Best Cheap Auto Insurance in Birch Run, MI (2021)

The average Birch Run, MI auto insurance rates are $837 per month. The minimum auto insurance in Birch Run is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Birch Run, Michigan, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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

  • Average auto insurance rates in Birch Run, MI for senior drivers are $6,634 per year
  • The minimum auto insurance required in Birch Run, Michigan is 20/40/10
  • The cheapest auto insurance company in Birch Run is USAA

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

Compare auto insurance in Birch Run to other Michigan cities, including Detroit auto insurance rates, Sterling Heights auto insurance rates, and Lansing auto insurance rates to see how Birch Run, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Birch Run, Michigan

Birch Run, 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 Birch Run, Michigan.

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

Auto insurance rates in Birch Run, 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 Birch Run, 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 $12,837 $12,837 $11,854 $11,854 $32,814 $32,814 $13,545 $13,545
Farmers $11,217 $11,217 $10,408 $10,408 $23,718 $23,718 $12,666 $12,666
GEICO $3,875 $3,875 $3,952 $3,952 $10,627 $10,627 $3,700 $3,700
Liberty Mutual $12,294 $12,294 $12,175 $12,175 $28,516 $28,516 $12,294 $12,294
Nationwide $4,005 $4,005 $3,584 $3,584 $9,927 $9,927 $4,357 $4,357
Progressive $3,149 $2,897 $2,782 $3,135 $11,439 $12,080 $3,650 $3,312
State Farm $8,087 $8,087 $7,543 $7,543 $28,915 $28,915 $9,510 $9,510
Travelers $5,615 $5,615 $4,820 $4,820 $16,936 $16,936 $6,099 $6,099
USAA $2,632 $2,484 $2,480 $2,334 $6,492 $6,149 $3,205 $3,061

Cheap Birch Run, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Birch Run, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $32,814 $32,814
Farmers $23,718 $23,718
GEICO $10,627 $10,627
Liberty Mutual $28,516 $28,516
Nationwide $9,927 $9,927
Progressive $11,439 $12,080
State Farm $28,915 $28,915
Travelers $16,936 $16,936
USAA $6,492 $6,149

Cheap Birch Run, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Birch Run, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $11,854 $11,854
Farmers $10,408 $10,408
GEICO $3,952 $3,952
Liberty Mutual $12,175 $12,175
Nationwide $3,584 $3,584
Progressive $2,782 $3,135
State Farm $7,543 $7,543
Travelers $4,820 $4,820
USAA $2,480 $2,334

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

Annual Birch Run, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,745 $11,612 $38,520 $12,172
Farmers $12,096 $15,592 $15,354 $14,967
GEICO $1,959 $4,125 $12,464 $3,605
Liberty Mutual $11,174 $13,680 $25,963 $14,461
Nationwide $4,672 $6,251 $5,684 $5,267
Progressive $4,480 $5,920 $5,319 $5,503
State Farm $8,480 $10,231 $22,487 $12,857
Travelers $5,663 $8,086 $13,026 $6,695
USAA $2,897 $3,622 $4,742 $3,157

Cheap Birch Run, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Birch Run, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $38,520
Farmers $15,354
GEICO $12,464
Liberty Mutual $25,963
Nationwide $5,684
Progressive $5,319
State Farm $22,487
Travelers $13,026
USAA $4,742

Cheap Birch Run, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Birch Run, Michigan

Insurance Company Poor Fair Good
Allstate $26,812 $14,901 $11,574
Farmers $21,882 $11,237 $10,388
GEICO $7,119 $5,235 $4,261
Liberty Mutual $25,786 $14,914 $8,258
Nationwide $6,889 $5,147 $4,369
Progressive $6,138 $5,154 $4,625
State Farm $21,945 $11,083 $7,513
Travelers $8,575 $8,316 $8,211
USAA $5,387 $3,081 $2,346

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Cheap Birch Run, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Birch Run, Michigan

ZIP Code Average Annual Rates
48415 $7,138

Cheap Birch Run, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Birch Run, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $17,763 $17,763
Farmers $14,502 $14,502
GEICO $5,412 $5,664
Liberty Mutual $15,768 $16,871
Nationwide $5,468 $5,468
Progressive $5,306 $5,306
State Farm $13,142 $13,886
Travelers $8,320 $8,416
USAA $3,564 $3,646

Cheap Birch Run, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Birch Run, Michigan

Insurance Company Low Medium High
Allstate $17,293 $17,804 $18,191
Farmers $14,085 $14,465 $14,958
GEICO $5,214 $5,494 $5,907
Liberty Mutual $15,937 $16,282 $16,741
Nationwide $5,754 $5,370 $5,282
Progressive $5,135 $5,312 $5,471
State Farm $12,790 $13,603 $14,148
Travelers $8,281 $8,376 $8,446
USAA $3,483 $3,615 $3,715

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Best By Category: Cheapest Auto Insurance in Birch Run, Michigan

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

Best Annual Auto Insurance Rates by Company in Birch Run, 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 Birch Run, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Birch Run, Michigan

Insurance Company Average Annual Rates
Allstate $17,763
Farmers $14,502
GEICO $5,538
Liberty Mutual $16,320
Nationwide $5,468
Progressive $5,306
State Farm $13,514
Travelers $8,368
USAA $3,605

What affects auto insurance rates in Birch Run, Michigan?

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

Birch Run Auto Theft

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

Birch Run Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Birch Run, Michigan commute length is 19.4 minutes according to City-Data.

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Compare Birch Run, Michigan Auto Insurance Quotes

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