Best Cheap Auto Insurance in Bay Shore, MI (2021)

The average Bay Shore, MI auto insurance rates are $876 per month. The minimum auto insurance in Bay Shore is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Bay Shore, 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 minimum auto insurance required in Bay Shore, Michigan is 20/40/10
  • The average commute length in Bay Shore is 19.8 minutes
  • The cheapest auto insurance company in Bay Shore is USAA

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

Compare auto insurance in Bay Shore to other Michigan cities, including Lansing auto insurance rates, Dearborn auto insurance rates, and Detroit auto insurance rates to see how Bay Shore, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Bay Shore, Michigan

Bay Shore, 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 Bay Shore, Michigan.

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

Auto insurance rates in Bay Shore, 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 Bay Shore, 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 $18,178 $18,178 $17,007 $17,007 $43,020 $43,020 $19,109 $19,109
Farmers $3,846 $3,846 $3,590 $3,590 $8,851 $8,851 $4,326 $4,326
GEICO $9,615 $9,615 $9,664 $9,664 $26,764 $26,764 $9,205 $9,205
Liberty Mutual $13,423 $13,423 $13,290 $13,290 $31,542 $31,542 $13,423 $13,423
Nationwide $4,680 $4,680 $4,166 $4,166 $12,064 $12,064 $5,117 $5,117
Progressive $3,038 $2,841 $2,680 $2,979 $11,124 $11,910 $3,547 $3,315
State Farm $6,290 $6,290 $5,806 $5,806 $21,782 $21,782 $7,383 $7,383
Travelers $5,348 $5,348 $4,589 $4,589 $16,137 $16,137 $5,811 $5,811
USAA $2,473 $2,364 $2,321 $2,207 $6,108 $5,869 $3,037 $2,945

Cheap Bay Shore, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Bay Shore, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,020 $43,020
Farmers $8,851 $8,851
GEICO $26,764 $26,764
Liberty Mutual $31,542 $31,542
Nationwide $12,064 $12,064
Progressive $11,124 $11,910
State Farm $21,782 $21,782
Travelers $16,137 $16,137
USAA $6,108 $5,869

Cheap Bay Shore, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Bay Shore, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,007 $17,007
Farmers $3,590 $3,590
GEICO $9,664 $9,664
Liberty Mutual $13,290 $13,290
Nationwide $4,166 $4,166
Progressive $2,680 $2,979
State Farm $5,806 $5,806
Travelers $4,589 $4,589
USAA $2,321 $2,207

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

Annual Bay Shore, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,781 $15,856 $53,166 $16,511
Farmers $4,327 $5,524 $5,447 $5,315
GEICO $4,814 $10,195 $31,253 $8,986
Liberty Mutual $12,457 $15,103 $28,109 $16,009
Nationwide $5,553 $7,442 $6,765 $6,267
Progressive $4,399 $5,761 $5,179 $5,378
State Farm $6,605 $7,896 $16,929 $9,831
Travelers $5,408 $7,706 $12,382 $6,390
USAA $2,750 $3,422 $4,492 $2,998

Cheap Bay Shore, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Bay Shore, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $53,166
Farmers $5,447
GEICO $31,253
Liberty Mutual $28,109
Nationwide $6,765
Progressive $5,179
State Farm $16,929
Travelers $12,382
USAA $4,492

Cheap Bay Shore, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Bay Shore, Michigan

Insurance Company Poor Fair Good
Allstate $37,251 $20,462 $15,271
Farmers $6,736 $4,531 $4,193
GEICO $17,840 $13,040 $10,556
Liberty Mutual $28,338 $16,372 $9,047
Nationwide $8,198 $6,128 $5,194
Progressive $5,971 $5,028 $4,539
State Farm $16,715 $8,470 $5,761
Travelers $8,169 $7,922 $7,822
USAA $5,106 $2,910 $2,231

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Cheap Bay Shore, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Bay Shore, Michigan

ZIP Code Average Annual Rates
49711 $7,473

Cheap Bay Shore, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Bay Shore, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $24,328 $24,328
Farmers $5,153 $5,153
GEICO $13,483 $14,141
Liberty Mutual $17,304 $18,535
Nationwide $6,507 $6,507
Progressive $5,179 $5,179
State Farm $10,047 $10,584
Travelers $7,926 $8,017
USAA $3,377 $3,454

Cheap Bay Shore, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Bay Shore, Michigan

Insurance Company Low Medium High
Allstate $23,774 $24,378 $24,834
Farmers $5,007 $5,141 $5,312
GEICO $13,313 $13,749 $14,375
Liberty Mutual $17,501 $17,878 $18,379
Nationwide $6,846 $6,388 $6,286
Progressive $5,035 $5,186 $5,317
State Farm $9,852 $10,372 $10,721
Travelers $7,889 $7,978 $8,047
USAA $3,316 $3,423 $3,507

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Best By Category: Cheapest Auto Insurance in Bay Shore, Michigan

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

Best Annual Auto Insurance Rates by Company in Bay Shore, 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 Bay Shore, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Bay Shore, Michigan

Insurance Company Average Annual Rates
Allstate $24,328
Farmers $5,153
GEICO $13,812
Liberty Mutual $17,919
Nationwide $6,507
Progressive $5,179
State Farm $10,315
Travelers $7,971
USAA $3,415

What affects auto insurance rates in Bay Shore, Michigan?

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

Bay Shore Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Bay Shore, Michigan commute length is 19.8 minutes according to City-Data.

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Compare Bay Shore, Michigan Auto Insurance Quotes

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