Best Cheap Auto Insurance in Berrien Springs, MI (2021)

The average Berrien Springs, MI auto insurance rates are $729 per month. The minimum auto insurance in Berrien Springs is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Berrien Springs, 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 Berrien Springs for teen drivers is Allstate
  • The average commute length in Berrien Springs is 24.2 minutes
  • The cheapest auto insurance company in Berrien Springs is USAA

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

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

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

Minimum Auto Insurance in Berrien Springs, Michigan

Berrien Springs, 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 Berrien Springs, Michigan.

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

Auto insurance rates in Berrien Springs, 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 Berrien Springs, 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 $14,600 $14,600 $13,590 $13,590 $36,020 $36,020 $15,375 $15,375
Farmers $3,674 $3,674 $3,431 $3,431 $8,234 $8,234 $4,130 $4,130
GEICO $3,525 $3,525 $3,621 $3,621 $10,095 $10,095 $3,370 $3,370
Liberty Mutual $12,179 $12,179 $12,062 $12,062 $28,240 $28,240 $12,179 $12,179
Nationwide $3,627 $3,627 $3,244 $3,244 $9,368 $9,368 $3,968 $3,968
Progressive $3,098 $2,870 $2,740 $3,063 $11,434 $12,172 $3,604 $3,317
State Farm $7,291 $7,291 $6,794 $6,794 $25,939 $25,939 $8,570 $8,570
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,565 $2,424 $2,416 $2,279 $6,230 $5,899 $3,117 $2,981

Cheap Berrien Springs, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Berrien Springs, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,020 $36,020
Farmers $8,234 $8,234
GEICO $10,095 $10,095
Liberty Mutual $28,240 $28,240
Nationwide $9,368 $9,368
Progressive $11,434 $12,172
State Farm $25,939 $25,939
Travelers $13,395 $13,395
USAA $6,230 $5,899

Cheap Berrien Springs, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Berrien Springs, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,590 $13,590
Farmers $3,431 $3,431
GEICO $3,621 $3,621
Liberty Mutual $12,062 $12,062
Nationwide $3,244 $3,244
Progressive $2,740 $3,063
State Farm $6,794 $6,794
Travelers $3,858 $3,858
USAA $2,416 $2,279

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

Annual Berrien Springs, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,604 $12,880 $43,593 $13,507
Farmers $4,094 $5,210 $5,145 $5,020
GEICO $1,795 $3,844 $11,633 $3,338
Liberty Mutual $11,060 $13,540 $25,747 $14,313
Nationwide $4,333 $5,766 $5,239 $4,868
Progressive $4,477 $5,894 $5,296 $5,483
State Farm $7,647 $9,212 $20,174 $11,561
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,808 $3,502 $4,588 $3,058

Cheap Berrien Springs, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Berrien Springs, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $43,593
Farmers $5,145
GEICO $11,633
Liberty Mutual $25,747
Nationwide $5,239
Progressive $5,296
State Farm $20,174
Travelers $10,331
USAA $4,588

Cheap Berrien Springs, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Berrien Springs, Michigan

Insurance Company Poor Fair Good
Allstate $30,165 $16,740 $12,783
Farmers $6,415 $4,257 $3,930
GEICO $6,619 $4,871 $3,967
Liberty Mutual $25,550 $14,772 $8,173
Nationwide $6,307 $4,775 $4,073
Progressive $6,097 $5,137 $4,627
State Farm $19,715 $9,967 $6,764
Travelers $6,813 $6,608 $6,525
USAA $5,208 $2,984 $2,274

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Cheap Berrien Springs, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Berrien Springs, Michigan

ZIP Code Average Annual Rates
49103 $6,124
49104 $6,171

Cheap Berrien Springs, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Berrien Springs, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $19,896 $19,896
Farmers $4,867 $4,867
GEICO $5,037 $5,268
Liberty Mutual $15,619 $16,711
Nationwide $5,052 $5,052
Progressive $5,287 $5,287
State Farm $11,817 $12,480
Travelers $6,611 $6,686
USAA $3,449 $3,529

Cheap Berrien Springs, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Berrien Springs, Michigan

Insurance Company Low Medium High
Allstate $19,285 $19,950 $20,453
Farmers $4,746 $4,857 $5,000
GEICO $4,771 $5,102 $5,584
Liberty Mutual $15,685 $16,118 $16,693
Nationwide $5,210 $4,987 $4,957
Progressive $5,112 $5,295 $5,454
State Farm $11,511 $12,227 $12,707
Travelers $6,575 $6,656 $6,715
USAA $3,369 $3,500 $3,599

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Best By Category: Cheapest Auto Insurance in Berrien Springs, Michigan

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

Best Annual Auto Insurance Rates by Company in Berrien Springs, 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 Berrien Springs, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Berrien Springs, Michigan

Insurance Company Average Annual Rates
Allstate $19,896
Farmers $4,867
GEICO $5,153
Liberty Mutual $16,165
Nationwide $5,052
Progressive $5,287
State Farm $12,149
Travelers $6,649
USAA $3,489

What affects auto insurance rates in Berrien Springs, Michigan?

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

Berrien Springs Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Berrien Springs, Michigan commute length is 24.2 minutes according to City-Data.

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Compare Berrien Springs, Michigan Auto Insurance Quotes

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