Best Cheap Auto Insurance in St. Charles, MI (2021)

The average St. Charles, MI auto insurance rates are $770 per month. The minimum auto insurance in St. Charles is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in St. Charles, 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 St. Charles, MI for senior drivers are $6,037 per year
  • The cheapest auto insurance company in St. Charles is USAA
  • The minimum auto insurance required in St. Charles, Michigan is 20/40/10

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

Compare auto insurance in St. Charles to other Michigan cities, including Detroit auto insurance rates, Dearborn auto insurance rates, and Warren auto insurance rates to see how St. Charles, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in St. Charles, Michigan

St. Charles, 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 St. Charles, Michigan.

Minimum Required Auto Insurance Coverage in St. Charles, 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 St. Charles, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in St. Charles, 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 St. Charles, 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 $12,778 $12,778 $11,800 $11,800 $32,616 $32,616 $13,481 $13,481
Farmers $4,644 $4,644 $4,340 $4,340 $10,099 $10,099 $5,220 $5,220
GEICO $4,162 $4,162 $4,254 $4,254 $11,659 $11,659 $3,979 $3,979
Liberty Mutual $12,294 $12,294 $12,175 $12,175 $28,516 $28,516 $12,294 $12,294
Nationwide $4,005 $4,005 $3,584 $3,584 $9,927 $9,927 $4,357 $4,357
Progressive $3,323 $3,056 $2,931 $3,311 $12,025 $12,679 $3,857 $3,492
State Farm $8,475 $8,475 $7,891 $7,891 $30,063 $30,063 $9,957 $9,957
Travelers $5,615 $5,615 $4,820 $4,820 $16,936 $16,936 $6,099 $6,099
USAA $2,571 $2,450 $2,416 $2,289 $6,400 $6,131 $3,156 $3,049

Cheap St. Charles, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in St. Charles, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $32,616 $32,616
Farmers $10,099 $10,099
GEICO $11,659 $11,659
Liberty Mutual $28,516 $28,516
Nationwide $9,927 $9,927
Progressive $12,025 $12,679
State Farm $30,063 $30,063
Travelers $16,936 $16,936
USAA $6,400 $6,131

Cheap St. Charles, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in St. Charles, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $11,800 $11,800
Farmers $4,340 $4,340
GEICO $4,254 $4,254
Liberty Mutual $12,175 $12,175
Nationwide $3,584 $3,584
Progressive $2,931 $3,311
State Farm $7,891 $7,891
Travelers $4,820 $4,820
USAA $2,416 $2,289

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

Annual St. Charles, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,702 $11,553 $38,310 $12,110
Farmers $5,105 $6,499 $6,423 $6,277
GEICO $2,099 $4,472 $13,583 $3,900
Liberty Mutual $11,174 $13,680 $25,963 $14,461
Nationwide $4,672 $6,251 $5,684 $5,267
Progressive $4,708 $6,234 $5,599 $5,795
State Farm $8,905 $10,710 $23,352 $13,419
Travelers $5,663 $8,086 $13,026 $6,695
USAA $2,861 $3,568 $4,682 $3,120

Cheap St. Charles, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in St. Charles, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $38,310
Farmers $6,423
GEICO $13,583
Liberty Mutual $25,963
Nationwide $5,684
Progressive $5,599
State Farm $23,352
Travelers $13,026
USAA $4,682

Cheap St. Charles, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in St. Charles, Michigan

Insurance Company Poor Fair Good
Allstate $26,685 $14,823 $11,498
Farmers $8,085 $5,280 $4,863
GEICO $7,734 $5,683 $4,622
Liberty Mutual $25,786 $14,914 $8,258
Nationwide $6,889 $5,147 $4,369
Progressive $6,471 $5,423 $4,858
State Farm $22,899 $11,559 $7,832
Travelers $8,575 $8,316 $8,211
USAA $5,322 $3,032 $2,319

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Cheap St. Charles, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in St. Charles, Michigan

ZIP Code Average Annual Rates
48655 $6,582

Cheap St. Charles, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in St. Charles, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $17,669 $17,669
Farmers $6,076 $6,076
GEICO $5,877 $6,149
Liberty Mutual $15,768 $16,871
Nationwide $5,468 $5,468
Progressive $5,584 $5,584
State Farm $13,706 $14,487
Travelers $8,320 $8,416
USAA $3,518 $3,598

Cheap St. Charles, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in St. Charles, Michigan

Insurance Company Low Medium High
Allstate $17,239 $17,707 $18,060
Farmers $5,953 $6,066 $6,209
GEICO $5,676 $5,968 $6,397
Liberty Mutual $15,937 $16,282 $16,741
Nationwide $5,754 $5,370 $5,282
Progressive $5,413 $5,590 $5,749
State Farm $13,336 $14,190 $14,763
Travelers $8,281 $8,376 $8,446
USAA $3,448 $3,567 $3,658

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Best By Category: Cheapest Auto Insurance in St. Charles, Michigan

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

Best Annual Auto Insurance Rates by Company in St. Charles, 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 St. Charles, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in St. Charles, Michigan

Insurance Company Average Annual Rates
Allstate $17,669
Farmers $6,076
GEICO $6,013
Liberty Mutual $16,320
Nationwide $5,468
Progressive $5,584
State Farm $14,096
Travelers $8,368
USAA $3,558

What affects auto insurance rates in St. Charles, Michigan?

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

St. Charles Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual St. Charles, Michigan auto theft statistics, there have been 1 auto thefts in the city.

St. Charles Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average St. Charles, Michigan commute length is 25.6 minutes according to City-Data.

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Compare St. Charles, Michigan Auto Insurance Quotes

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