Best Cheap Auto Insurance in Memphis, MI (2021)

The average Memphis, MI auto insurance rates are $874 per month. The minimum auto insurance in Memphis is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Memphis, Michigan, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The cheapest auto insurance company in Memphis is USAA
  • Average auto insurance rates in Memphis, MI for senior drivers are $6,928 per year
  • The minimum auto insurance required in Memphis, Michigan is 20/40/10

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

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

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

Minimum Auto Insurance in Memphis, Michigan

Memphis, 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 Memphis, Michigan.

Minimum Required Auto Insurance Coverage in Memphis, 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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Memphis, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Memphis, 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 Memphis, 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 $16,765 $16,765 $15,578 $15,578 $41,654 $41,654 $17,662 $17,662
Farmers $4,499 $4,499 $4,191 $4,191 $10,368 $10,368 $5,072 $5,072
GEICO $4,245 $4,245 $4,366 $4,366 $12,082 $12,082 $4,054 $4,054
Liberty Mutual $16,936 $16,936 $16,769 $16,769 $39,803 $39,803 $16,936 $16,936
Nationwide $4,828 $4,828 $4,288 $4,288 $13,055 $13,055 $5,313 $5,313
Progressive $3,434 $3,163 $3,034 $3,406 $12,874 $13,686 $3,995 $3,648
State Farm $7,167 $7,167 $6,646 $6,646 $25,083 $25,083 $8,413 $8,413
Travelers $5,580 $5,580 $4,791 $4,791 $16,837 $16,837 $6,061 $6,061
USAA $2,740 $2,604 $2,574 $2,435 $6,768 $6,457 $3,357 $3,233

Cheap Memphis, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Memphis, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,654 $41,654
Farmers $10,368 $10,368
GEICO $12,082 $12,082
Liberty Mutual $39,803 $39,803
Nationwide $13,055 $13,055
Progressive $12,874 $13,686
State Farm $25,083 $25,083
Travelers $16,837 $16,837
USAA $6,768 $6,457

Cheap Memphis, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Memphis, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,578 $15,578
Farmers $4,191 $4,191
GEICO $4,366 $4,366
Liberty Mutual $16,769 $16,769
Nationwide $4,288 $4,288
Progressive $3,034 $3,406
State Farm $6,646 $6,646
Travelers $4,791 $4,791
USAA $2,574 $2,435

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

Annual Memphis, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,105 $14,854 $50,114 $15,587
Farmers $5,058 $6,466 $6,375 $6,230
GEICO $2,129 $4,602 $14,025 $3,992
Liberty Mutual $15,674 $19,028 $35,578 $20,165
Nationwide $5,868 $7,875 $7,128 $6,613
Progressive $4,985 $6,597 $5,914 $6,123
State Farm $7,530 $9,025 $19,487 $11,267
Travelers $5,616 $8,033 $12,980 $6,641
USAA $3,030 $3,783 $4,965 $3,305

Cheap Memphis, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Memphis, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $50,114
Farmers $6,375
GEICO $14,025
Liberty Mutual $35,578
Nationwide $7,128
Progressive $5,914
State Farm $19,487
Travelers $12,980
USAA $4,965

Cheap Memphis, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Memphis, Michigan

Insurance Company Poor Fair Good
Allstate $34,793 $19,252 $14,700
Farmers $7,895 $5,300 $4,902
GEICO $7,959 $5,847 $4,754
Liberty Mutual $35,789 $20,653 $11,391
Nationwide $8,615 $6,491 $5,506
Progressive $6,814 $5,738 $5,163
State Farm $19,185 $9,706 $6,591
Travelers $8,523 $8,267 $8,163
USAA $5,654 $3,213 $2,446

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Memphis, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Memphis, Michigan

ZIP Code Average Annual Rates
48041 $7,359

Cheap Memphis, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Memphis, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $22,915 $22,915
Farmers $6,032 $6,032
GEICO $6,049 $6,325
Liberty Mutual $21,834 $23,389
Nationwide $6,871 $6,871
Progressive $5,905 $5,905
State Farm $11,508 $12,146
Travelers $8,270 $8,365
USAA $3,728 $3,814

Cheap Memphis, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Memphis, Michigan

Insurance Company Low Medium High
Allstate $22,289 $22,971 $23,485
Farmers $5,880 $6,019 $6,198
GEICO $5,769 $6,130 $6,662
Liberty Mutual $22,080 $22,558 $23,196
Nationwide $7,180 $6,758 $6,675
Progressive $5,699 $5,912 $6,104
State Farm $11,236 $11,900 $12,346
Travelers $8,230 $8,325 $8,397
USAA $3,661 $3,780 $3,872

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Memphis, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Memphis, Michigan

Insurance Company Average Annual Rates
Allstate $22,915
Farmers $6,032
GEICO $6,187
Liberty Mutual $22,611
Nationwide $6,871
Progressive $5,905
State Farm $11,827
Travelers $8,317
USAA $3,771

What affects auto insurance rates in Memphis, Michigan?

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

Memphis Auto Theft

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

Memphis Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Memphis, Michigan commute length is 32.5 minutes according to City-Data.

Memphis Traffic

How does Memphis, Michigan rank for traffic? According to Inrix Memphis, Michigan is the 626th most congested worldwide.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Memphis, Michigan Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption