Best Cheap Auto Insurance in Chatham, MI (2021)

The average Chatham, MI auto insurance rates are $743 per month. The minimum auto insurance in Chatham is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Chatham, 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 Chatham is 26.4 minutes
  • The most expensive auto insurance company in Chatham for teen drivers is Allstate
  • The cheapest auto insurance company in Chatham is USAA

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

Compare auto insurance in Chatham to other Michigan cities, including Flint auto insurance rates, Sterling Heights auto insurance rates, and Livonia auto insurance rates to see how Chatham, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Chatham, Michigan

Chatham, 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 Chatham, Michigan.

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

Auto insurance rates in Chatham, 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 Chatham, 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 $14,412 $14,412 $13,431 $13,431 $34,530 $34,530 $15,163 $15,163
Farmers $3,895 $3,895 $3,641 $3,641 $8,499 $8,499 $4,364 $4,364
GEICO $3,500 $3,500 $3,539 $3,539 $9,818 $9,818 $3,353 $3,353
Liberty Mutual $12,802 $12,802 $12,673 $12,673 $30,473 $30,473 $12,802 $12,802
Nationwide $3,742 $3,742 $3,325 $3,325 $9,836 $9,836 $4,099 $4,099
Progressive $3,248 $3,026 $2,856 $3,195 $11,635 $12,372 $3,787 $3,505
State Farm $7,072 $7,072 $6,545 $6,545 $24,467 $24,467 $8,288 $8,288
Travelers $5,193 $5,193 $4,461 $4,461 $15,616 $15,616 $5,639 $5,639
USAA $2,587 $2,452 $2,431 $2,299 $6,217 $5,902 $3,146 $3,020

Cheap Chatham, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Chatham, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $34,530 $34,530
Farmers $8,499 $8,499
GEICO $9,818 $9,818
Liberty Mutual $30,473 $30,473
Nationwide $9,836 $9,836
Progressive $11,635 $12,372
State Farm $24,467 $24,467
Travelers $15,616 $15,616
USAA $6,217 $5,902

Cheap Chatham, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Chatham, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,431 $13,431
Farmers $3,641 $3,641
GEICO $3,539 $3,539
Liberty Mutual $12,673 $12,673
Nationwide $3,325 $3,325
Progressive $2,856 $3,195
State Farm $6,545 $6,545
Travelers $4,461 $4,461
USAA $2,431 $2,299

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

Annual Chatham, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,561 $12,794 $41,923 $13,257
Farmers $4,297 $5,455 $5,388 $5,259
GEICO $1,820 $3,770 $11,304 $3,316
Liberty Mutual $12,187 $14,583 $26,480 $15,500
Nationwide $4,513 $5,964 $5,456 $5,070
Progressive $4,616 $6,068 $5,461 $5,668
State Farm $7,450 $8,891 $18,978 $11,053
Travelers $5,235 $7,468 $12,018 $6,188
USAA $2,825 $3,517 $4,608 $3,078

Cheap Chatham, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Chatham, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $41,923
Farmers $5,388
GEICO $11,304
Liberty Mutual $26,480
Nationwide $5,456
Progressive $5,461
State Farm $18,978
Travelers $12,018
USAA $4,608

Cheap Chatham, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Chatham, Michigan

Insurance Company Poor Fair Good
Allstate $29,571 $16,285 $12,295
Farmers $6,732 $4,453 $4,114
GEICO $6,489 $4,777 $3,891
Liberty Mutual $27,174 $15,706 $8,682
Nationwide $6,547 $4,963 $4,242
Progressive $6,314 $5,290 $4,755
State Farm $18,806 $9,513 $6,459
Travelers $7,919 $7,680 $7,583
USAA $5,248 $2,994 $2,279

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Cheap Chatham, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Chatham, Michigan

ZIP Code Average Annual Rates
49816 $6,287

Cheap Chatham, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Chatham, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $19,384 $19,384
Farmers $5,100 $5,100
GEICO $4,936 $5,170
Liberty Mutual $16,587 $17,788
Nationwide $5,251 $5,251
Progressive $5,453 $5,453
State Farm $11,276 $11,910
Travelers $7,683 $7,771
USAA $3,466 $3,547

Cheap Chatham, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Chatham, Michigan

Insurance Company Low Medium High
Allstate $18,944 $19,423 $19,784
Farmers $4,971 $5,090 $5,239
GEICO $4,728 $5,009 $5,421
Liberty Mutual $16,785 $17,149 $17,629
Nationwide $5,484 $5,164 $5,104
Progressive $5,298 $5,459 $5,602
State Farm $11,002 $11,666 $12,110
Travelers $7,640 $7,737 $7,805
USAA $3,410 $3,515 $3,596

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Best By Category: Cheapest Auto Insurance in Chatham, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Chatham, Michigan

Insurance Company Average Annual Rates
Allstate $19,384
Farmers $5,100
GEICO $5,053
Liberty Mutual $17,188
Nationwide $5,251
Progressive $5,453
State Farm $11,593
Travelers $7,727
USAA $3,507

What affects auto insurance rates in Chatham, Michigan?

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

Chatham Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Chatham, Michigan commute length is 26.4 minutes according to City-Data.

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Compare Chatham, Michigan Auto Insurance Quotes

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