Best Cheap Auto Insurance in Caro, MI (2021)

The average Caro, MI auto insurance rates are $830 per month. The minimum auto insurance in Caro is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Caro, 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

  • Average auto insurance rates in Caro, MI for senior drivers are $6,588 per year
  • The cheapest auto insurance company in Caro is USAA
  • The minimum auto insurance required in Caro, Michigan is 20/40/10

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

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

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

Minimum Auto Insurance in Caro, Michigan

Caro, 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 Caro, Michigan.

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

Auto insurance rates in Caro, 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 Caro, 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 $16,403 $16,403 $15,223 $15,223 $41,052 $41,052 $17,286 $17,286
Farmers $4,590 $4,590 $4,284 $4,284 $9,966 $9,966 $5,145 $5,145
GEICO $4,035 $4,035 $4,080 $4,080 $10,969 $10,969 $3,854 $3,854
Liberty Mutual $15,122 $15,122 $14,972 $14,972 $35,654 $35,654 $15,122 $15,122
Nationwide $4,827 $4,827 $4,281 $4,281 $13,022 $13,022 $5,309 $5,309
Progressive $3,213 $2,974 $2,833 $3,185 $11,449 $12,098 $3,736 $3,411
State Farm $6,955 $6,955 $6,445 $6,445 $24,170 $24,170 $8,154 $8,154
Travelers $5,380 $5,380 $4,626 $4,626 $16,180 $16,180 $5,842 $5,842
USAA $2,592 $2,450 $2,439 $2,304 $6,202 $5,865 $3,145 $3,009

Cheap Caro, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Caro, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,052 $41,052
Farmers $9,966 $9,966
GEICO $10,969 $10,969
Liberty Mutual $35,654 $35,654
Nationwide $13,022 $13,022
Progressive $11,449 $12,098
State Farm $24,170 $24,170
Travelers $16,180 $16,180
USAA $6,202 $5,865

Cheap Caro, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Caro, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,223 $15,223
Farmers $4,284 $4,284
GEICO $4,080 $4,080
Liberty Mutual $14,972 $14,972
Nationwide $4,281 $4,281
Progressive $2,833 $3,185
State Farm $6,445 $6,445
Travelers $4,626 $4,626
USAA $2,439 $2,304

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

Annual Caro, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,909 $14,579 $49,169 $15,308
Farmers $5,052 $6,413 $6,341 $6,179
GEICO $2,062 $4,273 $12,848 $3,756
Liberty Mutual $14,122 $17,053 $31,609 $18,086
Nationwide $5,862 $7,847 $7,122 $6,607
Progressive $4,526 $5,974 $5,382 $5,567
State Farm $7,319 $8,750 $18,761 $10,895
Travelers $5,416 $7,736 $12,473 $6,404
USAA $2,820 $3,512 $4,600 $3,071

Cheap Caro, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Caro, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $49,169
Farmers $6,341
GEICO $12,848
Liberty Mutual $31,609
Nationwide $7,122
Progressive $5,382
State Farm $18,761
Travelers $12,473
USAA $4,600

Cheap Caro, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Caro, Michigan

Insurance Company Poor Fair Good
Allstate $34,102 $18,892 $14,479
Farmers $7,982 $5,208 $4,799
GEICO $7,373 $5,420 $4,410
Liberty Mutual $31,984 $18,471 $10,198
Nationwide $8,601 $6,478 $5,499
Progressive $6,216 $5,204 $4,666
State Farm $18,539 $9,382 $6,373
Travelers $8,206 $7,958 $7,858
USAA $5,234 $2,993 $2,275

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Cheap Caro, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Caro, Michigan

ZIP Code Average Annual Rates
48723 $7,008

Cheap Caro, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Caro, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $22,491 $22,491
Farmers $5,996 $5,996
GEICO $5,600 $5,868
Liberty Mutual $19,520 $20,916
Nationwide $6,860 $6,860
Progressive $5,362 $5,362
State Farm $11,120 $11,743
Travelers $7,961 $8,053
USAA $3,460 $3,541

Cheap Caro, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Caro, Michigan

Insurance Company Low Medium High
Allstate $21,873 $22,546 $23,054
Farmers $5,838 $5,982 $6,169
GEICO $5,371 $5,687 $6,145
Liberty Mutual $19,733 $20,169 $20,752
Nationwide $7,176 $6,744 $6,659
Progressive $5,177 $5,370 $5,539
State Farm $10,848 $11,503 $11,942
Travelers $7,920 $8,016 $8,086
USAA $3,393 $3,510 $3,600

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Best By Category: Cheapest Auto Insurance in Caro, Michigan

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

Best Annual Auto Insurance Rates by Company in Caro, 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 Caro, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Caro, Michigan

Insurance Company Average Annual Rates
Allstate $22,491
Farmers $5,996
GEICO $5,734
Liberty Mutual $20,218
Nationwide $6,860
Progressive $5,362
State Farm $11,431
Travelers $8,007
USAA $3,501

What affects auto insurance rates in Caro, Michigan?

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

Caro Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Caro, Michigan auto theft statistics, there have been 4 auto thefts in the city.

Caro Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Caro, Michigan commute length is 30.1 minutes according to City-Data.

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Compare Caro, Michigan Auto Insurance Quotes

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