Best Cheap Auto Insurance in Ionia, MI (2021)

The average Ionia, MI auto insurance rates are $783 per month. The minimum auto insurance in Ionia is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Ionia, 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 Ionia, Michigan is 20/40/10
  • The cheapest auto insurance company in Ionia is USAA
  • Average auto insurance rates in Ionia, MI for senior drivers are $6,236 per year

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

Compare auto insurance in Ionia to other Michigan cities, including Troy auto insurance rates, Warren auto insurance rates, and Lansing auto insurance rates to see how Ionia, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Ionia, Michigan

Ionia, 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 Ionia, Michigan.

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

Auto insurance rates in Ionia, 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 Ionia, 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 $16,758 $16,758 $15,566 $15,566 $41,506 $41,506 $17,653 $17,653
Farmers $4,263 $4,263 $3,978 $3,978 $9,349 $9,349 $4,787 $4,787
GEICO $3,559 $3,559 $3,608 $3,608 $9,680 $9,680 $3,398 $3,398
Liberty Mutual $14,499 $14,499 $14,355 $14,355 $34,357 $34,357 $14,499 $14,499
Nationwide $4,236 $4,236 $3,756 $3,756 $11,284 $11,284 $4,649 $4,649
Progressive $2,836 $2,648 $2,509 $2,788 $10,277 $10,975 $3,301 $3,072
State Farm $6,617 $6,617 $6,104 $6,104 $22,785 $22,785 $7,759 $7,759
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,462 $2,344 $2,313 $2,195 $5,952 $5,682 $3,004 $2,899

Cheap Ionia, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ionia, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,506 $41,506
Farmers $9,349 $9,349
GEICO $9,680 $9,680
Liberty Mutual $34,357 $34,357
Nationwide $11,284 $11,284
Progressive $10,277 $10,975
State Farm $22,785 $22,785
Travelers $13,395 $13,395
USAA $5,952 $5,682

Cheap Ionia, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ionia, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,566 $15,566
Farmers $3,978 $3,978
GEICO $3,608 $3,608
Liberty Mutual $14,355 $14,355
Nationwide $3,756 $3,756
Progressive $2,509 $2,788
State Farm $6,104 $6,104
Travelers $3,858 $3,858
USAA $2,313 $2,195

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

Annual Ionia, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,140 $14,886 $49,871 $15,586
Farmers $4,708 $5,984 $5,915 $5,770
GEICO $1,826 $3,779 $11,325 $3,316
Liberty Mutual $13,662 $16,428 $30,178 $17,443
Nationwide $5,129 $6,810 $6,216 $5,772
Progressive $4,079 $5,337 $4,806 $4,981
State Farm $6,963 $8,303 $17,686 $10,314
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,706 $3,364 $4,409 $2,948

Cheap Ionia, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ionia, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $49,871
Farmers $5,915
GEICO $11,325
Liberty Mutual $30,178
Nationwide $6,216
Progressive $4,806
State Farm $17,686
Travelers $10,331
USAA $4,409

Cheap Ionia, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Ionia, Michigan

Insurance Company Poor Fair Good
Allstate $34,761 $19,207 $14,645
Farmers $7,436 $4,865 $4,482
GEICO $6,501 $4,786 $3,898
Liberty Mutual $30,734 $17,750 $9,799
Nationwide $7,479 $5,650 $4,815
Progressive $5,533 $4,662 $4,207
State Farm $17,534 $8,880 $6,035
Travelers $6,813 $6,608 $6,525
USAA $5,016 $2,864 $2,189

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Cheap Ionia, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Ionia, Michigan

ZIP Code Average Annual Rates
48846 $6,549

Cheap Ionia, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Ionia, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $22,871 $22,871
Farmers $5,594 $5,594
GEICO $4,944 $5,179
Liberty Mutual $18,753 $20,103
Nationwide $5,982 $5,982
Progressive $4,801 $4,801
State Farm $10,530 $11,103
Travelers $6,611 $6,686
USAA $3,318 $3,395

Cheap Ionia, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Ionia, Michigan

Insurance Company Low Medium High
Allstate $22,308 $22,921 $23,383
Farmers $5,450 $5,580 $5,753
GEICO $4,714 $5,014 $5,457
Liberty Mutual $18,989 $19,385 $19,909
Nationwide $6,263 $5,879 $5,803
Progressive $4,648 $4,808 $4,946
State Farm $10,313 $10,878 $11,258
Travelers $6,575 $6,656 $6,715
USAA $3,262 $3,364 $3,444

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Best By Category: Cheapest Auto Insurance in Ionia, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Ionia, Michigan

Insurance Company Average Annual Rates
Allstate $22,871
Farmers $5,594
GEICO $5,061
Liberty Mutual $19,428
Nationwide $5,982
Progressive $4,801
State Farm $10,816
Travelers $6,649
USAA $3,356

What affects auto insurance rates in Ionia, Michigan?

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

Ionia Auto Theft

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

Ionia Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ionia, Michigan commute length is 20.6 minutes according to City-Data.

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Compare Ionia, Michigan Auto Insurance Quotes

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