Best Cheap Auto Insurance in Niles, MI (2021)

The average Niles, MI auto insurance rates are $732 per month. The minimum auto insurance in Niles is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Niles, 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 most expensive auto insurance company in Niles for teen drivers is Allstate
  • The cheapest auto insurance company in Niles is USAA
  • The minimum auto insurance required in Niles, Michigan is 20/40/10

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

Compare auto insurance in Niles to other Michigan cities, including Warren auto insurance rates, Sterling Heights auto insurance rates, and Troy auto insurance rates to see how Niles, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Niles, Michigan

Niles, 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 Niles, Michigan.

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

Auto insurance rates in Niles, 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 Niles, 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 $14,495 $14,495 $13,463 $13,463 $35,811 $35,811 $15,269 $15,269
Farmers $4,025 $4,025 $3,760 $3,760 $8,979 $8,979 $4,518 $4,518
GEICO $3,799 $3,799 $3,891 $3,891 $10,701 $10,701 $3,628 $3,628
Liberty Mutual $12,179 $12,179 $12,062 $12,062 $28,240 $28,240 $12,179 $12,179
Nationwide $3,627 $3,627 $3,244 $3,244 $9,368 $9,368 $3,968 $3,968
Progressive $2,686 $2,503 $2,387 $2,640 $9,990 $10,704 $3,121 $2,906
State Farm $7,401 $7,401 $6,919 $6,919 $26,403 $26,403 $8,690 $8,690
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,697 $2,534 $2,542 $2,386 $6,574 $6,189 $3,268 $3,105

Cheap Niles, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Niles, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $35,811 $35,811
Farmers $8,979 $8,979
GEICO $10,701 $10,701
Liberty Mutual $28,240 $28,240
Nationwide $9,368 $9,368
Progressive $9,990 $10,704
State Farm $26,403 $26,403
Travelers $13,395 $13,395
USAA $6,574 $6,189

Cheap Niles, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Niles, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,463 $13,463
Farmers $3,760 $3,760
GEICO $3,891 $3,891
Liberty Mutual $12,062 $12,062
Nationwide $3,244 $3,244
Progressive $2,387 $2,640
State Farm $6,919 $6,919
Travelers $3,858 $3,858
USAA $2,542 $2,386

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

Annual Niles, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,666 $12,916 $42,972 $13,486
Farmers $4,478 $5,697 $5,628 $5,480
GEICO $1,927 $4,104 $12,415 $3,571
Liberty Mutual $11,060 $13,540 $25,747 $14,313
Nationwide $4,333 $5,766 $5,239 $4,868
Progressive $3,928 $5,135 $4,624 $4,781
State Farm $7,770 $9,364 $20,524 $11,756
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,943 $3,681 $4,816 $3,207

Cheap Niles, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Niles, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $42,972
Farmers $5,628
GEICO $12,415
Liberty Mutual $25,747
Nationwide $5,239
Progressive $4,624
State Farm $20,524
Travelers $10,331
USAA $4,816

Cheap Niles, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Niles, Michigan

Insurance Company Poor Fair Good
Allstate $29,986 $16,601 $12,692
Farmers $7,037 $4,643 $4,283
GEICO $7,075 $5,204 $4,235
Liberty Mutual $25,550 $14,772 $8,173
Nationwide $6,307 $4,775 $4,073
Progressive $5,298 $4,488 $4,065
State Farm $20,050 $10,134 $6,876
Travelers $6,813 $6,608 $6,525
USAA $5,474 $3,134 $2,378

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Cheap Niles, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Niles, Michigan

ZIP Code Average Annual Rates
49120 $6,167

Cheap Niles, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Niles, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $19,760 $19,760
Farmers $5,321 $5,321
GEICO $5,380 $5,629
Liberty Mutual $15,619 $16,711
Nationwide $5,052 $5,052
Progressive $4,617 $4,617
State Farm $12,005 $12,701
Travelers $6,611 $6,686
USAA $3,620 $3,704

Cheap Niles, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Niles, Michigan

Insurance Company Low Medium High
Allstate $19,255 $19,804 $20,220
Farmers $5,170 $5,308 $5,485
GEICO $5,098 $5,452 $5,964
Liberty Mutual $15,685 $16,118 $16,693
Nationwide $5,210 $4,987 $4,957
Progressive $4,433 $4,626 $4,792
State Farm $11,650 $12,440 $12,970
Travelers $6,575 $6,656 $6,715
USAA $3,541 $3,673 $3,772

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Best By Category: Cheapest Auto Insurance in Niles, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Niles, Michigan

Insurance Company Average Annual Rates
Allstate $19,760
Farmers $5,321
GEICO $5,505
Liberty Mutual $16,165
Nationwide $5,052
Progressive $4,617
State Farm $12,353
Travelers $6,649
USAA $3,662

What affects auto insurance rates in Niles, Michigan?

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

Niles Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Niles, Michigan auto theft statistics, there have been 28 auto thefts in the city.

Niles Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Niles, Michigan commute length is 21.0 minutes according to City-Data.

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Compare Niles, Michigan Auto Insurance Quotes

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