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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Written by
Mathew B. Sims
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Reviewed by
Daniel Walker
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UPDATED: May 17, 2021
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- 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.