Best Cheap Auto Insurance in Battle Creek, MI (2021)

The average Battle Creek, MI auto insurance rates are $760 per month. The minimum auto insurance in Battle Creek is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Battle Creek, 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 cheapest auto insurance company in Battle Creek is USAA
  • The average commute length in Battle Creek is 18.6 minutes
  • Average auto insurance rates in Battle Creek, MI for senior drivers are $6,013 per year

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

Compare auto insurance in Battle Creek to other Michigan cities, including Flint auto insurance rates, Dearborn auto insurance rates, and Warren auto insurance rates to see how Battle Creek, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Battle Creek, Michigan

Battle Creek, 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 Battle Creek, Michigan.

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

Auto insurance rates in Battle Creek, 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 Battle Creek, 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 $14,256 $14,256 $13,188 $13,188 $36,026 $36,026 $15,033 $15,033
Farmers $4,243 $4,243 $3,961 $3,961 $9,386 $9,386 $4,775 $4,775
GEICO $5,272 $5,272 $5,344 $5,344 $14,807 $14,807 $5,046 $5,046
Liberty Mutual $13,407 $13,407 $13,275 $13,275 $31,386 $31,386 $13,407 $13,407
Nationwide $3,263 $3,263 $2,912 $2,912 $8,456 $8,456 $3,568 $3,568
Progressive $2,828 $2,637 $2,503 $2,779 $10,415 $11,144 $3,290 $3,066
State Farm $6,430 $6,430 $5,960 $5,960 $22,649 $22,649 $7,561 $7,561
Travelers $5,474 $5,474 $4,697 $4,697 $16,530 $16,530 $5,948 $5,948
USAA $2,334 $2,215 $2,197 $2,077 $5,702 $5,431 $2,841 $2,731

Cheap Battle Creek, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Battle Creek, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,026 $36,026
Farmers $9,386 $9,386
GEICO $14,807 $14,807
Liberty Mutual $31,386 $31,386
Nationwide $8,456 $8,456
Progressive $10,415 $11,144
State Farm $22,649 $22,649
Travelers $16,530 $16,530
USAA $5,702 $5,431

Cheap Battle Creek, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Battle Creek, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,188 $13,188
Farmers $3,961 $3,961
GEICO $5,344 $5,344
Liberty Mutual $13,275 $13,275
Nationwide $2,912 $2,912
Progressive $2,503 $2,779
State Farm $5,960 $5,960
Travelers $4,697 $4,697
USAA $2,197 $2,077

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

Annual Battle Creek, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,635 $12,824 $42,616 $13,426
Farmers $4,696 $5,983 $5,909 $5,777
GEICO $2,666 $5,650 $17,199 $4,954
Liberty Mutual $12,364 $15,034 $28,154 $15,923
Nationwide $3,920 $5,166 $4,721 $4,393
Progressive $4,111 $5,376 $4,831 $5,013
State Farm $6,734 $8,096 $17,630 $10,139
Travelers $5,532 $7,889 $12,690 $6,538
USAA $2,573 $3,203 $4,186 $2,802

Cheap Battle Creek, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Battle Creek, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $42,616
Farmers $5,909
GEICO $17,199
Liberty Mutual $28,154
Nationwide $4,721
Progressive $4,831
State Farm $17,630
Travelers $12,690
USAA $4,186

Cheap Battle Creek, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Battle Creek, Michigan

Insurance Company Poor Fair Good
Allstate $29,692 $16,472 $12,712
Farmers $7,402 $4,876 $4,496
GEICO $9,813 $7,196 $5,843
Liberty Mutual $28,255 $16,325 $9,025
Nationwide $5,654 $4,306 $3,689
Progressive $5,561 $4,695 $4,243
State Farm $17,262 $8,743 $5,944
Travelers $8,365 $8,112 $8,010
USAA $4,754 $2,729 $2,090

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Cheap Battle Creek, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Battle Creek, Michigan

ZIP Code Average Annual Rates
49014 $6,324
49015 $6,084
49017 $6,455
49037 $7,085

Cheap Battle Creek, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Battle Creek, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $19,625 $19,625
Farmers $5,591 $5,591
GEICO $7,440 $7,794
Liberty Mutual $17,258 $18,480
Nationwide $4,550 $4,550
Progressive $4,833 $4,833
State Farm $10,372 $10,927
Travelers $8,115 $8,209
USAA $3,155 $3,227

Cheap Battle Creek, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Battle Creek, Michigan

Insurance Company Low Medium High
Allstate $19,151 $19,668 $20,058
Farmers $5,473 $5,581 $5,720
GEICO $7,234 $7,566 $8,051
Liberty Mutual $17,488 $17,832 $18,286
Nationwide $4,740 $4,478 $4,432
Progressive $4,698 $4,838 $4,963
State Farm $10,160 $10,710 $11,080
Travelers $8,078 $8,170 $8,239
USAA $3,096 $3,198 $3,279

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Best By Category: Cheapest Auto Insurance in Battle Creek, Michigan

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

Best Annual Auto Insurance Rates by Company in Battle Creek, Michigan

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

The Cheapest Battle Creek, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Battle Creek, Michigan

Insurance Company Average Annual Rates
Allstate $19,625
Farmers $5,591
GEICO $7,617
Liberty Mutual $17,869
Nationwide $4,550
Progressive $4,833
State Farm $10,650
Travelers $8,162
USAA $3,191

What affects auto insurance rates in Battle Creek, Michigan?

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

Battle Creek Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Battle Creek, Michigan auto theft statistics, there have been 77 auto thefts in the city.

Battle Creek Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Battle Creek, Michigan commute length is 18.6 minutes according to City-Data.

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Compare Battle Creek, Michigan Auto Insurance Quotes

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