Best Cheap Auto Insurance in Muskegon, MI (2021)

The average Muskegon, MI auto insurance rates are $781 per month. The minimum auto insurance in Muskegon is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Muskegon, 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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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.

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Things to Remember

  • The cheapest auto insurance company in Muskegon is USAA
  • The average commute length in Muskegon is 20.2 minutes
  • The minimum auto insurance required in Muskegon, Michigan is 20/40/10

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

Compare auto insurance in Muskegon to other Michigan cities, including Lansing auto insurance rates, Sterling Heights auto insurance rates, and Detroit auto insurance rates to see how Muskegon, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Muskegon, Michigan

Muskegon, 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 Muskegon, Michigan.

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

Auto insurance rates in Muskegon, 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 Muskegon, 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 $14,662 $14,662 $13,595 $13,595 $36,860 $36,860 $15,453 $15,453
Farmers $4,023 $4,023 $3,756 $3,756 $8,899 $8,899 $4,523 $4,523
GEICO $3,614 $3,614 $3,714 $3,714 $10,567 $10,567 $3,463 $3,463
Liberty Mutual $13,501 $13,501 $13,368 $13,368 $31,589 $31,589 $13,501 $13,501
Nationwide $4,017 $4,017 $3,575 $3,575 $10,634 $10,634 $4,406 $4,406
Progressive $2,647 $2,474 $2,352 $2,596 $9,967 $10,726 $3,081 $2,891
State Farm $7,209 $7,209 $6,699 $6,699 $25,586 $25,586 $8,479 $8,479
Travelers $6,706 $6,706 $5,743 $5,743 $20,375 $20,375 $7,293 $7,293
USAA $2,457 $2,308 $2,316 $2,174 $5,912 $5,562 $2,965 $2,816

Cheap Muskegon, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Muskegon, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,860 $36,860
Farmers $8,899 $8,899
GEICO $10,567 $10,567
Liberty Mutual $31,589 $31,589
Nationwide $10,634 $10,634
Progressive $9,967 $10,726
State Farm $25,586 $25,586
Travelers $20,375 $20,375
USAA $5,912 $5,562

Cheap Muskegon, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Muskegon, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,595 $13,595
Farmers $3,756 $3,756
GEICO $3,714 $3,714
Liberty Mutual $13,368 $13,368
Nationwide $3,575 $3,575
Progressive $2,352 $2,596
State Farm $6,699 $6,699
Travelers $5,743 $5,743
USAA $2,316 $2,174

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

Annual Muskegon, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,764 $13,040 $44,056 $13,710
Farmers $4,456 $5,672 $5,600 $5,474
GEICO $1,844 $3,976 $12,083 $3,455
Liberty Mutual $12,439 $15,131 $28,365 $16,024
Nationwide $4,850 $6,457 $5,872 $5,454
Progressive $3,918 $5,107 $4,584 $4,757
State Farm $7,553 $9,098 $19,909 $11,414
Travelers $6,788 $9,693 $15,607 $8,028
USAA $2,671 $3,333 $4,344 $2,907

Cheap Muskegon, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Muskegon, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $44,056
Farmers $5,600
GEICO $12,083
Liberty Mutual $28,365
Nationwide $5,872
Progressive $4,584
State Farm $19,909
Travelers $15,607
USAA $4,344

Cheap Muskegon, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Muskegon, Michigan

Insurance Company Poor Fair Good
Allstate $30,531 $16,920 $12,976
Farmers $7,001 $4,628 $4,272
GEICO $6,861 $5,048 $4,110
Liberty Mutual $28,449 $16,436 $9,083
Nationwide $7,069 $5,348 $4,557
Progressive $5,260 $4,465 $4,050
State Farm $19,460 $9,841 $6,679
Travelers $10,279 $9,968 $9,841
USAA $4,943 $2,840 $2,159

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Cheap Muskegon, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Muskegon, Michigan

ZIP Code Average Annual Rates
49440 $6,739
49441 $6,618
49442 $6,728
49444 $6,663

Cheap Muskegon, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Muskegon, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $20,143 $20,143
Farmers $5,300 $5,300
GEICO $5,221 $5,458
Liberty Mutual $17,375 $18,605
Nationwide $5,658 $5,658
Progressive $4,592 $4,592
State Farm $11,674 $12,313
Travelers $9,971 $10,087
USAA $3,276 $3,352

Cheap Muskegon, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Muskegon, Michigan

Insurance Company Low Medium High
Allstate $19,702 $20,181 $20,544
Farmers $5,180 $5,290 $5,431
GEICO $5,009 $5,294 $5,715
Liberty Mutual $17,587 $17,951 $18,431
Nationwide $5,892 $5,569 $5,513
Progressive $4,464 $4,597 $4,714
State Farm $11,405 $12,066 $12,509
Travelers $9,935 $10,037 $10,116
USAA $3,219 $3,321 $3,401

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Best By Category: Cheapest Auto Insurance in Muskegon, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Muskegon, Michigan

Insurance Company Average Annual Rates
Allstate $20,143
Farmers $5,300
GEICO $5,340
Liberty Mutual $17,990
Nationwide $5,658
Progressive $4,592
State Farm $11,993
Travelers $10,029
USAA $3,314

What affects auto insurance rates in Muskegon, Michigan?

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

Muskegon Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Muskegon, Michigan auto theft statistics, there have been 170 auto thefts in the city.

Muskegon Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Muskegon, Michigan commute length is 20.2 minutes according to City-Data.

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Compare Muskegon, Michigan Auto Insurance Quotes

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