Best Cheap Auto Insurance in Big Rapids, MI (2021)

The average Big Rapids, MI auto insurance rates are $822 per month. The minimum auto insurance in Big Rapids is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Big Rapids, 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 average commute length in Big Rapids is 13.2 minutes
  • The most expensive auto insurance company in Big Rapids for teen drivers is Allstate
  • Average auto insurance rates in Big Rapids, MI for senior drivers are $6,518 per year

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

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

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

Minimum Auto Insurance in Big Rapids, Michigan

Big Rapids, 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 Big Rapids, Michigan.

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

Auto insurance rates in Big Rapids, 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 Big Rapids, 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 $16,758 $16,758 $15,566 $15,566 $41,506 $41,506 $17,653 $17,653
Farmers $4,395 $4,395 $4,103 $4,103 $9,526 $9,526 $4,935 $4,935
GEICO $3,882 $3,882 $3,946 $3,946 $10,816 $10,816 $3,712 $3,712
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 $3,099 $2,904 $2,731 $3,029 $11,343 $12,164 $3,622 $3,397
State Farm $7,199 $7,199 $6,659 $6,659 $25,000 $25,000 $8,445 $8,445
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,639 $2,479 $2,485 $2,336 $6,254 $5,870 $3,183 $3,023

Cheap Big Rapids, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Big Rapids, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,506 $41,506
Farmers $9,526 $9,526
GEICO $10,816 $10,816
Liberty Mutual $35,785 $35,785
Nationwide $13,754 $13,754
Progressive $11,343 $12,164
State Farm $25,000 $25,000
Travelers $13,395 $13,395
USAA $6,254 $5,870

Cheap Big Rapids, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Big Rapids, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,566 $15,566
Farmers $4,103 $4,103
GEICO $3,946 $3,946
Liberty Mutual $14,804 $14,804
Nationwide $4,440 $4,440
Progressive $2,731 $3,029
State Farm $6,659 $6,659
Travelers $3,858 $3,858
USAA $2,485 $2,336

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

Annual Big Rapids, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,140 $14,886 $49,871 $15,586
Farmers $4,829 $6,138 $6,065 $5,927
GEICO $1,983 $4,163 $12,564 $3,646
Liberty Mutual $14,339 $17,098 $30,874 $18,190
Nationwide $6,149 $8,203 $7,471 $6,931
Progressive $4,490 $5,877 $5,286 $5,490
State Farm $7,574 $9,053 $19,404 $11,271
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,847 $3,550 $4,638 $3,100

Cheap Big Rapids, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Big Rapids, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $49,871
Farmers $6,065
GEICO $12,564
Liberty Mutual $30,874
Nationwide $7,471
Progressive $5,286
State Farm $19,404
Travelers $10,331
USAA $4,638

Cheap Big Rapids, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Big Rapids, Michigan

Insurance Company Poor Fair Good
Allstate $34,761 $19,207 $14,645
Farmers $7,626 $4,992 $4,602
GEICO $7,185 $5,283 $4,300
Liberty Mutual $31,844 $18,386 $10,145
Nationwide $9,004 $6,790 $5,771
Progressive $6,095 $5,130 $4,633
State Farm $19,186 $9,704 $6,588
Travelers $6,813 $6,608 $6,525
USAA $5,287 $3,025 $2,289

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Cheap Big Rapids, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Big Rapids, Michigan

ZIP Code Average Annual Rates
49307 $6,888

Cheap Big Rapids, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Big Rapids, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $22,871 $22,871
Farmers $5,740 $5,740
GEICO $5,461 $5,717
Liberty Mutual $19,417 $20,833
Nationwide $7,189 $7,189
Progressive $5,286 $5,286
State Farm $11,507 $12,145
Travelers $6,611 $6,686
USAA $3,492 $3,575

Cheap Big Rapids, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Big Rapids, Michigan

Insurance Company Low Medium High
Allstate $22,308 $22,921 $23,383
Farmers $5,616 $5,729 $5,875
GEICO $5,247 $5,543 $5,979
Liberty Mutual $19,708 $20,084 $20,583
Nationwide $7,537 $7,062 $6,967
Progressive $5,132 $5,293 $5,434
State Farm $11,244 $11,898 $12,336
Travelers $6,575 $6,656 $6,715
USAA $3,437 $3,541 $3,623

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Best By Category: Cheapest Auto Insurance in Big Rapids, Michigan

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

Best Annual Auto Insurance Rates by Company in Big Rapids, 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 Big Rapids, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Big Rapids, Michigan

Insurance Company Average Annual Rates
Allstate $22,871
Farmers $5,740
GEICO $5,589
Liberty Mutual $20,125
Nationwide $7,189
Progressive $5,286
State Farm $11,826
Travelers $6,649
USAA $3,534

What affects auto insurance rates in Big Rapids, Michigan?

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

Big Rapids Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Big Rapids, Michigan auto theft statistics, there have been 6 auto thefts in the city.

Big Rapids Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Big Rapids, Michigan commute length is 13.2 minutes according to City-Data.

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Compare Big Rapids, Michigan Auto Insurance Quotes

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