Best Cheap Auto Insurance in Climax, MI (2021)

The average Climax, MI auto insurance rates are $747 per month. The minimum auto insurance in Climax is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Climax, 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 most expensive auto insurance company in Climax for teen drivers is Allstate
  • Average auto insurance rates in Climax, MI for senior drivers are $5,940 per year
  • The minimum auto insurance required in Climax, Michigan is 20/40/10

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

Compare auto insurance in Climax to other Michigan cities, including Ann Arbor auto insurance rates, Warren auto insurance rates, and Lansing auto insurance rates to see how Climax, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Climax, Michigan

Climax, 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 Climax, Michigan.

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

Auto insurance rates in Climax, 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 Climax, 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 $16,753 $16,753 $15,563 $15,563 $41,514 $41,514 $17,649 $17,649
Farmers $4,058 $4,058 $3,795 $3,795 $8,746 $8,746 $4,555 $4,555
GEICO $3,785 $3,785 $3,866 $3,866 $10,806 $10,806 $3,623 $3,623
Liberty Mutual $12,631 $12,631 $12,507 $12,507 $29,564 $29,564 $12,631 $12,631
Nationwide $3,893 $3,893 $3,457 $3,457 $10,180 $10,180 $4,262 $4,262
Progressive $3,005 $2,803 $2,649 $2,958 $10,822 $11,526 $3,502 $3,250
State Farm $5,955 $5,955 $5,509 $5,509 $20,747 $20,747 $6,993 $6,993
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,297 $2,199 $2,158 $2,053 $5,655 $5,441 $2,817 $2,736

Cheap Climax, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Climax, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,514 $41,514
Farmers $8,746 $8,746
GEICO $10,806 $10,806
Liberty Mutual $29,564 $29,564
Nationwide $10,180 $10,180
Progressive $10,822 $11,526
State Farm $20,747 $20,747
Travelers $13,395 $13,395
USAA $5,655 $5,441

Cheap Climax, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Climax, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,563 $15,563
Farmers $3,795 $3,795
GEICO $3,866 $3,866
Liberty Mutual $12,507 $12,507
Nationwide $3,457 $3,457
Progressive $2,649 $2,958
State Farm $5,509 $5,509
Travelers $3,858 $3,858
USAA $2,158 $2,053

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

Annual Climax, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,126 $14,871 $49,902 $15,579
Farmers $4,451 $5,653 $5,590 $5,459
GEICO $1,935 $4,112 $12,445 $3,588
Liberty Mutual $11,651 $14,167 $26,510 $15,005
Nationwide $4,679 $6,188 $5,664 $5,261
Progressive $4,298 $5,634 $5,066 $5,261
State Farm $6,246 $7,482 $16,139 $9,337
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,556 $3,175 $4,162 $2,785

Cheap Climax, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Climax, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $49,902
Farmers $5,590
GEICO $12,445
Liberty Mutual $26,510
Nationwide $5,664
Progressive $5,066
State Farm $16,139
Travelers $10,331
USAA $4,162

Cheap Climax, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Climax, Michigan

Insurance Company Poor Fair Good
Allstate $34,753 $19,209 $14,647
Farmers $7,042 $4,593 $4,230
GEICO $7,095 $5,218 $4,247
Liberty Mutual $26,611 $15,381 $8,508
Nationwide $6,806 $5,145 $4,393
Progressive $5,853 $4,915 $4,425
State Farm $15,875 $8,050 $5,478
Travelers $6,813 $6,608 $6,525
USAA $4,725 $2,703 $2,080

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Cheap Climax, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Climax, Michigan

ZIP Code Average Annual Rates
49034 $6,310

Cheap Climax, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Climax, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $22,870 $22,870
Farmers $5,288 $5,288
GEICO $5,395 $5,645
Liberty Mutual $16,258 $17,409
Nationwide $5,448 $5,448
Progressive $5,064 $5,064
State Farm $9,546 $10,056
Travelers $6,611 $6,686
USAA $3,134 $3,205

Cheap Climax, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Climax, Michigan

Insurance Company Low Medium High
Allstate $22,301 $22,921 $23,388
Farmers $5,177 $5,279 $5,409
GEICO $5,162 $5,471 $5,927
Liberty Mutual $16,431 $16,795 $17,275
Nationwide $5,691 $5,358 $5,296
Progressive $4,947 $5,069 $5,177
State Farm $9,356 $9,856 $10,191
Travelers $6,575 $6,656 $6,715
USAA $3,077 $3,177 $3,255

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Best By Category: Cheapest Auto Insurance in Climax, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Climax, Michigan

Insurance Company Average Annual Rates
Allstate $22,870
Farmers $5,288
GEICO $5,520
Liberty Mutual $16,833
Nationwide $5,448
Progressive $5,064
State Farm $9,801
Travelers $6,649
USAA $3,170

What affects auto insurance rates in Climax, Michigan?

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

Climax Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Climax, Michigan commute length is 26.3 minutes according to City-Data.

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Compare Climax, Michigan Auto Insurance Quotes

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