Best Cheap Auto Insurance in Spruce, MI (2021)

The average Spruce, MI auto insurance rates are $763 per month. The minimum auto insurance in Spruce is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Spruce, 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 Spruce, MI for senior drivers are $6,028 per year
  • The cheapest auto insurance company in Spruce is USAA
  • The minimum auto insurance required in Spruce, Michigan is 20/40/10

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

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

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

Minimum Auto Insurance in Spruce, Michigan

Spruce, 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 Spruce, Michigan.

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

Auto insurance rates in Spruce, 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 Spruce, 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 $14,130 $14,130 $13,112 $13,112 $35,096 $35,096 $14,887 $14,887
Farmers $4,283 $4,283 $3,999 $3,999 $9,329 $9,329 $4,802 $4,802
GEICO $3,763 $3,763 $3,801 $3,801 $10,378 $10,378 $3,599 $3,599
Liberty Mutual $12,825 $12,825 $12,695 $12,695 $30,474 $30,474 $12,825 $12,825
Nationwide $4,763 $4,763 $4,231 $4,231 $12,415 $12,415 $5,214 $5,214
Progressive $3,229 $3,010 $2,838 $3,177 $11,427 $12,131 $3,764 $3,481
State Farm $6,871 $6,871 $6,336 $6,336 $23,469 $23,469 $8,043 $8,043
Travelers $5,584 $5,584 $4,792 $4,792 $16,861 $16,861 $6,069 $6,069
USAA $2,489 $2,376 $2,338 $2,222 $6,054 $5,798 $3,047 $2,949

Cheap Spruce, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Spruce, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $35,096 $35,096
Farmers $9,329 $9,329
GEICO $10,378 $10,378
Liberty Mutual $30,474 $30,474
Nationwide $12,415 $12,415
Progressive $11,427 $12,131
State Farm $23,469 $23,469
Travelers $16,861 $16,861
USAA $6,054 $5,798

Cheap Spruce, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Spruce, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,112 $13,112
Farmers $3,999 $3,999
GEICO $3,801 $3,801
Liberty Mutual $12,695 $12,695
Nationwide $4,231 $4,231
Progressive $2,838 $3,177
State Farm $6,336 $6,336
Travelers $4,792 $4,792
USAA $2,338 $2,222

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

Annual Spruce, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,444 $12,597 $42,001 $13,182
Farmers $4,719 $5,994 $5,921 $5,779
GEICO $1,941 $4,016 $12,049 $3,534
Liberty Mutual $12,177 $14,582 $26,565 $15,494
Nationwide $5,683 $7,605 $6,921 $6,413
Progressive $4,553 $5,986 $5,395 $5,595
State Farm $7,248 $8,616 $18,188 $10,667
Travelers $5,658 $8,053 $12,908 $6,686
USAA $2,747 $3,414 $4,482 $2,993

Cheap Spruce, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Spruce, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $42,001
Farmers $5,921
GEICO $12,049
Liberty Mutual $26,565
Nationwide $6,921
Progressive $5,395
State Farm $18,188
Travelers $12,908
USAA $4,482

Cheap Spruce, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Spruce, Michigan

Insurance Company Poor Fair Good
Allstate $29,310 $16,214 $12,394
Farmers $7,421 $4,882 $4,506
GEICO $6,920 $5,091 $4,144
Liberty Mutual $27,202 $15,721 $8,691
Nationwide $8,377 $6,271 $5,320
Progressive $6,240 $5,219 $4,687
State Farm $18,129 $9,176 $6,234
Travelers $8,534 $8,275 $8,170
USAA $5,097 $2,906 $2,224

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Cheap Spruce, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Spruce, Michigan

ZIP Code Average Annual Rates
48762 $6,526

Cheap Spruce, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Spruce, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $19,306 $19,306
Farmers $5,603 $5,603
GEICO $5,260 $5,510
Liberty Mutual $16,605 $17,805
Nationwide $6,656 $6,656
Progressive $5,382 $5,382
State Farm $10,877 $11,483
Travelers $8,279 $8,375
USAA $3,370 $3,448

Cheap Spruce, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Spruce, Michigan

Insurance Company Low Medium High
Allstate $18,877 $19,344 $19,697
Farmers $5,462 $5,591 $5,757
GEICO $5,036 $5,338 $5,782
Liberty Mutual $16,782 $17,164 $17,669
Nationwide $6,997 $6,535 $6,435
Progressive $5,216 $5,389 $5,541
State Farm $10,631 $11,247 $11,661
Travelers $8,241 $8,334 $8,405
USAA $3,309 $3,417 $3,502

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Best By Category: Cheapest Auto Insurance in Spruce, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Spruce, Michigan

Insurance Company Average Annual Rates
Allstate $19,306
Farmers $5,603
GEICO $5,385
Liberty Mutual $17,205
Nationwide $6,656
Progressive $5,382
State Farm $11,180
Travelers $8,327
USAA $3,409

Compare Spruce, Michigan Auto Insurance Quotes

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