Best Cheap Auto Insurance in Midland, MI (2021)

The average Midland, MI auto insurance rates are $678 per month. The minimum auto insurance in Midland is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Midland, Michigan, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 Midland is 19.1 minutes
  • Average auto insurance rates in Midland, MI for senior drivers are $5,339 per year
  • The most expensive auto insurance company in Midland for teen drivers is Allstate

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

Compare auto insurance in Midland to other Michigan cities, including Troy auto insurance rates, Flint auto insurance rates, and Dearborn auto insurance rates to see how Midland, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Midland, Michigan

Midland, 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 Midland, Michigan.

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

Auto insurance rates in Midland, 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 Midland, 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 $13,935 $13,935 $12,940 $12,940 $34,434 $34,434 $14,678 $14,678
Farmers $3,562 $3,562 $3,329 $3,329 $8,024 $8,024 $4,002 $4,002
GEICO $3,416 $3,416 $3,502 $3,502 $9,679 $9,679 $3,266 $3,266
Liberty Mutual $9,771 $9,771 $9,675 $9,675 $22,878 $22,878 $9,771 $9,771
Nationwide $4,054 $4,054 $3,616 $3,616 $10,496 $10,496 $4,435 $4,435
Progressive $2,372 $2,207 $2,114 $2,344 $8,613 $9,183 $2,742 $2,539
State Farm $6,418 $6,418 $5,964 $5,964 $22,626 $22,626 $7,539 $7,539
Travelers $5,380 $5,380 $4,626 $4,626 $16,180 $16,180 $5,842 $5,842
USAA $2,371 $2,214 $2,240 $2,095 $5,604 $5,226 $2,838 $2,675

Cheap Midland, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Midland, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $34,434 $34,434
Farmers $8,024 $8,024
GEICO $9,679 $9,679
Liberty Mutual $22,878 $22,878
Nationwide $10,496 $10,496
Progressive $8,613 $9,183
State Farm $22,626 $22,626
Travelers $16,180 $16,180
USAA $5,604 $5,226

Cheap Midland, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Midland, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $12,940 $12,940
Farmers $3,329 $3,329
GEICO $3,502 $3,502
Liberty Mutual $9,675 $9,675
Nationwide $3,616 $3,616
Progressive $2,114 $2,344
State Farm $5,964 $5,964
Travelers $4,626 $4,626
USAA $2,240 $2,095

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

Annual Midland, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,298 $12,410 $41,307 $12,971
Farmers $3,978 $5,064 $4,999 $4,876
GEICO $1,743 $3,705 $11,191 $3,224
Liberty Mutual $9,083 $10,987 $20,384 $11,642
Nationwide $4,835 $6,456 $5,866 $5,443
Progressive $3,425 $4,460 $4,017 $4,155
State Farm $6,729 $8,088 $17,603 $10,127
Travelers $5,416 $7,736 $12,473 $6,404
USAA $2,548 $3,179 $4,133 $2,771

Cheap Midland, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Midland, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $41,307
Farmers $4,999
GEICO $11,191
Liberty Mutual $20,384
Nationwide $5,866
Progressive $4,017
State Farm $17,603
Travelers $12,473
USAA $4,133

Cheap Midland, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Midland, Michigan

Insurance Company Poor Fair Good
Allstate $28,855 $15,958 $12,177
Farmers $6,215 $4,144 $3,830
GEICO $6,377 $4,695 $3,825
Liberty Mutual $20,558 $11,906 $6,608
Nationwide $7,084 $5,333 $4,534
Progressive $4,608 $3,903 $3,531
State Farm $17,240 $8,733 $5,937
Travelers $8,206 $7,958 $7,858
USAA $4,698 $2,715 $2,061

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Cheap Midland, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Midland, Michigan

ZIP Code Average Annual Rates
48640 $5,824
48642 $5,833

Cheap Midland, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Midland, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $18,997 $18,997
Farmers $4,729 $4,729
GEICO $4,855 $5,077
Liberty Mutual $12,578 $13,469
Nationwide $5,650 $5,650
Progressive $4,014 $4,014
State Farm $10,352 $10,921
Travelers $7,961 $8,053
USAA $3,122 $3,194

Cheap Midland, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Midland, Michigan

Insurance Company Low Medium High
Allstate $18,568 $19,035 $19,387
Farmers $4,600 $4,718 $4,869
GEICO $4,629 $4,920 $5,349
Liberty Mutual $12,668 $12,990 $13,414
Nationwide $5,916 $5,554 $5,480
Progressive $3,888 $4,020 $4,135
State Farm $10,108 $10,702 $11,100
Travelers $7,920 $8,016 $8,086
USAA $3,062 $3,166 $3,246

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Best By Category: Cheapest Auto Insurance in Midland, Michigan

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

Best Annual Auto Insurance Rates by Company in Midland, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

The Cheapest Midland, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Midland, Michigan

Insurance Company Average Annual Rates
Allstate $18,997
Farmers $4,729
GEICO $4,966
Liberty Mutual $13,024
Nationwide $5,650
Progressive $4,014
State Farm $10,637
Travelers $8,007
USAA $3,158

What affects auto insurance rates in Midland, Michigan?

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

Midland Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Midland, Michigan auto theft statistics, there have been 12 auto thefts in the city.

Midland Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Midland, Michigan commute length is 19.1 minutes according to City-Data.

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Compare Midland, Michigan Auto Insurance Quotes

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