Best Cheap Auto Insurance in Spalding, MI (2021)

The average Spalding, MI auto insurance rates are $771 per month. The minimum auto insurance in Spalding is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Spalding, 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 minimum auto insurance required in Spalding, Michigan is 20/40/10
  • The cheapest auto insurance company in Spalding is USAA
  • The most expensive auto insurance company in Spalding for teen drivers is Liberty Mutual

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

Compare auto insurance in Spalding to other Michigan cities, including Livonia auto insurance rates, Sterling Heights auto insurance rates, and Flint auto insurance rates to see how Spalding, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Spalding, Michigan

Spalding, 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 Spalding, Michigan.

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

Auto insurance rates in Spalding, 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 Spalding, 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 $3,964 $3,964 $3,698 $3,698 $8,797 $8,797 $4,444 $4,444
GEICO $3,700 $3,700 $3,732 $3,732 $10,212 $10,212 $3,541 $3,541
Liberty Mutual $14,273 $14,273 $14,122 $14,122 $34,830 $34,830 $14,273 $14,273
Nationwide $4,060 $4,060 $3,603 $3,603 $10,595 $10,595 $4,443 $4,443
Progressive $3,074 $2,891 $2,699 $2,999 $10,857 $11,602 $3,592 $3,374
State Farm $7,325 $7,325 $6,757 $6,757 $25,031 $25,031 $8,573 $8,573
Travelers $5,193 $5,193 $4,461 $4,461 $15,616 $15,616 $5,639 $5,639
USAA $2,587 $2,452 $2,431 $2,299 $6,217 $5,902 $3,146 $3,020

Cheap Spalding, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Spalding, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $34,530 $34,530
Farmers $8,797 $8,797
GEICO $10,212 $10,212
Liberty Mutual $34,830 $34,830
Nationwide $10,595 $10,595
Progressive $10,857 $11,602
State Farm $25,031 $25,031
Travelers $15,616 $15,616
USAA $6,217 $5,902

Cheap Spalding, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Spalding, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,431 $13,431
Farmers $3,698 $3,698
GEICO $3,732 $3,732
Liberty Mutual $14,122 $14,122
Nationwide $3,603 $3,603
Progressive $2,699 $2,999
State Farm $6,757 $6,757
Travelers $4,461 $4,461
USAA $2,431 $2,299

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

Annual Spalding, 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 $4,402 $5,594 $5,521 $5,387
GEICO $1,916 $3,950 $11,839 $3,480
Liberty Mutual $14,203 $16,625 $28,910 $17,761
Nationwide $4,869 $6,449 $5,903 $5,479
Progressive $4,362 $5,699 $5,141 $5,342
State Farm $7,735 $9,191 $19,386 $11,376
Travelers $5,235 $7,468 $12,018 $6,188
USAA $2,825 $3,517 $4,608 $3,078

Cheap Spalding, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Spalding, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $41,923
Farmers $5,521
GEICO $11,839
Liberty Mutual $28,910
Nationwide $5,903
Progressive $5,141
State Farm $19,386
Travelers $12,018
USAA $4,608

Cheap Spalding, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Spalding, Michigan

Insurance Company Poor Fair Good
Allstate $29,571 $16,285 $12,295
Farmers $6,874 $4,574 $4,230
GEICO $6,805 $5,007 $4,077
Liberty Mutual $30,651 $17,702 $9,771
Nationwide $7,102 $5,356 $4,568
Progressive $5,944 $4,978 $4,486
State Farm $19,344 $9,782 $6,640
Travelers $7,919 $7,680 $7,583
USAA $5,248 $2,994 $2,279

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Cheap Spalding, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Spalding, Michigan

ZIP Code Average Annual Rates
49886 $6,473

Cheap Spalding, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Spalding, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $19,384 $19,384
Farmers $5,226 $5,226
GEICO $5,172 $5,420
Liberty Mutual $18,676 $20,073
Nationwide $5,675 $5,675
Progressive $5,136 $5,136
State Farm $11,595 $12,249
Travelers $7,683 $7,771
USAA $3,466 $3,547

Cheap Spalding, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Spalding, Michigan

Insurance Company Low Medium High
Allstate $18,944 $19,423 $19,784
Farmers $5,081 $5,213 $5,383
GEICO $4,962 $5,251 $5,676
Liberty Mutual $18,941 $19,332 $19,850
Nationwide $5,945 $5,577 $5,504
Progressive $4,995 $5,142 $5,271
State Farm $11,320 $11,996 $12,449
Travelers $7,640 $7,737 $7,805
USAA $3,410 $3,515 $3,596

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Best By Category: Cheapest Auto Insurance in Spalding, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Spalding, Michigan

Insurance Company Average Annual Rates
Allstate $19,384
Farmers $5,226
GEICO $5,296
Liberty Mutual $19,375
Nationwide $5,675
Progressive $5,136
State Farm $11,922
Travelers $7,727
USAA $3,507

Compare Spalding, Michigan Auto Insurance Quotes

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