Best Cheap Auto Insurance in Garden, MI (2021)

The average Garden, MI auto insurance rates are $767 per month. The minimum auto insurance in Garden is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Garden, 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 Garden, Michigan is 20/40/10
  • Average auto insurance rates in Garden, MI for senior drivers are $6,087 per year
  • The cheapest auto insurance company in Garden is USAA

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

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

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

Minimum Auto Insurance in Garden, Michigan

Garden, 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 Garden, Michigan.

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

Auto insurance rates in Garden, 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 Garden, 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 $14,412 $14,412 $13,431 $13,431 $34,530 $34,530 $15,163 $15,163
Farmers $4,057 $4,057 $3,791 $3,791 $8,862 $8,862 $4,546 $4,546
GEICO $3,500 $3,500 $3,539 $3,539 $9,818 $9,818 $3,353 $3,353
Liberty Mutual $14,273 $14,273 $14,122 $14,122 $34,830 $34,830 $14,273 $14,273
Nationwide $4,102 $4,102 $3,646 $3,646 $10,682 $10,682 $4,489 $4,489
Progressive $3,150 $2,932 $2,771 $3,104 $11,129 $11,797 $3,667 $3,382
State Farm $7,325 $7,325 $6,757 $6,757 $25,031 $25,031 $8,573 $8,573
Travelers $5,193 $5,193 $4,461 $4,461 $15,616 $15,616 $5,639 $5,639
USAA $2,292 $2,183 $2,155 $2,047 $5,457 $5,205 $2,786 $2,689

Cheap Garden, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Garden, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $34,530 $34,530
Farmers $8,862 $8,862
GEICO $9,818 $9,818
Liberty Mutual $34,830 $34,830
Nationwide $10,682 $10,682
Progressive $11,129 $11,797
State Farm $25,031 $25,031
Travelers $15,616 $15,616
USAA $5,457 $5,205

Cheap Garden, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Garden, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,431 $13,431
Farmers $3,791 $3,791
GEICO $3,539 $3,539
Liberty Mutual $14,122 $14,122
Nationwide $3,646 $3,646
Progressive $2,771 $3,104
State Farm $6,757 $6,757
Travelers $4,461 $4,461
USAA $2,155 $2,047

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

Annual Garden, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,561 $12,794 $41,923 $13,257
Farmers $4,476 $5,685 $5,614 $5,481
GEICO $1,820 $3,770 $11,304 $3,316
Liberty Mutual $14,203 $16,625 $28,910 $17,761
Nationwide $4,911 $6,523 $5,957 $5,528
Progressive $4,435 $5,830 $5,254 $5,447
State Farm $7,735 $9,191 $19,386 $11,376
Travelers $5,235 $7,468 $12,018 $6,188
USAA $2,505 $3,106 $4,067 $2,727

Cheap Garden, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Garden, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $41,923
Farmers $5,614
GEICO $11,304
Liberty Mutual $28,910
Nationwide $5,957
Progressive $5,254
State Farm $19,386
Travelers $12,018
USAA $4,067

Cheap Garden, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Garden, Michigan

Insurance Company Poor Fair Good
Allstate $29,571 $16,285 $12,295
Farmers $7,018 $4,639 $4,285
GEICO $6,489 $4,777 $3,891
Liberty Mutual $30,651 $17,702 $9,771
Nationwide $7,176 $5,406 $4,606
Progressive $6,076 $5,084 $4,564
State Farm $19,344 $9,782 $6,640
Travelers $7,919 $7,680 $7,583
USAA $4,621 $2,651 $2,032

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Cheap Garden, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Garden, Michigan

ZIP Code Average Annual Rates
49835 $6,444

Cheap Garden, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Garden, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $19,384 $19,384
Farmers $5,314 $5,314
GEICO $4,936 $5,170
Liberty Mutual $18,676 $20,073
Nationwide $5,730 $5,730
Progressive $5,242 $5,242
State Farm $11,595 $12,249
Travelers $7,683 $7,771
USAA $3,066 $3,137

Cheap Garden, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Garden, Michigan

Insurance Company Low Medium High
Allstate $18,944 $19,423 $19,784
Farmers $5,179 $5,304 $5,459
GEICO $4,728 $5,009 $5,421
Liberty Mutual $18,941 $19,332 $19,850
Nationwide $6,003 $5,631 $5,555
Progressive $5,082 $5,248 $5,395
State Farm $11,320 $11,996 $12,449
Travelers $7,640 $7,737 $7,805
USAA $3,010 $3,108 $3,185

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Best By Category: Cheapest Auto Insurance in Garden, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Garden, Michigan

Insurance Company Average Annual Rates
Allstate $19,384
Farmers $5,314
GEICO $5,053
Liberty Mutual $19,375
Nationwide $5,730
Progressive $5,242
State Farm $11,922
Travelers $7,727
USAA $3,101

What affects auto insurance rates in Garden, Michigan?

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

Garden Commute Time

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

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Compare Garden, Michigan Auto Insurance Quotes

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