Best Cheap Auto Insurance in Elberta, MI (2021)

The average Elberta, MI auto insurance rates are $804 per month. The minimum auto insurance in Elberta is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Elberta, 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 Elberta, MI for senior drivers are $6,412 per year
  • The most expensive auto insurance company in Elberta for teen drivers is Allstate
  • The cheapest auto insurance company in Elberta is USAA

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

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

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

Minimum Auto Insurance in Elberta, Michigan

Elberta, 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 Elberta, Michigan.

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

Auto insurance rates in Elberta, 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 Elberta, 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 $18,178 $18,178 $17,007 $17,007 $43,020 $43,020 $19,109 $19,109
Farmers $4,198 $4,198 $3,914 $3,914 $9,206 $9,206 $4,711 $4,711
GEICO $3,785 $3,785 $3,839 $3,839 $10,689 $10,689 $3,624 $3,624
Liberty Mutual $12,825 $12,825 $12,695 $12,695 $30,474 $30,474 $12,825 $12,825
Nationwide $4,399 $4,399 $3,927 $3,927 $10,998 $10,998 $4,790 $4,790
Progressive $3,241 $3,012 $2,860 $3,197 $11,931 $12,718 $3,781 $3,494
State Farm $6,757 $6,757 $6,240 $6,240 $23,371 $23,371 $7,926 $7,926
Travelers $5,348 $5,348 $4,589 $4,589 $16,137 $16,137 $5,811 $5,811
USAA $2,700 $2,564 $2,535 $2,397 $6,652 $6,343 $3,302 $3,178

Cheap Elberta, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Elberta, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,020 $43,020
Farmers $9,206 $9,206
GEICO $10,689 $10,689
Liberty Mutual $30,474 $30,474
Nationwide $10,998 $10,998
Progressive $11,931 $12,718
State Farm $23,371 $23,371
Travelers $16,137 $16,137
USAA $6,652 $6,343

Cheap Elberta, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Elberta, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,007 $17,007
Farmers $3,914 $3,914
GEICO $3,839 $3,839
Liberty Mutual $12,695 $12,695
Nationwide $3,927 $3,927
Progressive $2,860 $3,197
State Farm $6,240 $6,240
Travelers $4,589 $4,589
USAA $2,535 $2,397

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

Annual Elberta, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,781 $15,856 $53,166 $16,511
Farmers $4,636 $5,892 $5,817 $5,684
GEICO $1,951 $4,088 $12,314 $3,585
Liberty Mutual $12,177 $14,582 $26,565 $15,494
Nationwide $5,143 $6,895 $6,270 $5,806
Progressive $4,680 $6,162 $5,535 $5,739
State Farm $7,106 $8,486 $18,146 $10,556
Travelers $5,408 $7,706 $12,382 $6,390
USAA $2,983 $3,722 $4,879 $3,253

Cheap Elberta, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Elberta, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $53,166
Farmers $5,817
GEICO $12,314
Liberty Mutual $26,565
Nationwide $6,270
Progressive $5,535
State Farm $18,146
Travelers $12,382
USAA $4,879

Cheap Elberta, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Elberta, Michigan

Insurance Company Poor Fair Good
Allstate $37,251 $20,462 $15,271
Farmers $7,272 $4,808 $4,441
GEICO $7,049 $5,185 $4,220
Liberty Mutual $27,202 $15,721 $8,691
Nationwide $7,610 $5,670 $4,805
Progressive $6,383 $5,369 $4,835
State Farm $17,955 $9,090 $6,176
Travelers $8,169 $7,922 $7,822
USAA $5,561 $3,160 $2,406

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Cheap Elberta, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Elberta, Michigan

ZIP Code Average Annual Rates
49628 $6,790

Cheap Elberta, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Elberta, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $24,328 $24,328
Farmers $5,507 $5,507
GEICO $5,358 $5,611
Liberty Mutual $16,605 $17,805
Nationwide $6,028 $6,028
Progressive $5,529 $5,529
State Farm $10,780 $11,367
Travelers $7,926 $8,017
USAA $3,667 $3,751

Cheap Elberta, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Elberta, Michigan

Insurance Company Low Medium High
Allstate $23,774 $24,378 $24,834
Farmers $5,382 $5,497 $5,643
GEICO $5,130 $5,437 $5,887
Liberty Mutual $16,782 $17,164 $17,669
Nationwide $6,359 $5,915 $5,811
Progressive $5,363 $5,536 $5,688
State Farm $10,552 $11,138 $11,530
Travelers $7,889 $7,978 $8,047
USAA $3,614 $3,717 $3,797

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Best By Category: Cheapest Auto Insurance in Elberta, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Elberta, Michigan

Insurance Company Average Annual Rates
Allstate $24,328
Farmers $5,507
GEICO $5,485
Liberty Mutual $17,205
Nationwide $6,028
Progressive $5,529
State Farm $11,073
Travelers $7,971
USAA $3,709

What affects auto insurance rates in Elberta, Michigan?

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

Elberta Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Elberta, Michigan commute length is 18.1 minutes according to City-Data.

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Compare Elberta, Michigan Auto Insurance Quotes

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