Best Cheap Auto Insurance in Prescott, MI (2021)

The average Prescott, MI auto insurance rates are $801 per month. The minimum auto insurance in Prescott is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Prescott, 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

  • Average auto insurance rates in Prescott, MI for senior drivers are $6,378 per year
  • The cheapest auto insurance company in Prescott is USAA
  • The minimum auto insurance required in Prescott, Michigan is 20/40/10

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

Compare auto insurance in Prescott to other Michigan cities, including Grand Rapids auto insurance rates, Flint auto insurance rates, and Warren auto insurance rates to see how Prescott, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Prescott, Michigan

Prescott, 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 Prescott, Michigan.

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

Auto insurance rates in Prescott, 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 Prescott, 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 $18,027 $18,027 $16,826 $16,826 $43,353 $43,353 $18,968 $18,968
Farmers $4,231 $4,231 $3,948 $3,948 $9,266 $9,266 $4,743 $4,743
GEICO $3,834 $3,834 $3,877 $3,877 $10,539 $10,539 $3,666 $3,666
Liberty Mutual $12,825 $12,825 $12,695 $12,695 $30,474 $30,474 $12,825 $12,825
Nationwide $4,083 $4,083 $3,639 $3,639 $10,482 $10,482 $4,461 $4,461
Progressive $2,911 $2,735 $2,563 $2,844 $10,239 $10,930 $3,394 $3,180
State Farm $7,177 $7,177 $6,640 $6,640 $24,733 $24,733 $8,405 $8,405
Travelers $5,584 $5,584 $4,792 $4,792 $16,861 $16,861 $6,069 $6,069
USAA $2,495 $2,356 $2,347 $2,215 $5,917 $5,587 $3,017 $2,883

Cheap Prescott, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Prescott, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,353 $43,353
Farmers $9,266 $9,266
GEICO $10,539 $10,539
Liberty Mutual $30,474 $30,474
Nationwide $10,482 $10,482
Progressive $10,239 $10,930
State Farm $24,733 $24,733
Travelers $16,861 $16,861
USAA $5,917 $5,587

Cheap Prescott, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Prescott, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $16,826 $16,826
Farmers $3,948 $3,948
GEICO $3,877 $3,877
Liberty Mutual $12,695 $12,695
Nationwide $3,639 $3,639
Progressive $2,563 $2,844
State Farm $6,640 $6,640
Travelers $4,792 $4,792
USAA $2,347 $2,215

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

Annual Prescott, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,822 $15,896 $52,934 $16,522
Farmers $4,673 $5,934 $5,862 $5,718
GEICO $1,972 $4,085 $12,267 $3,592
Liberty Mutual $12,177 $14,582 $26,565 $15,494
Nationwide $4,850 $6,465 $5,888 $5,462
Progressive $4,119 $5,379 $4,861 $5,039
State Farm $7,569 $9,019 $19,172 $11,195
Travelers $5,658 $8,053 $12,908 $6,686
USAA $2,703 $3,364 $4,398 $2,943

Cheap Prescott, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Prescott, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $52,934
Farmers $5,862
GEICO $12,267
Liberty Mutual $26,565
Nationwide $5,888
Progressive $4,861
State Farm $19,172
Travelers $12,908
USAA $4,398

Cheap Prescott, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Prescott, Michigan

Insurance Company Poor Fair Good
Allstate $37,001 $20,419 $15,461
Farmers $7,338 $4,837 $4,466
GEICO $7,042 $5,179 $4,216
Liberty Mutual $27,202 $15,721 $8,691
Nationwide $7,110 $5,343 $4,545
Progressive $5,608 $4,702 $4,239
State Farm $19,043 $9,633 $6,540
Travelers $8,534 $8,275 $8,170
USAA $5,007 $2,868 $2,181

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Cheap Prescott, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Prescott, Michigan

ZIP Code Average Annual Rates
48756 $6,768

Cheap Prescott, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Prescott, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $24,294 $24,294
Farmers $5,547 $5,547
GEICO $5,351 $5,607
Liberty Mutual $16,605 $17,805
Nationwide $5,666 $5,666
Progressive $4,850 $4,850
State Farm $11,415 $12,062
Travelers $8,279 $8,375
USAA $3,313 $3,391

Cheap Prescott, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Prescott, Michigan

Insurance Company Low Medium High
Allstate $23,467 $24,366 $25,047
Farmers $5,405 $5,535 $5,701
GEICO $5,123 $5,432 $5,882
Liberty Mutual $16,782 $17,164 $17,669
Nationwide $5,932 $5,570 $5,496
Progressive $4,681 $4,858 $5,010
State Farm $11,130 $11,814 $12,272
Travelers $8,241 $8,334 $8,405
USAA $3,257 $3,359 $3,439

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Best By Category: Cheapest Auto Insurance in Prescott, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Prescott, Michigan

Insurance Company Average Annual Rates
Allstate $24,294
Farmers $5,547
GEICO $5,479
Liberty Mutual $17,205
Nationwide $5,666
Progressive $4,850
State Farm $11,739
Travelers $8,327
USAA $3,352

What affects auto insurance rates in Prescott, Michigan?

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

Prescott Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Prescott, Michigan commute length is 30.9 minutes according to City-Data.

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Compare Prescott, Michigan Auto Insurance Quotes

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