Best Cheap Auto Insurance in Pontiac, MI (2021)

The average Pontiac, MI auto insurance rates are $1,356 per month. The minimum auto insurance in Pontiac is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Pontiac, 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 Pontiac is USAA
  • The most expensive auto insurance company in Pontiac for teen drivers is Liberty Mutual
  • The average commute length in Pontiac is 22.5 minutes

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

Compare auto insurance in Pontiac to other Michigan cities, including Livonia auto insurance rates, Detroit auto insurance rates, and Flint auto insurance rates to see how Pontiac, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Pontiac, Michigan

Pontiac, 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 Pontiac, Michigan.

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

Auto insurance rates in Pontiac, 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 Pontiac, 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 $21,771 $21,771 $20,188 $20,188 $54,891 $54,891 $22,954 $22,954
Farmers $19,460 $19,460 $17,930 $17,930 $41,286 $41,286 $21,893 $21,893
GEICO $5,820 $5,820 $5,914 $5,914 $16,090 $16,090 $5,559 $5,559
Liberty Mutual $24,413 $24,413 $24,173 $24,173 $57,215 $57,215 $24,413 $24,413
Nationwide $6,015 $6,015 $5,313 $5,313 $16,499 $16,499 $6,631 $6,631
Progressive $3,959 $3,669 $3,472 $3,905 $14,451 $15,348 $4,629 $4,253
State Farm $11,474 $11,474 $10,736 $10,736 $41,523 $41,523 $13,503 $13,503
Travelers $7,602 $7,602 $6,521 $6,521 $23,038 $23,038 $8,261 $8,261
USAA $3,270 $3,059 $3,079 $2,875 $8,204 $7,712 $3,981 $3,767

Cheap Pontiac, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Pontiac, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $54,891 $54,891
Farmers $41,286 $41,286
GEICO $16,090 $16,090
Liberty Mutual $57,215 $57,215
Nationwide $16,499 $16,499
Progressive $14,451 $15,348
State Farm $41,523 $41,523
Travelers $23,038 $23,038
USAA $8,204 $7,712

Cheap Pontiac, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Pontiac, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $20,188 $20,188
Farmers $17,930 $17,930
GEICO $5,914 $5,914
Liberty Mutual $24,173 $24,173
Nationwide $5,313 $5,313
Progressive $3,472 $3,905
State Farm $10,736 $10,736
Travelers $6,521 $6,521
USAA $3,079 $2,875

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

Annual Pontiac, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $14,538 $19,355 $65,503 $20,408
Farmers $21,052 $27,032 $26,571 $25,915
GEICO $2,907 $6,187 $18,877 $5,413
Liberty Mutual $22,362 $27,303 $51,642 $28,906
Nationwide $7,344 $9,864 $8,954 $8,296
Progressive $5,653 $7,487 $6,726 $6,977
State Farm $12,038 $14,567 $32,271 $18,361
Travelers $7,641 $10,963 $17,769 $9,048
USAA $3,596 $4,526 $5,925 $3,925

Cheap Pontiac, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Pontiac, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $65,503
Farmers $26,571
GEICO $18,877
Liberty Mutual $51,642
Nationwide $8,954
Progressive $6,726
State Farm $32,271
Travelers $17,769
USAA $5,925

Cheap Pontiac, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Pontiac, Michigan

Insurance Company Poor Fair Good
Allstate $45,482 $25,143 $19,228
Farmers $37,569 $19,634 $18,224
GEICO $10,757 $7,884 $6,397
Liberty Mutual $51,591 $29,727 $16,342
Nationwide $10,834 $8,127 $6,883
Progressive $7,787 $6,513 $5,833
State Farm $31,417 $15,819 $10,692
Travelers $11,638 $11,285 $11,143
USAA $6,758 $3,834 $2,887

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Cheap Pontiac, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Pontiac, Michigan

ZIP Code Average Annual Rates
48340 $10,943
48341 $11,705
48342 $11,313

Cheap Pontiac, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Pontiac, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $29,951 $29,951
Farmers $25,142 $25,142
GEICO $8,152 $8,539
Liberty Mutual $31,438 $33,668
Nationwide $8,614 $8,614
Progressive $6,711 $6,711
State Farm $18,762 $19,856
Travelers $11,290 $11,421
USAA $4,441 $4,545

Cheap Pontiac, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Pontiac, Michigan

Insurance Company Low Medium High
Allstate $29,073 $30,032 $30,748
Farmers $24,342 $25,063 $26,022
GEICO $7,911 $8,289 $8,838
Liberty Mutual $31,879 $32,486 $33,295
Nationwide $8,989 $8,476 $8,379
Progressive $6,496 $6,719 $6,917
State Farm $18,198 $19,447 $20,283
Travelers $11,252 $11,368 $11,446
USAA $4,357 $4,505 $4,617

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Best By Category: Cheapest Auto Insurance in Pontiac, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Pontiac, Michigan

Insurance Company Average Annual Rates
Allstate $29,951
Farmers $25,142
GEICO $8,346
Liberty Mutual $32,553
Nationwide $8,614
Progressive $6,711
State Farm $19,309
Travelers $11,355
USAA $4,493

What affects auto insurance rates in Pontiac, Michigan?

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

Pontiac Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Pontiac, Michigan auto theft statistics, there have been 95 auto thefts in the city.

Pontiac Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Pontiac, Michigan commute length is 22.5 minutes according to City-Data.

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Compare Pontiac, Michigan Auto Insurance Quotes

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