Best Cheap Auto Insurance in Gaylord, MI (2021)

The average Gaylord, MI auto insurance rates are $791 per month. The minimum auto insurance in Gaylord is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Gaylord, 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 Gaylord, Michigan is 20/40/10
  • The cheapest auto insurance company in Gaylord is USAA
  • The most expensive auto insurance company in Gaylord for teen drivers is Allstate

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

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

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

Minimum Auto Insurance in Gaylord, Michigan

Gaylord, 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 Gaylord, Michigan.

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

Auto insurance rates in Gaylord, 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 Gaylord, 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 $3,436 $3,436 $3,204 $3,204 $7,843 $7,843 $3,852 $3,852
GEICO $3,950 $3,950 $3,992 $3,992 $11,005 $11,005 $3,781 $3,781
Liberty Mutual $12,825 $12,825 $12,695 $12,695 $30,474 $30,474 $12,825 $12,825
Nationwide $4,680 $4,680 $4,166 $4,166 $12,064 $12,064 $5,117 $5,117
Progressive $2,808 $2,629 $2,483 $2,752 $10,205 $10,923 $3,271 $3,060
State Farm $6,305 $6,305 $5,830 $5,830 $21,957 $21,957 $7,404 $7,404
Travelers $5,584 $5,584 $4,792 $4,792 $16,861 $16,861 $6,069 $6,069
USAA $2,653 $2,529 $2,489 $2,362 $6,524 $6,244 $3,253 $3,144

Cheap Gaylord, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Gaylord, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,020 $43,020
Farmers $7,843 $7,843
GEICO $11,005 $11,005
Liberty Mutual $30,474 $30,474
Nationwide $12,064 $12,064
Progressive $10,205 $10,923
State Farm $21,957 $21,957
Travelers $16,861 $16,861
USAA $6,524 $6,244

Cheap Gaylord, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Gaylord, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,007 $17,007
Farmers $3,204 $3,204
GEICO $3,992 $3,992
Liberty Mutual $12,695 $12,695
Nationwide $4,166 $4,166
Progressive $2,483 $2,752
State Farm $5,830 $5,830
Travelers $4,792 $4,792
USAA $2,489 $2,362

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

Annual Gaylord, 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 $3,863 $4,911 $4,841 $4,720
GEICO $2,036 $4,233 $12,738 $3,722
Liberty Mutual $12,177 $14,582 $26,565 $15,494
Nationwide $5,553 $7,442 $6,765 $6,267
Progressive $4,055 $5,296 $4,769 $4,946
State Farm $6,616 $7,923 $17,073 $9,884
Travelers $5,658 $8,053 $12,908 $6,686
USAA $2,936 $3,658 $4,803 $3,202

Cheap Gaylord, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Gaylord, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $53,166
Farmers $4,841
GEICO $12,738
Liberty Mutual $26,565
Nationwide $6,765
Progressive $4,769
State Farm $17,073
Travelers $12,908
USAA $4,803

Cheap Gaylord, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Gaylord, Michigan

Insurance Company Poor Fair Good
Allstate $37,251 $20,462 $15,271
Farmers $5,964 $4,039 $3,747
GEICO $7,305 $5,371 $4,370
Liberty Mutual $27,202 $15,721 $8,691
Nationwide $8,198 $6,128 $5,194
Progressive $5,489 $4,628 $4,182
State Farm $16,811 $8,518 $5,793
Travelers $8,534 $8,275 $8,170
USAA $5,470 $3,108 $2,371

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Cheap Gaylord, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Gaylord, Michigan

ZIP Code Average Annual Rates
49735 $6,687

Cheap Gaylord, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Gaylord, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $24,328 $24,328
Farmers $4,584 $4,584
GEICO $5,550 $5,814
Liberty Mutual $16,605 $17,805
Nationwide $6,507 $6,507
Progressive $4,766 $4,766
State Farm $10,103 $10,645
Travelers $8,279 $8,375
USAA $3,608 $3,691

Cheap Gaylord, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Gaylord, Michigan

Insurance Company Low Medium High
Allstate $23,774 $24,378 $24,834
Farmers $4,440 $4,571 $4,740
GEICO $5,328 $5,635 $6,083
Liberty Mutual $16,782 $17,164 $17,669
Nationwide $6,846 $6,388 $6,286
Progressive $4,619 $4,773 $4,907
State Farm $9,900 $10,432 $10,790
Travelers $8,241 $8,334 $8,405
USAA $3,550 $3,658 $3,742

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Best By Category: Cheapest Auto Insurance in Gaylord, Michigan

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

Best Annual Auto Insurance Rates by Company in Gaylord, Michigan

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

The Cheapest Gaylord, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Gaylord, Michigan

Insurance Company Average Annual Rates
Allstate $24,328
Farmers $4,584
GEICO $5,682
Liberty Mutual $17,205
Nationwide $6,507
Progressive $4,766
State Farm $10,374
Travelers $8,327
USAA $3,650

What affects auto insurance rates in Gaylord, Michigan?

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

Gaylord Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Gaylord, Michigan auto theft statistics, there have been 5 auto thefts in the city.

Gaylord Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Gaylord, Michigan commute length is 12.1 minutes according to City-Data.

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Compare Gaylord, Michigan Auto Insurance Quotes

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