Best Cheap Auto Insurance in Albion, MI (2021)

The average Albion, MI auto insurance rates are $740 per month. The minimum auto insurance in Albion is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Albion, Michigan, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Albion for teen drivers is Allstate
  • Average auto insurance rates in Albion, MI for senior drivers are $5,898 per year
  • The minimum auto insurance required in Albion, Michigan is 20/40/10

Albion, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Albion 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 Albion, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Albion to other Michigan cities, including Lansing auto insurance rates, Troy auto insurance rates, and Grand Rapids auto insurance rates to see how Albion, Michigan auto insurance rates stack up.

Before you buy Albion, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Albion, Michigan auto insurance quotes.

Minimum Auto Insurance in Albion, Michigan

Albion, 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 Albion, Michigan.

Minimum Required Auto Insurance Coverage in Albion, 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 Albion, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Albion, 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 Albion, 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 $15,206 $15,206 $14,155 $14,155 $36,908 $36,908 $16,005 $16,005
Farmers $3,955 $3,955 $3,682 $3,682 $9,017 $9,017 $4,454 $4,454
GEICO $3,828 $3,828 $3,897 $3,897 $10,882 $10,882 $3,664 $3,664
Liberty Mutual $13,546 $13,546 $13,410 $13,410 $32,119 $32,119 $13,546 $13,546
Nationwide $3,916 $3,916 $3,483 $3,483 $10,196 $10,196 $4,285 $4,285
Progressive $2,866 $2,685 $2,526 $2,809 $10,216 $10,904 $3,338 $3,119
State Farm $6,276 $6,276 $5,777 $5,777 $21,345 $21,345 $7,348 $7,348
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,352 $2,239 $2,212 $2,097 $5,723 $5,466 $2,869 $2,767

Cheap Albion, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Albion, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Albion, Michigan.

Annual Auto Insurance Rates for Teen Drivers in Albion, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,908 $36,908
Farmers $9,017 $9,017
GEICO $10,882 $10,882
Liberty Mutual $32,119 $32,119
Nationwide $10,196 $10,196
Progressive $10,216 $10,904
State Farm $21,345 $21,345
Travelers $13,395 $13,395
USAA $5,723 $5,466

Cheap Albion, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in Albion, Michigan? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Albion, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $14,155 $14,155
Farmers $3,682 $3,682
GEICO $3,897 $3,897
Liberty Mutual $13,410 $13,410
Nationwide $3,483 $3,483
Progressive $2,526 $2,809
State Farm $5,777 $5,777
Travelers $3,858 $3,858
USAA $2,212 $2,097

Cheap Albion, 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 Albion, Michigan compared to the annual auto insurance rates with a clean record in Albion, Michigan.

Annual Albion, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,076 $13,483 $44,679 $14,036
Farmers $4,430 $5,653 $5,571 $5,454
GEICO $1,963 $4,147 $12,534 $3,626
Liberty Mutual $12,802 $15,368 $28,128 $16,322
Nationwide $4,693 $6,223 $5,685 $5,279
Progressive $4,088 $5,339 $4,809 $4,995
State Farm $6,616 $7,858 $16,551 $9,721
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,593 $3,224 $4,220 $2,824

Cheap Albion, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Albion, Michigan is not easy. Compare the annual rates for DUI auto insurance in Albion, Michigan to find the best deal.

Annual Auto Insurance Rates After a DUI in Albion, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $44,679
Farmers $5,571
GEICO $12,534
Liberty Mutual $28,128
Nationwide $5,685
Progressive $4,809
State Farm $16,551
Travelers $10,331
USAA $4,220

Cheap Albion, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Albion, Michigan annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Albion, Michigan

Insurance Company Poor Fair Good
Allstate $31,333 $17,282 $13,091
Farmers $6,884 $4,645 $4,302
GEICO $7,157 $5,263 $4,283
Liberty Mutual $28,710 $16,587 $9,167
Nationwide $6,841 $5,165 $4,405
Progressive $5,553 $4,664 $4,206
State Farm $16,504 $8,365 $5,690
Travelers $6,813 $6,608 $6,525
USAA $4,795 $2,747 $2,105

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Cheap Albion, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Albion, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Albion, Michigan to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Albion, Michigan

ZIP Code Average Annual Rates
49224 $6,220

Cheap Albion, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect Albion, Michigan auto insurance. Find the cheapest annual Albion, Michigan auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Albion, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $20,569 $20,569
Farmers $5,277 $5,277
GEICO $5,440 $5,695
Liberty Mutual $17,524 $18,786
Nationwide $5,470 $5,470
Progressive $4,808 $4,808
State Farm $9,916 $10,457
Travelers $6,611 $6,686
USAA $3,179 $3,252

Cheap Albion, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Albion, Michigan? Check out the comparison of annual Albion, Michigan auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Albion, Michigan

Insurance Company Low Medium High
Allstate $20,108 $20,609 $20,988
Farmers $5,166 $5,268 $5,397
GEICO $5,210 $5,519 $5,974
Liberty Mutual $17,752 $18,116 $18,596
Nationwide $5,725 $5,377 $5,308
Progressive $4,685 $4,812 $4,926
State Farm $9,715 $10,244 $10,600
Travelers $6,575 $6,656 $6,715
USAA $3,122 $3,223 $3,302

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Best By Category: Cheapest Auto Insurance in Albion, Michigan

Compare the cheapest auto insurance companies in Albion, Michigan in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Albion, 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 Albion, Michigan Auto Insurance Companies

What auto insurance companies in Albion, Michigan are the cheapest? Compare the top Albion, Michigan auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Albion, Michigan

Insurance Company Average Annual Rates
Allstate $20,569
Farmers $5,277
GEICO $5,568
Liberty Mutual $18,155
Nationwide $5,470
Progressive $4,808
State Farm $10,186
Travelers $6,649
USAA $3,215

What affects auto insurance rates in Albion, Michigan?

There are a lot of reasons why auto insurance rates in Albion, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Albion, Michigan. Many local factors may affect your Albion auto insurance rates.

Albion Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Albion, Michigan auto theft statistics, there have been 16 auto thefts in the city.

Albion Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Albion, Michigan commute length is 19.1 minutes according to City-Data.

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Compare Albion, Michigan Auto Insurance Quotes

Before you buy Albion, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Albion, Michigan auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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