Best Cheap Auto Insurance in Freeport, MI (2021)

The average Freeport, MI auto insurance rates are $780 per month. The minimum auto insurance in Freeport is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Freeport, 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 Freeport for teen drivers is Allstate
  • The average commute length in Freeport is 27.0 minutes
  • Average auto insurance rates in Freeport, MI for senior drivers are $6,216 per year

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

Compare auto insurance in Freeport to other Michigan cities, including Flint auto insurance rates, Lansing auto insurance rates, and Dearborn auto insurance rates to see how Freeport, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Freeport, Michigan

Freeport, 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 Freeport, Michigan.

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

Auto insurance rates in Freeport, 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 Freeport, 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 $16,784 $16,784 $15,590 $15,590 $41,589 $41,589 $17,682 $17,682
Farmers $4,569 $4,569 $4,258 $4,258 $9,939 $9,939 $5,124 $5,124
GEICO $4,000 $4,000 $4,066 $4,066 $11,283 $11,283 $3,826 $3,826
Liberty Mutual $14,499 $14,499 $14,355 $14,355 $34,357 $34,357 $14,499 $14,499
Nationwide $2,752 $2,752 $2,472 $2,472 $6,859 $6,859 $2,994 $2,994
Progressive $3,399 $3,186 $2,985 $3,319 $12,422 $13,316 $3,982 $3,734
State Farm $6,371 $6,371 $5,873 $5,873 $21,832 $21,832 $7,466 $7,466
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,537 $2,434 $2,378 $2,267 $6,243 $6,017 $3,123 $3,041

Cheap Freeport, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Freeport, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,589 $41,589
Farmers $9,939 $9,939
GEICO $11,283 $11,283
Liberty Mutual $34,357 $34,357
Nationwide $6,859 $6,859
Progressive $12,422 $13,316
State Farm $21,832 $21,832
Travelers $13,395 $13,395
USAA $6,243 $6,017

Cheap Freeport, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Freeport, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,590 $15,590
Farmers $4,258 $4,258
GEICO $4,066 $4,066
Liberty Mutual $14,355 $14,355
Nationwide $2,472 $2,472
Progressive $2,985 $3,319
State Farm $5,873 $5,873
Travelers $3,858 $3,858
USAA $2,378 $2,267

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

Annual Freeport, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,158 $14,912 $49,962 $15,613
Farmers $5,032 $6,387 $6,313 $6,158
GEICO $2,047 $4,315 $13,038 $3,776
Liberty Mutual $13,662 $16,428 $30,178 $17,443
Nationwide $3,258 $4,271 $3,907 $3,641
Progressive $4,912 $6,444 $5,793 $6,023
State Farm $6,708 $7,987 $16,941 $9,906
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,823 $3,508 $4,611 $3,078

Cheap Freeport, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Freeport, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $49,962
Farmers $6,313
GEICO $13,038
Liberty Mutual $30,178
Nationwide $3,907
Progressive $5,793
State Farm $16,941
Travelers $10,331
USAA $4,611

Cheap Freeport, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Freeport, Michigan

Insurance Company Poor Fair Good
Allstate $34,815 $19,242 $14,677
Farmers $7,937 $5,193 $4,788
GEICO $7,450 $5,476 $4,455
Liberty Mutual $30,734 $17,750 $9,799
Nationwide $4,669 $3,570 $3,069
Progressive $6,692 $5,619 $5,068
State Farm $16,830 $8,528 $5,799
Travelers $6,813 $6,608 $6,525
USAA $5,251 $2,981 $2,284

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Cheap Freeport, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Freeport, Michigan

ZIP Code Average Annual Rates
49325 $6,538

Cheap Freeport, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Freeport, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $22,911 $22,911
Farmers $5,973 $5,973
GEICO $5,661 $5,927
Liberty Mutual $18,753 $20,103
Nationwide $3,769 $3,769
Progressive $5,793 $5,793
State Farm $10,111 $10,661
Travelers $6,611 $6,686
USAA $3,465 $3,545

Cheap Freeport, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Freeport, Michigan

Insurance Company Low Medium High
Allstate $22,349 $22,962 $23,424
Farmers $5,817 $5,957 $6,143
GEICO $5,412 $5,741 $6,229
Liberty Mutual $18,989 $19,385 $19,909
Nationwide $3,917 $3,712 $3,679
Progressive $5,633 $5,800 $5,947
State Farm $9,904 $10,445 $10,808
Travelers $6,575 $6,656 $6,715
USAA $3,414 $3,512 $3,590

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Best By Category: Cheapest Auto Insurance in Freeport, Michigan

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

Best Annual Auto Insurance Rates by Company in Freeport, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Nationwide
With 1 Speeding Violation USAA

The Cheapest Freeport, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Freeport, Michigan

Insurance Company Average Annual Rates
Allstate $22,911
Farmers $5,973
GEICO $5,794
Liberty Mutual $19,428
Nationwide $3,769
Progressive $5,793
State Farm $10,386
Travelers $6,649
USAA $3,505

What affects auto insurance rates in Freeport, Michigan?

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

Freeport Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Freeport, Michigan commute length is 27.0 minutes according to City-Data.

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Compare Freeport, Michigan Auto Insurance Quotes

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