Best Cheap Auto Insurance in Homer, MI (2021)

The average Homer, MI auto insurance rates are $740 per month. The minimum auto insurance in Homer is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Homer, Michigan, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 Homer, Michigan is 20/40/10
  • The most expensive auto insurance company in Homer for teen drivers is Allstate
  • The cheapest auto insurance company in Homer is USAA

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

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

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

Minimum Auto Insurance in Homer, Michigan

Homer, 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 Homer, Michigan.

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

Auto insurance rates in Homer, 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 Homer, 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 $15,206 $15,206 $14,155 $14,155 $36,908 $36,908 $16,005 $16,005
Farmers $3,939 $3,939 $3,668 $3,668 $8,979 $8,979 $4,437 $4,437
GEICO $3,856 $3,856 $3,920 $3,920 $10,935 $10,935 $3,692 $3,692
Liberty Mutual $13,546 $13,546 $13,410 $13,410 $32,119 $32,119 $13,546 $13,546
Nationwide $3,916 $3,916 $3,483 $3,483 $10,196 $10,196 $4,285 $4,285
Progressive $2,978 $2,782 $2,620 $2,929 $10,475 $11,124 $3,467 $3,215
State Farm $6,216 $6,216 $5,718 $5,718 $21,020 $21,020 $7,270 $7,270
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,352 $2,239 $2,212 $2,097 $5,723 $5,466 $2,869 $2,767

Cheap Homer, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Homer, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,908 $36,908
Farmers $8,979 $8,979
GEICO $10,935 $10,935
Liberty Mutual $32,119 $32,119
Nationwide $10,196 $10,196
Progressive $10,475 $11,124
State Farm $21,020 $21,020
Travelers $13,395 $13,395
USAA $5,723 $5,466

Cheap Homer, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Homer, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $14,155 $14,155
Farmers $3,668 $3,668
GEICO $3,920 $3,920
Liberty Mutual $13,410 $13,410
Nationwide $3,483 $3,483
Progressive $2,620 $2,929
State Farm $5,718 $5,718
Travelers $3,858 $3,858
USAA $2,212 $2,097

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

Annual Homer, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,076 $13,483 $44,679 $14,036
Farmers $4,412 $5,630 $5,549 $5,433
GEICO $1,980 $4,172 $12,600 $3,651
Liberty Mutual $12,802 $15,368 $28,128 $16,322
Nationwide $4,693 $6,223 $5,685 $5,279
Progressive $4,198 $5,498 $4,955 $5,144
State Farm $6,561 $7,776 $16,287 $9,600
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,593 $3,224 $4,220 $2,824

Cheap Homer, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Homer, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $44,679
Farmers $5,549
GEICO $12,600
Liberty Mutual $28,128
Nationwide $5,685
Progressive $4,955
State Farm $16,287
Travelers $10,331
USAA $4,220

Cheap Homer, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Homer, Michigan

Insurance Company Poor Fair Good
Allstate $31,333 $17,282 $13,091
Farmers $6,859 $4,625 $4,283
GEICO $7,200 $5,294 $4,308
Liberty Mutual $28,710 $16,587 $9,167
Nationwide $6,841 $5,165 $4,405
Progressive $5,732 $4,799 $4,314
State Farm $16,291 $8,258 $5,619
Travelers $6,813 $6,608 $6,525
USAA $4,795 $2,747 $2,105

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Cheap Homer, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Homer, Michigan

ZIP Code Average Annual Rates
49245 $6,225

Cheap Homer, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Homer, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $20,569 $20,569
Farmers $5,256 $5,256
GEICO $5,472 $5,729
Liberty Mutual $17,524 $18,786
Nationwide $5,470 $5,470
Progressive $4,949 $4,949
State Farm $9,787 $10,325
Travelers $6,611 $6,686
USAA $3,179 $3,252

Cheap Homer, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Homer, Michigan

Insurance Company Low Medium High
Allstate $20,108 $20,609 $20,988
Farmers $5,145 $5,247 $5,376
GEICO $5,243 $5,552 $6,007
Liberty Mutual $17,752 $18,116 $18,596
Nationwide $5,725 $5,377 $5,308
Progressive $4,823 $4,953 $5,069
State Farm $9,580 $10,114 $10,473
Travelers $6,575 $6,656 $6,715
USAA $3,122 $3,223 $3,302

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Best By Category: Cheapest Auto Insurance in Homer, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Homer, Michigan

Insurance Company Average Annual Rates
Allstate $20,569
Farmers $5,256
GEICO $5,601
Liberty Mutual $18,155
Nationwide $5,470
Progressive $4,949
State Farm $10,056
Travelers $6,649
USAA $3,215

What affects auto insurance rates in Homer, Michigan?

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

Homer Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Homer, Michigan commute length is 21.1 minutes according to City-Data.

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Compare Homer, Michigan Auto Insurance Quotes

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