Best Cheap Auto Insurance in Sault Ste. Marie, MI (2021)

The average Sault Ste. Marie, MI auto insurance rates are $747 per month. The minimum auto insurance in Sault Ste. Marie is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Sault Ste. Marie, 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 Sault Ste. Marie is USAA
  • The minimum auto insurance required in Sault Ste. Marie, Michigan is 20/40/10
  • Average auto insurance rates in Sault Ste. Marie, MI for senior drivers are $5,896 per year

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

Compare auto insurance in Sault Ste. Marie to other Michigan cities, including Flint auto insurance rates, Dearborn auto insurance rates, and Troy auto insurance rates to see how Sault Ste. Marie, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Sault Ste. Marie, Michigan

Sault Ste. Marie, 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 Sault Ste. Marie, Michigan.

Minimum Required Auto Insurance Coverage in Sault Ste. Marie, 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 Sault Ste. Marie, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Sault Ste. Marie, 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 Sault Ste. Marie, 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 $14,412 $14,412 $13,431 $13,431 $34,530 $34,530 $15,163 $15,163
Farmers $3,825 $3,825 $3,572 $3,572 $8,576 $8,576 $4,291 $4,291
GEICO $3,582 $3,582 $3,637 $3,637 $10,204 $10,204 $3,432 $3,432
Liberty Mutual $12,802 $12,802 $12,673 $12,673 $30,473 $30,473 $12,802 $12,802
Nationwide $4,104 $4,104 $3,642 $3,642 $10,849 $10,849 $4,499 $4,499
Progressive $2,901 $2,706 $2,567 $2,851 $10,721 $11,475 $3,380 $3,150
State Farm $6,710 $6,710 $6,215 $6,215 $23,556 $23,556 $7,887 $7,887
Travelers $5,919 $5,919 $5,072 $5,072 $17,926 $17,926 $6,435 $6,435
USAA $2,303 $2,188 $2,166 $2,051 $5,547 $5,282 $2,799 $2,693

Cheap Sault Ste. Marie, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Sault Ste. Marie, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $34,530 $34,530
Farmers $8,576 $8,576
GEICO $10,204 $10,204
Liberty Mutual $30,473 $30,473
Nationwide $10,849 $10,849
Progressive $10,721 $11,475
State Farm $23,556 $23,556
Travelers $17,926 $17,926
USAA $5,547 $5,282

Cheap Sault Ste. Marie, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Sault Ste. Marie, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,431 $13,431
Farmers $3,572 $3,572
GEICO $3,637 $3,637
Liberty Mutual $12,673 $12,673
Nationwide $3,642 $3,642
Progressive $2,567 $2,851
State Farm $6,215 $6,215
Travelers $5,072 $5,072
USAA $2,166 $2,051

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

Annual Sault Ste. Marie, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,561 $12,794 $41,923 $13,257
Farmers $4,265 $5,425 $5,355 $5,220
GEICO $1,854 $3,887 $11,706 $3,407
Liberty Mutual $12,187 $14,583 $26,480 $15,500
Nationwide $4,952 $6,568 $6,001 $5,572
Progressive $4,223 $5,530 $4,969 $5,154
State Farm $7,037 $8,447 $18,321 $10,563
Travelers $5,991 $8,543 $13,736 $7,082
USAA $2,526 $3,138 $4,102 $2,749

Cheap Sault Ste. Marie, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Sault Ste. Marie, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $41,923
Farmers $5,355
GEICO $11,706
Liberty Mutual $26,480
Nationwide $6,001
Progressive $4,969
State Farm $18,321
Travelers $13,736
USAA $4,102

Cheap Sault Ste. Marie, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Sault Ste. Marie, Michigan

Insurance Company Poor Fair Good
Allstate $29,571 $16,285 $12,295
Farmers $6,662 $4,436 $4,101
GEICO $6,698 $4,929 $4,014
Liberty Mutual $27,174 $15,706 $8,682
Nationwide $7,218 $5,453 $4,649
Progressive $5,718 $4,827 $4,362
State Farm $17,987 $9,104 $6,185
Travelers $9,058 $8,784 $8,673
USAA $4,661 $2,675 $2,049

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Cheap Sault Ste. Marie, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Sault Ste. Marie, Michigan

ZIP Code Average Annual Rates
49783 $6,370

Cheap Sault Ste. Marie, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Sault Ste. Marie, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $19,384 $19,384
Farmers $5,066 $5,066
GEICO $5,094 $5,333
Liberty Mutual $16,587 $17,788
Nationwide $5,773 $5,773
Progressive $4,969 $4,969
State Farm $10,801 $11,384
Travelers $8,787 $8,889
USAA $3,093 $3,164

Cheap Sault Ste. Marie, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Sault Ste. Marie, Michigan

Insurance Company Low Medium High
Allstate $18,944 $19,423 $19,784
Farmers $4,916 $5,053 $5,229
GEICO $4,878 $5,169 $5,594
Liberty Mutual $16,785 $17,149 $17,629
Nationwide $6,050 $5,673 $5,597
Progressive $4,824 $4,975 $5,108
State Farm $10,575 $11,156 $11,546
Travelers $8,742 $8,848 $8,925
USAA $3,040 $3,135 $3,211

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Best By Category: Cheapest Auto Insurance in Sault Ste. Marie, Michigan

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

Best Annual Auto Insurance Rates by Company in Sault Ste. Marie, 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 Sault Ste. Marie, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Sault Ste. Marie, Michigan

Insurance Company Average Annual Rates
Allstate $19,384
Farmers $5,066
GEICO $5,214
Liberty Mutual $17,188
Nationwide $5,773
Progressive $4,969
State Farm $11,092
Travelers $8,838
USAA $3,129

What affects auto insurance rates in Sault Ste. Marie, Michigan?

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

Sault Ste. Marie Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Sault Ste. Marie, Michigan auto theft statistics, there have been 11 auto thefts in the city.

Sault Ste. Marie Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Sault Ste. Marie, Michigan commute length is 14.4 minutes according to City-Data.

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Compare Sault Ste. Marie, Michigan Auto Insurance Quotes

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