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

The average St. Clair, MI auto insurance rates are $858 per month. The minimum auto insurance in St. Clair is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in St. Clair, 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 St. Clair is USAA
  • Average auto insurance rates in St. Clair, MI for senior drivers are $6,776 per year
  • The average commute length in St. Clair is 29.1 minutes

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

Compare auto insurance in St. Clair to other Michigan cities, including Livonia auto insurance rates, Troy auto insurance rates, and Warren auto insurance rates to see how St. Clair, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in St. Clair, Michigan

St. Clair, 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. Clair, Michigan.

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

Auto insurance rates in St. Clair, 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. Clair, 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 $16,411 $16,411 $15,231 $15,231 $41,080 $41,080 $17,296 $17,296
Farmers $4,220 $4,220 $3,928 $3,928 $9,975 $9,975 $4,746 $4,746
GEICO $4,103 $4,103 $4,217 $4,217 $11,571 $11,571 $3,916 $3,916
Liberty Mutual $15,999 $15,999 $15,844 $15,844 $37,070 $37,070 $15,999 $15,999
Nationwide $5,224 $5,224 $4,643 $4,643 $14,083 $14,083 $5,749 $5,749
Progressive $3,004 $2,776 $2,665 $2,976 $11,236 $11,971 $3,491 $3,205
State Farm $7,505 $7,505 $7,000 $7,000 $26,827 $26,827 $8,827 $8,827
Travelers $5,580 $5,580 $4,791 $4,791 $16,837 $16,837 $6,061 $6,061
USAA $2,745 $2,592 $2,582 $2,430 $6,817 $6,468 $3,349 $3,203

Cheap St. Clair, Michigan Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,080 $41,080
Farmers $9,975 $9,975
GEICO $11,571 $11,571
Liberty Mutual $37,070 $37,070
Nationwide $14,083 $14,083
Progressive $11,236 $11,971
State Farm $26,827 $26,827
Travelers $16,837 $16,837
USAA $6,817 $6,468

Cheap St. Clair, Michigan Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,231 $15,231
Farmers $3,928 $3,928
GEICO $4,217 $4,217
Liberty Mutual $15,844 $15,844
Nationwide $4,643 $4,643
Progressive $2,665 $2,976
State Farm $7,000 $7,000
Travelers $4,791 $4,791
USAA $2,582 $2,430

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

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

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,915 $14,587 $49,199 $15,317
Farmers $4,805 $6,135 $6,048 $5,881
GEICO $2,060 $4,431 $13,471 $3,846
Liberty Mutual $14,437 $17,741 $33,989 $18,745
Nationwide $6,329 $8,525 $7,704 $7,141
Progressive $4,374 $5,762 $5,175 $5,350
State Farm $7,864 $9,490 $20,876 $11,930
Travelers $5,616 $8,033 $12,980 $6,641
USAA $3,031 $3,793 $4,964 $3,305

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

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $49,199
Farmers $6,048
GEICO $13,471
Liberty Mutual $33,989
Nationwide $7,704
Progressive $5,175
State Farm $20,876
Travelers $12,980
USAA $4,964

Cheap St. Clair, Michigan Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $34,120 $18,904 $14,489
Farmers $7,454 $5,035 $4,663
GEICO $7,655 $5,626 $4,576
Liberty Mutual $33,591 $19,394 $10,699
Nationwide $9,331 $7,009 $5,934
Progressive $5,945 $5,022 $4,529
State Farm $20,350 $10,288 $6,981
Travelers $8,523 $8,267 $8,163
USAA $5,654 $3,220 $2,446

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

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

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

ZIP Code Average Annual Rates
48079 $7,227

Cheap St. Clair, Michigan Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $22,504 $22,504
Farmers $5,717 $5,717
GEICO $5,819 $6,085
Liberty Mutual $20,512 $21,944
Nationwide $7,425 $7,425
Progressive $5,165 $5,165
State Farm $12,198 $12,882
Travelers $8,270 $8,365
USAA $3,730 $3,817

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

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

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

Insurance Company Low Medium High
Allstate $21,886 $22,559 $23,067
Farmers $5,501 $5,696 $5,954
GEICO $5,533 $5,896 $6,427
Liberty Mutual $20,718 $21,178 $21,787
Nationwide $7,722 $7,312 $7,240
Progressive $4,977 $5,174 $5,344
State Farm $11,880 $12,621 $13,118
Travelers $8,230 $8,325 $8,397
USAA $3,666 $3,782 $3,872

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

Compare the cheapest auto insurance companies in St. Clair, 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. Clair, 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. Clair, Michigan Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $22,504
Farmers $5,717
GEICO $5,952
Liberty Mutual $21,228
Nationwide $7,425
Progressive $5,165
State Farm $12,540
Travelers $8,317
USAA $3,773

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

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

St. Clair 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. Clair, Michigan auto theft statistics, there have been 4 auto thefts in the city.

St. Clair Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average St. Clair, Michigan commute length is 29.1 minutes according to City-Data.

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Compare St. Clair, Michigan Auto Insurance Quotes

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