | $16,939 | $12,993 |
| Farmers | $7,725 | $5,077 | $4,682 |
| Geico | $7,263 | $5,341 | $4,346 |
| Liberty Mutual | $31,844 | $18,386 | $10,145 |
| Nationwide | $9,004 | $6,790 | $5,771 |
| Progressive | $6,122 | $5,152 | $4,652 |
| State Farm | $17,863 | $9,044 | $6,145 |
| Travelers | $6,813 | $6,608 | $6,525 |
| USAA | $5,333 | $3,035 | $2,314 |
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Cheap White Cloud, Michigan Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in White Cloud, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in White Cloud, Michigan to see how car insurance rates are affected by location.
Annual Auto Insurance Rates by ZIP Code in White Cloud, Michigan
| ZIP Code | Average Annual Rates |
|---|---|
| 49349 | $6,667 |
Cheap White Cloud, Michigan Auto Insurance Rates By Commute
Commute length and annual mileage affect White Cloud, Michigan auto insurance. Find the cheapest annual White Cloud, Michigan auto insurance by commute length.
Annual Auto Insurance Rates by Commute Length in White Cloud, Michigan
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $20,167 | $20,167 |
| Farmers | $5,828 | $5,828 |
| Geico | $5,519 | $5,781 |
| Liberty Mutual | $19,417 | $20,833 |
| Nationwide | $7,189 | $7,189 |
| Progressive | $5,309 | $5,309 |
| State Farm | $10,727 | $11,308 |
| Travelers | $6,611 | $6,686 |
| USAA | $3,520 | $3,601 |
Cheap White Cloud, Michigan Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in White Cloud, Michigan? Check out the comparison of annual White Cloud, Michigan auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in White Cloud, Michigan
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $19,727 | $20,206 | $20,568 |
| Farmers | $5,685 | $5,815 | $5,984 |
| Geico | $5,304 | $5,602 | $6,044 |
| Liberty Mutual | $19,708 | $20,084 | $20,583 |
| Nationwide | $7,537 | $7,062 | $6,967 |
| Progressive | $5,143 | $5,316 | $5,467 |
| State Farm | $10,510 | $11,080 | $11,463 |
| Travelers | $6,575 | $6,656 | $6,715 |
| USAA | $3,463 | $3,568 | $3,650 |
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Best By Category: Cheapest Auto Insurance in White Cloud, Michigan
Compare the cheapest auto insurance companies in White Cloud, Michigan in each category to find the company with the best rates for your personal needs.
Best Annual Auto Insurance Rates by Company in White Cloud, Michigan
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
The Cheapest White Cloud, Michigan Auto Insurance Companies
What auto insurance companies in White Cloud, Michigan are the cheapest? Compare the top White Cloud, Michigan auto insurance companies to find the best annual rates.
Average Annual Auto Insurance Rates by Company in White Cloud, Michigan
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $20,167 |
| Farmers | $5,828 |
| Geico | $5,650 |
| Liberty Mutual | $20,125 |
| Nationwide | $7,189 |
| Progressive | $5,309 |
| State Farm | $11,017 |
| Travelers | $6,649 |
| USAA | $3,561 |
What affects auto insurance rates in White Cloud, Michigan?
There are a lot of reasons why auto insurance rates in White Cloud, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in White Cloud, Michigan. Many local factors may affect your White Cloud auto insurance rates.
White Cloud Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual White Cloud, Michigan auto theft statistics, there have been 3 auto thefts in the city.
White Cloud Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average White Cloud, Michigan commute length is 25.6 minutes according to City-Data.
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Compare White Cloud, Michigan Auto Insurance Quotes
Before you buy White Cloud, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free White Cloud, Michigan auto insurance quotes.
Frequently Asked Questions
What is the average auto insurance rate in White Cloud, MI?
The average auto insurance rates in White Cloud, MI are $792 per month.
What is the minimum auto insurance coverage required in White Cloud, MI?
The minimum auto insurance coverage required in White Cloud, MI is 20/40/10, as per Michigan auto insurance laws. This means you need at least $20,000 in bodily injury liability coverage per person, $40,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage.
What are the auto insurance rates for teen drivers in White Cloud, MI?
Auto insurance rates for teen drivers in White Cloud, MI can be relatively high. The specific rates may vary depending on the insurance company, but it’s important to compare quotes to find the best option. Rates can range from $6,054 to $36,902 annually for single 17-year-olds.
How about auto insurance rates for seniors in White Cloud, MI?
Auto insurance rates for seniors in White Cloud, MI can vary depending on the insurance company. The average annual rates for married 60-year-old drivers range from $2,317 to $14,804.
How do ZIP codes impact auto insurance rates in White Cloud, MI?
Auto insurance rates can vary by ZIP code in White Cloud, MI. Factors such as population density, crime rates, and accident statistics in a specific area can influence the rates.
How does commute length affect auto insurance rates in White Cloud, MI?
Commute length and annual mileage can impact auto insurance rates in White Cloud, MI. Generally, longer commutes and higher annual mileage may lead to higher rates compared to shorter commutes and lower mileage.
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