Best Cheap Auto Insurance in Shepherd, MI (2021)

The average Shepherd, MI auto insurance rates are $663 per month. The minimum auto insurance in Shepherd is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Shepherd, 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 Shepherd is USAA
  • The most expensive auto insurance company in Shepherd for teen drivers is Allstate
  • Average auto insurance rates in Shepherd, MI for senior drivers are $5,208 per year

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

Compare auto insurance in Shepherd to other Michigan cities, including Sterling Heights auto insurance rates, Detroit auto insurance rates, and Lansing auto insurance rates to see how Shepherd, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Shepherd, Michigan

Shepherd, 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 Shepherd, Michigan.

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

Auto insurance rates in Shepherd, 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 Shepherd, 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 $12,761 $12,761 $11,785 $11,785 $32,562 $32,562 $13,463 $13,463
Farmers $3,667 $3,667 $3,418 $3,418 $8,098 $8,098 $4,111 $4,111
GEICO $3,608 $3,608 $3,669 $3,669 $10,010 $10,010 $3,449 $3,449
Liberty Mutual $9,771 $9,771 $9,675 $9,675 $22,878 $22,878 $9,771 $9,771
Nationwide $4,191 $4,191 $3,733 $3,733 $10,808 $10,808 $4,581 $4,581
Progressive $2,617 $2,463 $2,316 $2,553 $9,461 $10,165 $3,050 $2,880
State Farm $6,322 $6,322 $5,854 $5,854 $22,038 $22,038 $7,420 $7,420
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,681 $2,529 $2,520 $2,374 $6,467 $6,111 $3,252 $3,106

Cheap Shepherd, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Shepherd, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $32,562 $32,562
Farmers $8,098 $8,098
GEICO $10,010 $10,010
Liberty Mutual $22,878 $22,878
Nationwide $10,808 $10,808
Progressive $9,461 $10,165
State Farm $22,038 $22,038
Travelers $13,395 $13,395
USAA $6,467 $6,111

Cheap Shepherd, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Shepherd, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $11,785 $11,785
Farmers $3,418 $3,418
GEICO $3,669 $3,669
Liberty Mutual $9,675 $9,675
Nationwide $3,733 $3,733
Progressive $2,316 $2,553
State Farm $5,854 $5,854
Travelers $3,858 $3,858
USAA $2,520 $2,374

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

Annual Shepherd, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,690 $11,537 $38,252 $12,092
Farmers $4,064 $5,161 $5,091 $4,978
GEICO $1,847 $3,866 $11,638 $3,385
Liberty Mutual $9,083 $10,987 $20,384 $11,642
Nationwide $4,987 $6,651 $6,057 $5,618
Progressive $3,789 $4,922 $4,436 $4,606
State Farm $6,637 $7,949 $17,132 $9,917
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,922 $3,646 $4,769 $3,184

Cheap Shepherd, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Shepherd, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $38,252
Farmers $5,091
GEICO $11,638
Liberty Mutual $20,384
Nationwide $6,057
Progressive $4,436
State Farm $17,132
Travelers $10,331
USAA $4,769

Cheap Shepherd, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Shepherd, Michigan

Insurance Company Poor Fair Good
Allstate $26,651 $14,801 $11,477
Farmers $6,323 $4,231 $3,917
GEICO $6,660 $4,901 $3,991
Liberty Mutual $20,558 $11,906 $6,608
Nationwide $7,316 $5,496 $4,673
Progressive $5,103 $4,308 $3,902
State Farm $16,868 $8,547 $5,812
Travelers $6,813 $6,608 $6,525
USAA $5,437 $3,101 $2,352

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Cheap Shepherd, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Shepherd, Michigan

ZIP Code Average Annual Rates
48883 $5,702

Cheap Shepherd, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Shepherd, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $17,643 $17,643
Farmers $4,824 $4,824
GEICO $5,066 $5,303
Liberty Mutual $12,578 $13,469
Nationwide $5,828 $5,828
Progressive $4,438 $4,438
State Farm $10,133 $10,685
Travelers $6,611 $6,686
USAA $3,588 $3,672

Cheap Shepherd, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Shepherd, Michigan

Insurance Company Low Medium High
Allstate $17,213 $17,681 $18,034
Farmers $4,710 $4,814 $4,947
GEICO $4,858 $5,140 $5,554
Liberty Mutual $12,668 $12,990 $13,414
Nationwide $6,109 $5,727 $5,648
Progressive $4,315 $4,444 $4,555
State Farm $9,912 $10,470 $10,844
Travelers $6,575 $6,656 $6,715
USAA $3,533 $3,638 $3,719

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Best By Category: Cheapest Auto Insurance in Shepherd, Michigan

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

Best Annual Auto Insurance Rates by Company in Shepherd, Michigan

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

The Cheapest Shepherd, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Shepherd, Michigan

Insurance Company Average Annual Rates
Allstate $17,643
Farmers $4,824
GEICO $5,184
Liberty Mutual $13,024
Nationwide $5,828
Progressive $4,438
State Farm $10,409
Travelers $6,649
USAA $3,630

What affects auto insurance rates in Shepherd, Michigan?

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

Shepherd Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Shepherd, Michigan auto theft statistics, there have been 0 auto thefts in the city.

Shepherd Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Shepherd, Michigan commute length is 21.9 minutes according to City-Data.

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Compare Shepherd, Michigan Auto Insurance Quotes

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