Best Cheap Auto Insurance in Indian River, MI (2021)

The average Indian River, MI auto insurance rates are $796 per month. The minimum auto insurance in Indian River is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Indian River, 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 Indian River for teen drivers is Allstate
  • The average commute length in Indian River is 25.4 minutes
  • The minimum auto insurance required in Indian River, Michigan is 20/40/10

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

Compare auto insurance in Indian River to other Michigan cities, including Lansing auto insurance rates, Grand Rapids auto insurance rates, and Livonia auto insurance rates to see how Indian River, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Indian River, Michigan

Indian River, 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 Indian River, Michigan.

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

Auto insurance rates in Indian River, 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 Indian River, 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 $18,269 $18,269 $17,084 $17,084 $43,218 $43,218 $19,206 $19,206
Farmers $3,404 $3,404 $3,175 $3,175 $7,634 $7,634 $3,816 $3,816
GEICO $3,884 $3,884 $3,922 $3,922 $10,771 $10,771 $3,717 $3,717
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 $2,832 $2,647 $2,504 $2,779 $10,284 $10,997 $3,297 $3,077
State Farm $6,964 $6,964 $6,448 $6,448 $24,267 $24,267 $8,171 $8,171
Travelers $5,584 $5,584 $4,792 $4,792 $16,861 $16,861 $6,069 $6,069
USAA $2,315 $2,209 $2,178 $2,072 $5,527 $5,282 $2,821 $2,728

Cheap Indian River, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Indian River, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,218 $43,218
Farmers $7,634 $7,634
GEICO $10,771 $10,771
Liberty Mutual $30,474 $30,474
Nationwide $12,064 $12,064
Progressive $10,284 $10,997
State Farm $24,267 $24,267
Travelers $16,861 $16,861
USAA $5,527 $5,282

Cheap Indian River, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Indian River, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,084 $17,084
Farmers $3,175 $3,175
GEICO $3,922 $3,922
Liberty Mutual $12,695 $12,695
Nationwide $4,166 $4,166
Progressive $2,504 $2,779
State Farm $6,448 $6,448
Travelers $4,792 $4,792
USAA $2,178 $2,072

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

Annual Indian River, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,886 $15,983 $53,293 $16,615
Farmers $3,798 $4,825 $4,758 $4,647
GEICO $2,003 $4,153 $12,485 $3,655
Liberty Mutual $12,177 $14,582 $26,565 $15,494
Nationwide $5,553 $7,442 $6,765 $6,267
Progressive $4,083 $5,337 $4,806 $4,983
State Farm $7,320 $8,761 $18,847 $10,922
Travelers $5,658 $8,053 $12,908 $6,686
USAA $2,536 $3,144 $4,126 $2,760

Cheap Indian River, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Indian River, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $53,293
Farmers $4,758
GEICO $12,485
Liberty Mutual $26,565
Nationwide $6,765
Progressive $4,806
State Farm $18,847
Travelers $12,908
USAA $4,126

Cheap Indian River, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Indian River, Michigan

Insurance Company Poor Fair Good
Allstate $37,430 $20,552 $15,349
Farmers $5,883 $3,964 $3,674
GEICO $7,165 $5,269 $4,288
Liberty Mutual $27,202 $15,721 $8,691
Nationwide $8,198 $6,128 $5,194
Progressive $5,533 $4,663 $4,211
State Farm $18,592 $9,407 $6,389
Travelers $8,534 $8,275 $8,170
USAA $4,680 $2,685 $2,060

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Cheap Indian River, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Indian River, Michigan

ZIP Code Average Annual Rates
49749 $6,714

Cheap Indian River, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Indian River, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $24,444 $24,444
Farmers $4,507 $4,507
GEICO $5,444 $5,704
Liberty Mutual $16,605 $17,805
Nationwide $6,507 $6,507
Progressive $4,802 $4,802
State Farm $11,155 $11,771
Travelers $8,279 $8,375
USAA $3,106 $3,177

Cheap Indian River, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Indian River, Michigan

Insurance Company Low Medium High
Allstate $23,889 $24,493 $24,949
Farmers $4,384 $4,497 $4,640
GEICO $5,238 $5,528 $5,955
Liberty Mutual $16,782 $17,164 $17,669
Nationwide $6,846 $6,388 $6,286
Progressive $4,650 $4,809 $4,948
State Farm $10,899 $11,532 $11,957
Travelers $8,241 $8,334 $8,405
USAA $3,036 $3,150 $3,238

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Best By Category: Cheapest Auto Insurance in Indian River, Michigan

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

Best Annual Auto Insurance Rates by Company in Indian River, 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 Indian River, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Indian River, Michigan

Insurance Company Average Annual Rates
Allstate $24,444
Farmers $4,507
GEICO $5,574
Liberty Mutual $17,205
Nationwide $6,507
Progressive $4,802
State Farm $11,463
Travelers $8,327
USAA $3,142

What affects auto insurance rates in Indian River, Michigan?

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

Indian River Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Indian River, Michigan commute length is 25.4 minutes according to City-Data.

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Compare Indian River, Michigan Auto Insurance Quotes

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