Best Cheap Auto Insurance in Chelsea, MI (2021)

The average Chelsea, MI auto insurance rates are $756 per month. The minimum auto insurance in Chelsea is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Chelsea, 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 Chelsea is 24.5 minutes
  • The cheapest auto insurance company in Chelsea is USAA
  • Average auto insurance rates in Chelsea, MI for senior drivers are $5,952 per year

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

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

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

Minimum Auto Insurance in Chelsea, Michigan

Chelsea, 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 Chelsea, Michigan.

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

Auto insurance rates in Chelsea, 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 Chelsea, 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 $14,861 $14,861 $13,713 $13,713 $38,401 $38,401 $15,688 $15,688
Farmers $3,905 $3,905 $3,646 $3,646 $8,852 $8,852 $4,393 $4,393
GEICO $3,955 $3,955 $4,063 $4,063 $11,589 $11,589 $3,789 $3,789
Liberty Mutual $13,502 $13,502 $13,369 $13,369 $31,726 $31,726 $13,502 $13,502
Nationwide $3,637 $3,637 $3,251 $3,251 $9,316 $9,316 $3,973 $3,973
Progressive $3,179 $2,929 $2,811 $3,163 $11,710 $12,401 $3,694 $3,363
State Farm $6,035 $6,035 $5,576 $5,576 $20,867 $20,867 $7,079 $7,079
Travelers $5,498 $5,498 $4,728 $4,728 $16,536 $16,536 $5,970 $5,970
USAA $2,447 $2,331 $2,300 $2,179 $6,076 $5,818 $2,998 $2,894

Cheap Chelsea, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Chelsea, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $38,401 $38,401
Farmers $8,852 $8,852
GEICO $11,589 $11,589
Liberty Mutual $31,726 $31,726
Nationwide $9,316 $9,316
Progressive $11,710 $12,401
State Farm $20,867 $20,867
Travelers $16,536 $16,536
USAA $6,076 $5,818

Cheap Chelsea, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Chelsea, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,713 $13,713
Farmers $3,646 $3,646
GEICO $4,063 $4,063
Liberty Mutual $13,369 $13,369
Nationwide $3,251 $3,251
Progressive $2,811 $3,163
State Farm $5,576 $5,576
Travelers $4,728 $4,728
USAA $2,300 $2,179

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

Annual Chelsea, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,107 $13,442 $44,987 $14,127
Farmers $4,366 $5,569 $5,494 $5,366
GEICO $2,010 $4,351 $13,258 $3,778
Liberty Mutual $12,534 $15,189 $28,276 $16,099
Nationwide $4,326 $5,753 $5,235 $4,862
Progressive $4,569 $6,035 $5,414 $5,607
State Farm $6,340 $7,575 $16,216 $9,426
Travelers $5,527 $7,904 $12,766 $6,536
USAA $2,722 $3,392 $4,442 $2,967

Cheap Chelsea, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Chelsea, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $44,987
Farmers $5,494
GEICO $13,258
Liberty Mutual $28,276
Nationwide $5,235
Progressive $5,414
State Farm $16,216
Travelers $12,766
USAA $4,442

Cheap Chelsea, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Chelsea, Michigan

Insurance Company Poor Fair Good
Allstate $31,120 $17,339 $13,538
Farmers $6,823 $4,559 $4,214
GEICO $7,522 $5,529 $4,497
Liberty Mutual $28,504 $16,469 $9,101
Nationwide $6,305 $4,764 $4,063
Progressive $6,246 $5,253 $4,719
State Farm $16,018 $8,122 $5,527
Travelers $8,386 $8,133 $8,031
USAA $5,049 $2,883 $2,209

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Cheap Chelsea, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Chelsea, Michigan

ZIP Code Average Annual Rates
48118 $6,469

Cheap Chelsea, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Chelsea, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $20,666 $20,666
Farmers $5,199 $5,199
GEICO $5,719 $5,979
Liberty Mutual $17,405 $18,644
Nationwide $5,044 $5,044
Progressive $5,406 $5,406
State Farm $9,630 $10,149
Travelers $8,137 $8,230
USAA $3,343 $3,418

Cheap Chelsea, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Chelsea, Michigan

Insurance Company Low Medium High
Allstate $20,013 $20,723 $21,261
Farmers $5,072 $5,189 $5,336
GEICO $5,482 $5,800 $6,265
Liberty Mutual $17,614 $17,984 $18,475
Nationwide $5,245 $4,969 $4,919
Progressive $5,256 $5,412 $5,551
State Farm $9,433 $9,945 $10,289
Travelers $8,098 $8,192 $8,260
USAA $3,284 $3,388 $3,469

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Best By Category: Cheapest Auto Insurance in Chelsea, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Chelsea, Michigan

Insurance Company Average Annual Rates
Allstate $20,666
Farmers $5,199
GEICO $5,849
Liberty Mutual $18,025
Nationwide $5,044
Progressive $5,406
State Farm $9,889
Travelers $8,183
USAA $3,380

What affects auto insurance rates in Chelsea, Michigan?

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

Chelsea Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Chelsea, Michigan auto theft statistics, there have been 1 auto thefts in the city.

Chelsea Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Chelsea, Michigan commute length is 24.5 minutes according to City-Data.

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Compare Chelsea, Michigan Auto Insurance Quotes

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