Best Cheap Auto Insurance in Ludington, MI (2021)

The average Ludington, MI auto insurance rates are $788 per month. The minimum auto insurance in Ludington is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Ludington, 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 Ludington is USAA
  • The average commute length in Ludington is 11.3 minutes
  • The most expensive auto insurance company in Ludington for teen drivers is Allstate

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

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

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

Minimum Auto Insurance in Ludington, Michigan

Ludington, 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 Ludington, Michigan.

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

Auto insurance rates in Ludington, 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 Ludington, 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 $14,808 $14,808 $13,735 $13,735 $37,110 $37,110 $15,605 $15,605
Farmers $4,092 $4,092 $3,819 $3,819 $8,966 $8,966 $4,590 $4,590
GEICO $3,787 $3,787 $3,850 $3,850 $10,646 $10,646 $3,624 $3,624
Liberty Mutual $14,956 $14,956 $14,804 $14,804 $35,785 $35,785 $14,956 $14,956
Nationwide $4,649 $4,649 $4,126 $4,126 $12,340 $12,340 $5,101 $5,101
Progressive $2,786 $2,621 $2,464 $2,714 $10,278 $11,075 $3,254 $3,078
State Farm $7,015 $7,015 $6,482 $6,482 $24,282 $24,282 $8,228 $8,228
Travelers $4,991 $4,991 $4,282 $4,282 $15,054 $15,054 $5,423 $5,423
USAA $2,640 $2,489 $2,483 $2,340 $6,312 $5,955 $3,197 $3,050

Cheap Ludington, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ludington, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $37,110 $37,110
Farmers $8,966 $8,966
GEICO $10,646 $10,646
Liberty Mutual $35,785 $35,785
Nationwide $12,340 $12,340
Progressive $10,278 $11,075
State Farm $24,282 $24,282
Travelers $15,054 $15,054
USAA $6,312 $5,955

Cheap Ludington, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ludington, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,735 $13,735
Farmers $3,819 $3,819
GEICO $3,850 $3,850
Liberty Mutual $14,804 $14,804
Nationwide $4,126 $4,126
Progressive $2,464 $2,714
State Farm $6,482 $6,482
Travelers $4,282 $4,282
USAA $2,483 $2,340

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

Annual Ludington, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,853 $13,161 $44,417 $13,828
Farmers $4,519 $5,741 $5,671 $5,536
GEICO $1,942 $4,081 $12,311 $3,574
Liberty Mutual $14,339 $17,098 $30,874 $18,190
Nationwide $5,604 $7,485 $6,811 $6,316
Progressive $4,079 $5,312 $4,780 $4,964
State Farm $7,382 $8,815 $18,847 $10,965
Travelers $5,050 $7,190 $11,546 $5,964
USAA $2,866 $3,572 $4,674 $3,121

Cheap Ludington, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ludington, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $44,417
Farmers $5,671
GEICO $12,311
Liberty Mutual $30,874
Nationwide $6,811
Progressive $4,780
State Farm $18,847
Travelers $11,546
USAA $4,674

Cheap Ludington, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Ludington, Michigan

Insurance Company Poor Fair Good
Allstate $30,809 $17,065 $13,069
Farmers $7,103 $4,679 $4,318
GEICO $7,039 $5,177 $4,214
Liberty Mutual $31,844 $18,386 $10,145
Nationwide $8,224 $6,184 $5,254
Progressive $5,495 $4,645 $4,211
State Farm $18,656 $9,440 $6,411
Travelers $7,622 $7,392 $7,299
USAA $5,325 $3,042 $2,308

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Cheap Ludington, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Ludington, Michigan

ZIP Code Average Annual Rates
49431 $6,626

Cheap Ludington, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Ludington, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $20,314 $20,314
Farmers $5,367 $5,367
GEICO $5,352 $5,602
Liberty Mutual $19,417 $20,833
Nationwide $6,554 $6,554
Progressive $4,784 $4,784
State Farm $11,194 $11,810
Travelers $7,395 $7,480
USAA $3,517 $3,599

Cheap Ludington, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Ludington, Michigan

Insurance Company Low Medium High
Allstate $19,874 $20,353 $20,716
Farmers $5,231 $5,354 $5,515
GEICO $5,130 $5,430 $5,871
Liberty Mutual $19,708 $20,084 $20,583
Nationwide $6,869 $6,440 $6,353
Progressive $4,640 $4,790 $4,921
State Farm $10,948 $11,570 $11,988
Travelers $7,365 $7,444 $7,504
USAA $3,458 $3,566 $3,651

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Best By Category: Cheapest Auto Insurance in Ludington, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Ludington, Michigan

Insurance Company Average Annual Rates
Allstate $20,314
Farmers $5,367
GEICO $5,477
Liberty Mutual $20,125
Nationwide $6,554
Progressive $4,784
State Farm $11,502
Travelers $7,438
USAA $3,558

What affects auto insurance rates in Ludington, Michigan?

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

Ludington Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Ludington, Michigan auto theft statistics, there have been 2 auto thefts in the city.

Ludington Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ludington, Michigan commute length is 11.3 minutes according to City-Data.

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Compare Ludington, Michigan Auto Insurance Quotes

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