Best Cheap Auto Insurance in Elmira, MI (2021)

The average Elmira, MI auto insurance rates are $788 per month. The minimum auto insurance in Elmira is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Elmira, 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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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • The cheapest auto insurance company in Elmira is USAA
  • Average auto insurance rates in Elmira, MI for senior drivers are $6,289 per year
  • The minimum auto insurance required in Elmira, Michigan is 20/40/10

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

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

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

Minimum Auto Insurance in Elmira, Michigan

Elmira, 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 Elmira, Michigan.

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

Auto insurance rates in Elmira, 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 Elmira, 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 $3,316 $3,316 $3,099 $3,099 $7,563 $7,563 $3,726 $3,726
GEICO $3,660 $3,660 $3,742 $3,742 $10,386 $10,386 $3,502 $3,502
Liberty Mutual $13,423 $13,423 $13,290 $13,290 $31,542 $31,542 $13,423 $13,423
Nationwide $4,680 $4,680 $4,166 $4,166 $12,064 $12,064 $5,117 $5,117
Progressive $2,651 $2,486 $2,351 $2,592 $9,787 $10,526 $3,088 $2,907
State Farm $6,471 $6,471 $5,976 $5,976 $22,506 $22,506 $7,601 $7,601
Travelers $5,348 $5,348 $4,589 $4,589 $16,137 $16,137 $5,811 $5,811
USAA $2,473 $2,364 $2,321 $2,207 $6,108 $5,869 $3,037 $2,945

Cheap Elmira, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Elmira, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,020 $43,020
Farmers $7,563 $7,563
GEICO $10,386 $10,386
Liberty Mutual $31,542 $31,542
Nationwide $12,064 $12,064
Progressive $9,787 $10,526
State Farm $22,506 $22,506
Travelers $16,137 $16,137
USAA $6,108 $5,869

Cheap Elmira, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Elmira, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,007 $17,007
Farmers $3,099 $3,099
GEICO $3,742 $3,742
Liberty Mutual $13,290 $13,290
Nationwide $4,166 $4,166
Progressive $2,351 $2,592
State Farm $5,976 $5,976
Travelers $4,589 $4,589
USAA $2,321 $2,207

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

Annual Elmira, 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 $3,722 $4,741 $4,676 $4,564
GEICO $1,867 $3,966 $11,999 $3,458
Liberty Mutual $12,457 $15,103 $28,109 $16,009
Nationwide $5,553 $7,442 $6,765 $6,267
Progressive $3,880 $5,052 $4,546 $4,716
State Farm $6,791 $8,129 $17,498 $10,137
Travelers $5,408 $7,706 $12,382 $6,390
USAA $2,750 $3,422 $4,492 $2,998

Cheap Elmira, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Elmira, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $53,166
Farmers $4,676
GEICO $11,999
Liberty Mutual $28,109
Nationwide $6,765
Progressive $4,546
State Farm $17,498
Travelers $12,382
USAA $4,492

Cheap Elmira, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Elmira, Michigan

Insurance Company Poor Fair Good
Allstate $37,251 $20,462 $15,271
Farmers $5,782 $3,892 $3,603
GEICO $6,839 $5,032 $4,097
Liberty Mutual $28,338 $16,372 $9,047
Nationwide $8,198 $6,128 $5,194
Progressive $5,220 $4,419 $4,006
State Farm $17,244 $8,735 $5,938
Travelers $8,169 $7,922 $7,822
USAA $5,106 $2,910 $2,231

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Cheap Elmira, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Elmira, Michigan

ZIP Code Average Annual Rates
49730 $6,619

Cheap Elmira, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Elmira, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $24,328 $24,328
Farmers $4,426 $4,426
GEICO $5,203 $5,442
Liberty Mutual $17,304 $18,535
Nationwide $6,507 $6,507
Progressive $4,548 $4,548
State Farm $10,363 $10,915
Travelers $7,926 $8,017
USAA $3,377 $3,454

Cheap Elmira, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Elmira, Michigan

Insurance Company Low Medium High
Allstate $23,774 $24,378 $24,834
Farmers $4,302 $4,416 $4,560
GEICO $4,986 $5,277 $5,704
Liberty Mutual $17,501 $17,878 $18,379
Nationwide $6,846 $6,388 $6,286
Progressive $4,408 $4,555 $4,682
State Farm $10,164 $10,697 $11,055
Travelers $7,889 $7,978 $8,047
USAA $3,316 $3,423 $3,507

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Best By Category: Cheapest Auto Insurance in Elmira, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Elmira, Michigan

Insurance Company Average Annual Rates
Allstate $24,328
Farmers $4,426
GEICO $5,322
Liberty Mutual $17,919
Nationwide $6,507
Progressive $4,548
State Farm $10,639
Travelers $7,971
USAA $3,415

Compare Elmira, Michigan Auto Insurance Quotes

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