Best Cheap Auto Insurance in Saginaw, MI (2021)

The average Saginaw, MI auto insurance rates are $894 per month. The minimum auto insurance in Saginaw is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Saginaw, 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

  • Average auto insurance rates in Saginaw, MI for senior drivers are $7,051 per year
  • The cheapest auto insurance company in Saginaw is USAA
  • The most expensive auto insurance company in Saginaw for teen drivers is Allstate

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

Compare auto insurance in Saginaw to other Michigan cities, including Ann Arbor auto insurance rates, Dearborn auto insurance rates, and Flint auto insurance rates to see how Saginaw, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Saginaw, Michigan

Saginaw, 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 Saginaw, Michigan.

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

Auto insurance rates in Saginaw, 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 Saginaw, 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 $15,257 $15,257 $14,164 $14,164 $37,967 $37,967 $16,076 $16,076
Farmers $9,230 $9,230 $8,570 $8,570 $20,123 $20,123 $10,436 $10,436
GEICO $3,658 $3,658 $3,751 $3,751 $10,332 $10,332 $3,498 $3,498
Liberty Mutual $13,903 $13,903 $13,769 $13,769 $32,287 $32,287 $13,903 $13,903
Nationwide $4,395 $4,395 $3,913 $3,913 $11,679 $11,679 $4,824 $4,824
Progressive $3,004 $2,776 $2,660 $2,977 $11,152 $11,864 $3,488 $3,199
State Farm $9,395 $9,395 $8,782 $8,782 $33,889 $33,889 $11,057 $11,057
Travelers $6,002 $6,002 $5,154 $5,154 $18,106 $18,106 $6,521 $6,521
USAA $2,778 $2,618 $2,615 $2,459 $6,839 $6,468 $3,381 $3,225

Cheap Saginaw, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Saginaw, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $37,967 $37,967
Farmers $20,123 $20,123
GEICO $10,332 $10,332
Liberty Mutual $32,287 $32,287
Nationwide $11,679 $11,679
Progressive $11,152 $11,864
State Farm $33,889 $33,889
Travelers $18,106 $18,106
USAA $6,839 $6,468

Cheap Saginaw, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Saginaw, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $14,164 $14,164
Farmers $8,570 $8,570
GEICO $3,751 $3,751
Liberty Mutual $13,769 $13,769
Nationwide $3,913 $3,913
Progressive $2,660 $2,977
State Farm $8,782 $8,782
Travelers $5,154 $5,154
USAA $2,615 $2,459

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

Annual Saginaw, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,160 $13,571 $45,513 $14,221
Farmers $10,077 $13,005 $12,802 $12,475
GEICO $1,854 $3,955 $11,987 $3,442
Liberty Mutual $12,627 $15,471 $29,407 $16,357
Nationwide $5,302 $7,103 $6,434 $5,971
Progressive $4,355 $5,733 $5,143 $5,328
State Farm $9,849 $11,912 $26,355 $15,007
Travelers $6,047 $8,643 $13,939 $7,153
USAA $3,051 $3,817 $4,998 $3,326

Cheap Saginaw, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Saginaw, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $45,513
Farmers $12,802
GEICO $11,987
Liberty Mutual $29,407
Nationwide $6,434
Progressive $5,143
State Farm $26,355
Travelers $13,939
USAA $4,998

Cheap Saginaw, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Saginaw, Michigan

Insurance Company Poor Fair Good
Allstate $31,665 $17,528 $13,406
Farmers $17,896 $9,546 $8,828
GEICO $6,822 $5,020 $4,087
Liberty Mutual $29,198 $16,872 $9,326
Nationwide $7,774 $5,859 $4,975
Progressive $5,923 $4,996 $4,501
State Farm $25,651 $12,935 $8,756
Travelers $9,168 $8,891 $8,778
USAA $5,689 $3,244 $2,461

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Cheap Saginaw, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Saginaw, Michigan

ZIP Code Average Annual Rates
48602 $7,927
48604 $6,646
48607 $8,604
48609 $7,020
48603 $6,378
48638 $6,512

Cheap Saginaw, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Saginaw, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $20,866 $20,866
Farmers $12,090 $12,090
GEICO $5,191 $5,428
Liberty Mutual $17,841 $19,090
Nationwide $6,203 $6,203
Progressive $5,140 $5,140
State Farm $15,341 $16,220
Travelers $8,894 $8,997
USAA $3,754 $3,842

Cheap Saginaw, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Saginaw, Michigan

Insurance Company Low Medium High
Allstate $20,343 $20,913 $21,343
Farmers $11,728 $12,057 $12,485
GEICO $4,986 $5,266 $5,677
Liberty Mutual $18,030 $18,422 $18,944
Nationwide $6,495 $6,097 $6,016
Progressive $4,984 $5,146 $5,291
State Farm $14,907 $15,889 $16,546
Travelers $8,851 $8,958 $9,028
USAA $3,683 $3,808 $3,904

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Best By Category: Cheapest Auto Insurance in Saginaw, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Saginaw, Michigan

Insurance Company Average Annual Rates
Allstate $20,866
Farmers $12,090
GEICO $5,310
Liberty Mutual $18,466
Nationwide $6,203
Progressive $5,140
State Farm $15,781
Travelers $8,946
USAA $3,798

What affects auto insurance rates in Saginaw, Michigan?

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

Saginaw Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Saginaw, Michigan auto theft statistics, there have been 90 auto thefts in the city.

Saginaw Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Saginaw, Michigan commute length is 18.7 minutes according to City-Data.

Saginaw Traffic

How does Saginaw, Michigan rank for traffic? According to Inrix Saginaw, Michigan is the 939th most congested worldwide.

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Compare Saginaw, Michigan Auto Insurance Quotes

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