Best Cheap Auto Insurance in Litchfield, MI (2021)

The average Litchfield, MI auto insurance rates are $725 per month. The minimum auto insurance in Litchfield is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Litchfield, 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 cheapest auto insurance company in Litchfield is USAA
  • The most expensive auto insurance company in Litchfield for teen drivers is Allstate
  • The average commute length in Litchfield is 15.7 minutes

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

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

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

Minimum Auto Insurance in Litchfield, Michigan

Litchfield, 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 Litchfield, Michigan.

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

Auto insurance rates in Litchfield, 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 Litchfield, 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 $14,537 $14,537 $13,495 $13,495 $35,855 $35,855 $15,313 $15,313
Farmers $3,863 $3,863 $3,601 $3,601 $8,659 $8,659 $4,341 $4,341
GEICO $4,178 $4,178 $4,250 $4,250 $11,924 $11,924 $4,001 $4,001
Liberty Mutual $13,638 $13,638 $13,501 $13,501 $32,257 $32,257 $13,638 $13,638
Nationwide $3,260 $3,260 $2,925 $2,925 $7,677 $7,677 $3,523 $3,523
Progressive $2,686 $2,522 $2,372 $2,627 $9,589 $10,258 $3,127 $2,935
State Farm $6,313 $6,313 $5,815 $5,815 $21,447 $21,447 $7,386 $7,386
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,424 $2,301 $2,279 $2,158 $5,807 $5,521 $2,946 $2,832

Cheap Litchfield, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Litchfield, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $35,855 $35,855
Farmers $8,659 $8,659
GEICO $11,924 $11,924
Liberty Mutual $32,257 $32,257
Nationwide $7,677 $7,677
Progressive $9,589 $10,258
State Farm $21,447 $21,447
Travelers $13,395 $13,395
USAA $5,807 $5,521

Cheap Litchfield, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Litchfield, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,495 $13,495
Farmers $3,601 $3,601
GEICO $4,250 $4,250
Liberty Mutual $13,501 $13,501
Nationwide $2,925 $2,925
Progressive $2,372 $2,627
State Farm $5,815 $5,815
Travelers $3,858 $3,858
USAA $2,279 $2,158

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

Annual Litchfield, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,732 $12,990 $42,939 $13,538
Farmers $4,303 $5,477 $5,403 $5,281
GEICO $2,136 $4,530 $13,726 $3,961
Liberty Mutual $12,830 $15,436 $28,384 $16,383
Nationwide $3,733 $4,929 $4,525 $4,198
Progressive $3,848 $5,008 $4,515 $4,688
State Farm $6,660 $7,905 $16,622 $9,773
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,649 $3,292 $4,309 $2,884

Cheap Litchfield, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Litchfield, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $42,939
Farmers $5,403
GEICO $13,726
Liberty Mutual $28,384
Nationwide $4,525
Progressive $4,515
State Farm $16,622
Travelers $10,331
USAA $4,309

Cheap Litchfield, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Litchfield, Michigan

Insurance Company Poor Fair Good
Allstate $30,066 $16,629 $12,705
Farmers $6,709 $4,487 $4,151
GEICO $7,831 $5,754 $4,679
Liberty Mutual $28,872 $16,683 $9,220
Nationwide $5,460 $4,088 $3,491
Progressive $5,204 $4,381 $3,958
State Farm $16,592 $8,409 $5,719
Travelers $6,813 $6,608 $6,525
USAA $4,902 $2,806 $2,143

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Cheap Litchfield, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Litchfield, Michigan

ZIP Code Average Annual Rates
49252 $6,081

Cheap Litchfield, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Litchfield, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $19,800 $19,800
Farmers $5,116 $5,116
GEICO $5,948 $6,228
Liberty Mutual $17,626 $18,891
Nationwide $4,346 $4,346
Progressive $4,515 $4,515
State Farm $9,965 $10,515
Travelers $6,611 $6,686
USAA $3,246 $3,321

Cheap Litchfield, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Litchfield, Michigan

Insurance Company Low Medium High
Allstate $19,339 $19,841 $20,220
Farmers $4,997 $5,106 $5,244
GEICO $5,709 $6,038 $6,518
Liberty Mutual $17,781 $18,212 $18,782
Nationwide $4,566 $4,270 $4,203
Progressive $4,395 $4,519 $4,629
State Farm $9,749 $10,300 $10,671
Travelers $6,575 $6,656 $6,715
USAA $3,191 $3,291 $3,369

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Best By Category: Cheapest Auto Insurance in Litchfield, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Litchfield, Michigan

Insurance Company Average Annual Rates
Allstate $19,800
Farmers $5,116
GEICO $6,088
Liberty Mutual $18,258
Nationwide $4,346
Progressive $4,515
State Farm $10,240
Travelers $6,649
USAA $3,284

What affects auto insurance rates in Litchfield, Michigan?

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

Litchfield Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Litchfield, Michigan auto theft statistics, there have been 1 auto thefts in the city.

Litchfield Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Litchfield, Michigan commute length is 15.7 minutes according to City-Data.

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Compare Litchfield, Michigan Auto Insurance Quotes

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