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

The average St. Johns, MI auto insurance rates are $716 per month. The minimum auto insurance in St. Johns is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in St. Johns, 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 average commute length in St. Johns is 24.9 minutes
  • The most expensive auto insurance company in St. Johns for teen drivers is Liberty Mutual
  • The cheapest auto insurance company in St. Johns is USAA

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

Compare auto insurance in St. Johns to other Michigan cities, including Grand Rapids auto insurance rates, Detroit auto insurance rates, and Sterling Heights auto insurance rates to see how St. Johns, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in St. Johns, Michigan

St. Johns, 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. Johns, Michigan.

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

Auto insurance rates in St. Johns, 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. Johns, 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 $12,464 $12,464 $11,487 $11,487 $32,198 $32,198 $13,157 $13,157
Farmers $3,736 $3,736 $3,477 $3,477 $8,527 $8,527 $4,196 $4,196
GEICO $3,629 $3,629 $3,709 $3,709 $10,373 $10,373 $3,473 $3,473
Liberty Mutual $14,499 $14,499 $14,355 $14,355 $34,357 $34,357 $14,499 $14,499
Nationwide $4,455 $4,455 $3,952 $3,952 $11,888 $11,888 $4,891 $4,891
Progressive $2,583 $2,421 $2,288 $2,534 $9,186 $9,809 $3,001 $2,805
State Farm $5,808 $5,808 $5,371 $5,371 $19,944 $19,944 $6,801 $6,801
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,571 $2,444 $2,416 $2,285 $6,381 $6,097 $3,148 $3,034

Cheap St. Johns, Michigan Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $32,198 $32,198
Farmers $8,527 $8,527
GEICO $10,373 $10,373
Liberty Mutual $34,357 $34,357
Nationwide $11,888 $11,888
Progressive $9,186 $9,809
State Farm $19,944 $19,944
Travelers $13,395 $13,395
USAA $6,381 $6,097

Cheap St. Johns, Michigan Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $11,487 $11,487
Farmers $3,477 $3,477
GEICO $3,709 $3,709
Liberty Mutual $14,355 $14,355
Nationwide $3,952 $3,952
Progressive $2,288 $2,534
State Farm $5,371 $5,371
Travelers $3,858 $3,858
USAA $2,416 $2,285

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

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

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,550 $11,333 $37,534 $11,889
Farmers $4,197 $5,339 $5,266 $5,135
GEICO $1,858 $3,947 $11,937 $3,442
Liberty Mutual $13,662 $16,428 $30,178 $17,443
Nationwide $5,390 $7,183 $6,542 $6,071
Progressive $3,688 $4,801 $4,333 $4,491
State Farm $6,115 $7,285 $15,482 $9,042
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,853 $3,560 $4,664 $3,111

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

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $37,534
Farmers $5,266
GEICO $11,937
Liberty Mutual $30,178
Nationwide $6,542
Progressive $4,333
State Farm $15,482
Travelers $10,331
USAA $4,664

Cheap St. Johns, Michigan Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $26,102 $14,530 $11,348
Farmers $6,517 $4,380 $4,056
GEICO $6,805 $5,007 $4,076
Liberty Mutual $30,734 $17,750 $9,799
Nationwide $7,885 $5,946 $5,058
Progressive $4,987 $4,202 $3,796
State Farm $15,350 $7,789 $5,304
Travelers $6,813 $6,608 $6,525
USAA $5,308 $3,024 $2,310

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

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

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

ZIP Code Average Annual Rates
48879 $6,049

Cheap St. Johns, Michigan Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $17,326 $17,326
Farmers $4,984 $4,984
GEICO $5,177 $5,415
Liberty Mutual $18,753 $20,103
Nationwide $6,296 $6,296
Progressive $4,328 $4,328
State Farm $9,226 $9,736
Travelers $6,611 $6,686
USAA $3,507 $3,587

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

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

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

Insurance Company Low Medium High
Allstate $16,857 $17,368 $17,754
Farmers $4,834 $4,969 $5,149
GEICO $4,948 $5,249 $5,692
Liberty Mutual $18,989 $19,385 $19,909
Nationwide $6,594 $6,188 $6,107
Progressive $4,194 $4,335 $4,457
State Farm $9,014 $9,538 $9,890
Travelers $6,575 $6,656 $6,715
USAA $3,447 $3,555 $3,639

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

Compare the cheapest auto insurance companies in St. Johns, 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. Johns, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

The Cheapest St. Johns, Michigan Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $17,326
Farmers $4,984
GEICO $5,296
Liberty Mutual $19,428
Nationwide $6,296
Progressive $4,328
State Farm $9,481
Travelers $6,649
USAA $3,547

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

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

St. Johns 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. Johns, Michigan auto theft statistics, there have been 1 auto thefts in the city.

St. Johns Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average St. Johns, Michigan commute length is 24.9 minutes according to City-Data.

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Compare St. Johns, Michigan Auto Insurance Quotes

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