Best Cheap Auto Insurance in Kalkaska, MI (2021)

The average Kalkaska, MI auto insurance rates are $816 per month. The minimum auto insurance in Kalkaska is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Kalkaska, 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 average commute length in Kalkaska is 18.2 minutes
  • Average auto insurance rates in Kalkaska, MI for senior drivers are $6,510 per year
  • The cheapest auto insurance company in Kalkaska is USAA

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

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

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

Minimum Auto Insurance in Kalkaska, Michigan

Kalkaska, 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 Kalkaska, Michigan.

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

Auto insurance rates in Kalkaska, 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 Kalkaska, 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 $4,316 $4,316 $4,027 $4,027 $9,656 $9,656 $4,860 $4,860
GEICO $3,878 $3,878 $3,943 $3,943 $10,852 $10,852 $3,709 $3,709
Liberty Mutual $13,423 $13,423 $13,290 $13,290 $31,542 $31,542 $13,423 $13,423
Nationwide $4,680 $4,680 $4,166 $4,166 $12,064 $12,064 $5,117 $5,117
Progressive $2,840 $2,651 $2,516 $2,789 $10,515 $11,269 $3,309 $3,088
State Farm $7,106 $7,106 $6,596 $6,596 $24,882 $24,882 $8,338 $8,338
Travelers $5,348 $5,348 $4,589 $4,589 $16,137 $16,137 $5,811 $5,811
USAA $2,538 $2,430 $2,382 $2,266 $6,285 $6,046 $3,123 $3,032

Cheap Kalkaska, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Kalkaska, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,020 $43,020
Farmers $9,656 $9,656
GEICO $10,852 $10,852
Liberty Mutual $31,542 $31,542
Nationwide $12,064 $12,064
Progressive $10,515 $11,269
State Farm $24,882 $24,882
Travelers $16,137 $16,137
USAA $6,285 $6,046

Cheap Kalkaska, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Kalkaska, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,007 $17,007
Farmers $4,027 $4,027
GEICO $3,943 $3,943
Liberty Mutual $13,290 $13,290
Nationwide $4,166 $4,166
Progressive $2,516 $2,789
State Farm $6,596 $6,596
Travelers $4,589 $4,589
USAA $2,382 $2,266

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

Annual Kalkaska, 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 $4,797 $6,118 $6,039 $5,905
GEICO $1,983 $4,168 $12,582 $3,649
Liberty Mutual $12,457 $15,103 $28,109 $16,009
Nationwide $5,553 $7,442 $6,765 $6,267
Progressive $4,143 $5,420 $4,873 $5,052
State Farm $7,470 $8,952 $19,325 $11,175
Travelers $5,408 $7,706 $12,382 $6,390
USAA $2,827 $3,518 $4,623 $3,083

Cheap Kalkaska, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Kalkaska, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $53,166
Farmers $6,039
GEICO $12,582
Liberty Mutual $28,109
Nationwide $6,765
Progressive $4,873
State Farm $19,325
Travelers $12,382
USAA $4,623

Cheap Kalkaska, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Kalkaska, Michigan

Insurance Company Poor Fair Good
Allstate $37,251 $20,462 $15,271
Farmers $7,542 $4,994 $4,609
GEICO $7,193 $5,289 $4,305
Liberty Mutual $28,338 $16,372 $9,047
Nationwide $8,198 $6,128 $5,194
Progressive $5,602 $4,733 $4,281
State Farm $19,030 $9,626 $6,536
Travelers $8,169 $7,922 $7,822
USAA $5,258 $2,990 $2,291

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Cheap Kalkaska, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Kalkaska, Michigan

ZIP Code Average Annual Rates
49646 $6,870

Cheap Kalkaska, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Kalkaska, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $24,328 $24,328
Farmers $5,715 $5,715
GEICO $5,468 $5,724
Liberty Mutual $17,304 $18,535
Nationwide $6,507 $6,507
Progressive $4,872 $4,872
State Farm $11,411 $12,051
Travelers $7,926 $8,017
USAA $3,473 $3,552

Cheap Kalkaska, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Kalkaska, Michigan

Insurance Company Low Medium High
Allstate $23,774 $24,378 $24,834
Farmers $5,589 $5,704 $5,852
GEICO $5,240 $5,547 $6,000
Liberty Mutual $17,501 $17,878 $18,379
Nationwide $6,846 $6,388 $6,286
Progressive $4,718 $4,879 $5,019
State Farm $11,127 $11,805 $12,260
Travelers $7,889 $7,978 $8,047
USAA $3,413 $3,521 $3,605

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Best By Category: Cheapest Auto Insurance in Kalkaska, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Kalkaska, Michigan

Insurance Company Average Annual Rates
Allstate $24,328
Farmers $5,715
GEICO $5,596
Liberty Mutual $17,919
Nationwide $6,507
Progressive $4,872
State Farm $11,731
Travelers $7,971
USAA $3,513

What affects auto insurance rates in Kalkaska, Michigan?

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

Kalkaska Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Kalkaska, Michigan auto theft statistics, there have been 0 auto thefts in the city.

Kalkaska Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Kalkaska, Michigan commute length is 18.2 minutes according to City-Data.

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Compare Kalkaska, Michigan Auto Insurance Quotes

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