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

The average St. Clair Shores, MI auto insurance rates are $1,093 per month. The minimum auto insurance in St. Clair Shores 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 Shores, 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 most expensive auto insurance company in St. Clair Shores for teen drivers is Allstate
  • Average auto insurance rates in St. Clair Shores, MI for senior drivers are $8,671 per year
  • The minimum auto insurance required in St. Clair Shores, Michigan is 20/40/10

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

Compare auto insurance in St. Clair Shores to other Michigan cities, including Troy auto insurance rates, Detroit auto insurance rates, and Ann Arbor auto insurance rates to see how St. Clair Shores, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in St. Clair Shores, Michigan

St. Clair Shores, 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 Shores, Michigan.

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

Auto insurance rates in St. Clair Shores, 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 Shores, 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 $20,031 $20,031 $18,611 $18,611 $49,970 $49,970 $21,104 $21,104
Farmers $14,718 $14,718 $13,572 $13,572 $33,247 $33,247 $16,720 $16,720
GEICO $5,901 $5,901 $6,038 $6,038 $16,057 $16,057 $5,615 $5,615
Liberty Mutual $15,316 $15,316 $15,166 $15,166 $35,785 $35,785 $15,316 $15,316
Nationwide $4,712 $4,712 $4,191 $4,191 $12,583 $12,583 $5,177 $5,177
Progressive $3,480 $3,197 $3,069 $3,465 $12,741 $13,456 $4,041 $3,659
State Farm $8,759 $8,759 $8,172 $8,172 $31,427 $31,427 $10,307 $10,307
Travelers $7,464 $7,464 $6,400 $6,400 $22,645 $22,645 $8,116 $8,116
USAA $2,873 $2,702 $2,704 $2,539 $7,060 $6,659 $3,493 $3,324

Cheap St. Clair Shores, Michigan Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $49,970 $49,970
Farmers $33,247 $33,247
GEICO $16,057 $16,057
Liberty Mutual $35,785 $35,785
Nationwide $12,583 $12,583
Progressive $12,741 $13,456
State Farm $31,427 $31,427
Travelers $22,645 $22,645
USAA $7,060 $6,659

Cheap St. Clair Shores, Michigan Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $18,611 $18,611
Farmers $13,572 $13,572
GEICO $6,038 $6,038
Liberty Mutual $15,166 $15,166
Nationwide $4,191 $4,191
Progressive $3,069 $3,465
State Farm $8,172 $8,172
Travelers $6,400 $6,400
USAA $2,704 $2,539

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

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

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $13,192 $17,677 $60,243 $18,604
Farmers $16,254 $21,078 $20,686 $20,238
GEICO $2,905 $6,235 $19,047 $5,425
Liberty Mutual $14,046 $17,131 $32,272 $18,134
Nationwide $5,692 $7,639 $6,917 $6,416
Progressive $4,962 $6,578 $5,904 $6,111
State Farm $9,177 $11,086 $24,450 $13,950
Travelers $7,561 $10,789 $17,326 $8,948
USAA $3,147 $3,941 $5,158 $3,431

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

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $60,243
Farmers $20,686
GEICO $19,047
Liberty Mutual $32,272
Nationwide $6,917
Progressive $5,904
State Farm $24,450
Travelers $17,326
USAA $5,158

Cheap St. Clair Shores, Michigan Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $41,670 $23,048 $17,569
Farmers $28,928 $15,436 $14,328
GEICO $10,831 $7,937 $6,441
Liberty Mutual $32,264 $18,634 $10,289
Nationwide $8,365 $6,294 $5,339
Progressive $6,822 $5,721 $5,122
State Farm $23,820 $12,027 $8,151
Travelers $11,437 $11,087 $10,945
USAA $5,877 $3,347 $2,533

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

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

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

ZIP Code Average Annual Rates
48080 $9,535
48081 $8,868
48082 $9,667

Cheap St. Clair Shores, Michigan Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $27,429 $27,429
Farmers $19,564 $19,564
GEICO $8,211 $8,595
Liberty Mutual $19,700 $21,091
Nationwide $6,666 $6,666
Progressive $5,888 $5,888
State Farm $14,265 $15,067
Travelers $11,092 $11,221
USAA $3,874 $3,965

Cheap St. Clair Shores, 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 Shores, Michigan? Check out the comparison of annual St. Clair Shores, Michigan auto insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $26,772 $27,487 $28,028
Farmers $19,041 $19,512 $20,140
GEICO $7,836 $8,319 $9,054
Liberty Mutual $19,929 $20,350 $20,907
Nationwide $6,955 $6,559 $6,483
Progressive $5,691 $5,895 $6,080
State Farm $13,887 $14,762 $15,349
Travelers $11,055 $11,166 $11,247
USAA $3,803 $3,929 $4,026

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

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

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

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

Insurance Company Average Annual Rates
Allstate $27,429
Farmers $19,564
GEICO $8,403
Liberty Mutual $20,396
Nationwide $6,666
Progressive $5,889
State Farm $14,666
Travelers $11,156
USAA $3,919

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

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

St. Clair Shores 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 Shores, Michigan auto theft statistics, there have been 55 auto thefts in the city.

St. Clair Shores Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average St. Clair Shores, Michigan commute length is 27.0 minutes according to City-Data.

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Compare St. Clair Shores, Michigan Auto Insurance Quotes

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