Best Cheap Auto Insurance in Flat Rock, MI (2021)

The average Flat Rock, MI auto insurance rates are $1,030 per month. The minimum auto insurance in Flat Rock is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Flat Rock, 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 Flat Rock, Michigan is 20/40/10
  • The most expensive auto insurance company in Flat Rock for teen drivers is Allstate
  • The average commute length in Flat Rock is 25.6 minutes

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

Compare auto insurance in Flat Rock to other Michigan cities, including Grand Rapids auto insurance rates, Ann Arbor auto insurance rates, and Detroit auto insurance rates to see how Flat Rock, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Flat Rock, Michigan

Flat Rock, 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 Flat Rock, Michigan.

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

Auto insurance rates in Flat Rock, 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 Flat Rock, 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 $17,000 $17,000 $15,781 $15,781 $42,584 $42,584 $17,916 $17,916
Farmers $12,563 $12,563 $11,600 $11,600 $28,834 $28,834 $14,266 $14,266
GEICO $5,644 $5,644 $5,763 $5,763 $15,269 $15,269 $5,373 $5,373
Liberty Mutual $15,385 $15,385 $15,235 $15,235 $35,843 $35,843 $15,385 $15,385
Nationwide $5,177 $5,177 $4,584 $4,584 $14,241 $14,241 $5,710 $5,710
Progressive $3,659 $3,337 $3,225 $3,672 $13,225 $13,849 $4,240 $3,780
State Farm $8,463 $8,463 $7,900 $7,900 $30,299 $30,299 $9,951 $9,951
Travelers $7,464 $7,464 $6,400 $6,400 $22,645 $22,645 $8,116 $8,116
USAA $2,713 $2,567 $2,552 $2,406 $6,712 $6,378 $3,313 $3,175

Cheap Flat Rock, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Flat Rock, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $42,584 $42,584
Farmers $28,834 $28,834
GEICO $15,269 $15,269
Liberty Mutual $35,843 $35,843
Nationwide $14,241 $14,241
Progressive $13,225 $13,849
State Farm $30,299 $30,299
Travelers $22,645 $22,645
USAA $6,712 $6,378

Cheap Flat Rock, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Flat Rock, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,781 $15,781
Farmers $11,600 $11,600
GEICO $5,763 $5,763
Liberty Mutual $15,235 $15,235
Nationwide $4,584 $4,584
Progressive $3,225 $3,672
State Farm $7,900 $7,900
Travelers $6,400 $6,400
USAA $2,552 $2,406

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

Annual Flat Rock, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,273 $15,085 $51,073 $15,849
Farmers $13,971 $18,132 $17,796 $17,364
GEICO $2,790 $5,947 $18,125 $5,186
Liberty Mutual $14,049 $17,160 $32,486 $18,153
Nationwide $6,345 $8,504 $7,710 $7,153
Progressive $5,138 $6,851 $6,151 $6,354
State Farm $8,870 $10,708 $23,572 $13,464
Travelers $7,561 $10,789 $17,326 $8,948
USAA $2,994 $3,743 $4,905 $3,265

Cheap Flat Rock, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Flat Rock, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $51,073
Farmers $17,796
GEICO $18,125
Liberty Mutual $32,486
Nationwide $7,710
Progressive $6,151
State Farm $23,572
Travelers $17,326
USAA $4,905

Cheap Flat Rock, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Flat Rock, Michigan

Insurance Company Poor Fair Good
Allstate $35,343 $19,593 $15,024
Farmers $24,809 $13,295 $12,343
GEICO $10,324 $7,569 $6,143
Liberty Mutual $32,366 $18,695 $10,325
Nationwide $9,307 $7,020 $5,957
Progressive $7,116 $5,947 $5,307
State Farm $22,976 $11,610 $7,874
Travelers $11,437 $11,087 $10,945
USAA $5,581 $3,180 $2,420

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Cheap Flat Rock, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Flat Rock, Michigan

ZIP Code Average Annual Rates
48134 $8,849

Cheap Flat Rock, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Flat Rock, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $23,320 $23,320
Farmers $16,816 $16,816
GEICO $7,828 $8,195
Liberty Mutual $19,767 $21,157
Nationwide $7,428 $7,428
Progressive $6,123 $6,123
State Farm $13,764 $14,543
Travelers $11,092 $11,221
USAA $3,684 $3,769

Cheap Flat Rock, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Flat Rock, Michigan

Insurance Company Low Medium High
Allstate $22,660 $23,378 $23,921
Farmers $16,281 $16,764 $17,402
GEICO $7,488 $7,935 $8,612
Liberty Mutual $19,979 $20,415 $20,991
Nationwide $7,731 $7,313 $7,240
Progressive $5,910 $6,131 $6,330
State Farm $13,386 $14,248 $14,827
Travelers $11,055 $11,166 $11,247
USAA $3,613 $3,736 $3,831

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Best By Category: Cheapest Auto Insurance in Flat Rock, Michigan

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

Best Annual Auto Insurance Rates by Company in Flat Rock, 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 Flat Rock, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Flat Rock, Michigan

Insurance Company Average Annual Rates
Allstate $23,320
Farmers $16,816
GEICO $8,012
Liberty Mutual $20,462
Nationwide $7,428
Progressive $6,123
State Farm $14,153
Travelers $11,156
USAA $3,727

What affects auto insurance rates in Flat Rock, Michigan?

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

Flat Rock Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Flat Rock, Michigan auto theft statistics, there have been 11 auto thefts in the city.

Flat Rock Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Flat Rock, Michigan commute length is 25.6 minutes according to City-Data.

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Compare Flat Rock, Michigan Auto Insurance Quotes

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