Best Cheap Auto Insurance in Douglas, MI (2021)

The average Douglas, MI auto insurance rates are $728 per month. The minimum auto insurance in Douglas is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Douglas, 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 minimum auto insurance required in Douglas, Michigan is 20/40/10
  • Average auto insurance rates in Douglas, MI for senior drivers are $5,749 per year
  • The average commute length in Douglas is 17.3 minutes

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

Compare auto insurance in Douglas to other Michigan cities, including Detroit auto insurance rates, Warren auto insurance rates, and Troy auto insurance rates to see how Douglas, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Douglas, Michigan

Douglas, 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 Douglas, Michigan.

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

Auto insurance rates in Douglas, 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 Douglas, 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 $14,872 $14,872 $13,782 $13,782 $37,556 $37,556 $15,678 $15,678
Farmers $4,255 $4,255 $3,972 $3,972 $9,430 $9,430 $4,785 $4,785
GEICO $3,842 $3,842 $3,930 $3,930 $10,945 $10,945 $3,676 $3,676
Liberty Mutual $12,154 $12,154 $12,035 $12,035 $28,466 $28,466 $12,154 $12,154
Nationwide $4,147 $4,147 $3,680 $3,680 $11,181 $11,181 $4,558 $4,558
Progressive $2,924 $2,719 $2,586 $2,885 $10,687 $11,388 $3,401 $3,145
State Farm $5,819 $5,819 $5,398 $5,398 $20,435 $20,435 $6,837 $6,837
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,567 $2,446 $2,410 $2,284 $6,416 $6,151 $3,152 $3,047

Cheap Douglas, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Douglas, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $37,556 $37,556
Farmers $9,430 $9,430
GEICO $10,945 $10,945
Liberty Mutual $28,466 $28,466
Nationwide $11,181 $11,181
Progressive $10,687 $11,388
State Farm $20,435 $20,435
Travelers $13,395 $13,395
USAA $6,416 $6,151

Cheap Douglas, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Douglas, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,782 $13,782
Farmers $3,972 $3,972
GEICO $3,930 $3,930
Liberty Mutual $12,035 $12,035
Nationwide $3,680 $3,680
Progressive $2,586 $2,885
State Farm $5,398 $5,398
Travelers $3,858 $3,858
USAA $2,410 $2,284

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

Annual Douglas, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,917 $13,245 $44,795 $13,932
Farmers $4,714 $6,004 $5,930 $5,794
GEICO $1,955 $4,168 $12,638 $3,633
Liberty Mutual $11,234 $13,649 $25,467 $14,460
Nationwide $5,052 $6,718 $6,115 $5,681
Progressive $4,215 $5,530 $4,971 $5,153
State Farm $6,095 $7,322 $15,910 $9,162
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,862 $3,570 $4,682 $3,122

Cheap Douglas, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Douglas, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $44,795
Farmers $5,930
GEICO $12,638
Liberty Mutual $25,467
Nationwide $6,115
Progressive $4,971
State Farm $15,910
Travelers $10,331
USAA $4,682

Cheap Douglas, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Douglas, Michigan

Insurance Company Poor Fair Good
Allstate $30,993 $17,197 $13,226
Farmers $7,420 $4,896 $4,516
GEICO $7,196 $5,292 $4,307
Liberty Mutual $25,608 $14,806 $8,194
Nationwide $7,354 $5,572 $4,748
Progressive $5,727 $4,825 $4,350
State Farm $15,582 $7,904 $5,381
Travelers $6,813 $6,608 $6,525
USAA $5,326 $3,032 $2,319

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Cheap Douglas, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Douglas, Michigan

ZIP Code Average Annual Rates
49406 $6,204

Cheap Douglas, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Douglas, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $20,472 $20,472
Farmers $5,611 $5,611
GEICO $5,472 $5,724
Liberty Mutual $15,648 $16,757
Nationwide $5,892 $5,892
Progressive $4,967 $4,967
State Farm $9,371 $9,874
Travelers $6,611 $6,686
USAA $3,519 $3,599

Cheap Douglas, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Douglas, Michigan

Insurance Company Low Medium High
Allstate $19,989 $20,515 $20,912
Farmers $5,483 $5,599 $5,750
GEICO $5,250 $5,550 $5,995
Liberty Mutual $15,867 $16,170 $16,570
Nationwide $6,173 $5,789 $5,713
Progressive $4,820 $4,973 $5,109
State Farm $9,173 $9,678 $10,017
Travelers $6,575 $6,656 $6,715
USAA $3,459 $3,567 $3,651

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Best By Category: Cheapest Auto Insurance in Douglas, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Douglas, Michigan

Insurance Company Average Annual Rates
Allstate $20,472
Farmers $5,611
GEICO $5,598
Liberty Mutual $16,202
Nationwide $5,892
Progressive $4,967
State Farm $9,622
Travelers $6,649
USAA $3,559

What affects auto insurance rates in Douglas, Michigan?

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

Douglas Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Douglas, Michigan commute length is 17.3 minutes according to City-Data.

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Compare Douglas, Michigan Auto Insurance Quotes

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