Best Cheap Auto Insurance in Stephenson, MI (2021)

The average Stephenson, MI auto insurance rates are $772 per month. The minimum auto insurance in Stephenson is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Stephenson, 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 Stephenson is USAA
  • Average auto insurance rates in Stephenson, MI for senior drivers are $6,121 per year
  • The minimum auto insurance required in Stephenson, Michigan is 20/40/10

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

Compare auto insurance in Stephenson to other Michigan cities, including Detroit auto insurance rates, Sterling Heights auto insurance rates, and Dearborn auto insurance rates to see how Stephenson, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Stephenson, Michigan

Stephenson, 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 Stephenson, Michigan.

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

Auto insurance rates in Stephenson, 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 Stephenson, 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 $14,412 $14,412 $13,431 $13,431 $34,530 $34,530 $15,163 $15,163
Farmers $3,963 $3,963 $3,697 $3,697 $8,795 $8,795 $4,443 $4,443
GEICO $3,723 $3,723 $3,751 $3,751 $10,255 $10,255 $3,563 $3,563
Liberty Mutual $14,273 $14,273 $14,122 $14,122 $34,830 $34,830 $14,273 $14,273
Nationwide $4,060 $4,060 $3,603 $3,603 $10,595 $10,595 $4,443 $4,443
Progressive $3,169 $2,994 $2,784 $3,071 $11,450 $12,332 $3,716 $3,529
State Farm $7,386 $7,386 $6,781 $6,781 $24,777 $24,777 $8,629 $8,629
Travelers $5,193 $5,193 $4,461 $4,461 $15,616 $15,616 $5,639 $5,639
USAA $2,533 $2,405 $2,380 $2,254 $6,070 $5,772 $3,082 $2,964

Cheap Stephenson, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Stephenson, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $34,530 $34,530
Farmers $8,795 $8,795
GEICO $10,255 $10,255
Liberty Mutual $34,830 $34,830
Nationwide $10,595 $10,595
Progressive $11,450 $12,332
State Farm $24,777 $24,777
Travelers $15,616 $15,616
USAA $6,070 $5,772

Cheap Stephenson, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Stephenson, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,431 $13,431
Farmers $3,697 $3,697
GEICO $3,751 $3,751
Liberty Mutual $14,122 $14,122
Nationwide $3,603 $3,603
Progressive $2,784 $3,071
State Farm $6,781 $6,781
Travelers $4,461 $4,461
USAA $2,380 $2,254

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

Annual Stephenson, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,561 $12,794 $41,923 $13,257
Farmers $4,400 $5,592 $5,519 $5,386
GEICO $1,929 $3,970 $11,892 $3,500
Liberty Mutual $14,203 $16,625 $28,910 $17,761
Nationwide $4,869 $6,449 $5,903 $5,479
Progressive $4,574 $5,970 $5,384 $5,594
State Farm $7,822 $9,238 $19,151 $11,362
Travelers $5,235 $7,468 $12,018 $6,188
USAA $2,767 $3,440 $4,509 $3,014

Cheap Stephenson, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Stephenson, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $41,923
Farmers $5,519
GEICO $11,892
Liberty Mutual $28,910
Nationwide $5,903
Progressive $5,384
State Farm $19,151
Travelers $12,018
USAA $4,509

Cheap Stephenson, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Stephenson, Michigan

Insurance Company Poor Fair Good
Allstate $29,571 $16,285 $12,295
Farmers $6,872 $4,573 $4,228
GEICO $6,840 $5,032 $4,097
Liberty Mutual $30,651 $17,702 $9,771
Nationwide $7,102 $5,356 $4,568
Progressive $6,208 $5,216 $4,717
State Farm $19,297 $9,759 $6,624
Travelers $7,919 $7,680 $7,583
USAA $5,133 $2,930 $2,234

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Cheap Stephenson, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Stephenson, Michigan

ZIP Code Average Annual Rates
49887 $6,496

Cheap Stephenson, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Stephenson, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $19,384 $19,384
Farmers $5,224 $5,224
GEICO $5,198 $5,448
Liberty Mutual $18,676 $20,073
Nationwide $5,675 $5,675
Progressive $5,381 $5,381
State Farm $11,567 $12,219
Travelers $7,683 $7,771
USAA $3,393 $3,472

Cheap Stephenson, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Stephenson, Michigan

Insurance Company Low Medium High
Allstate $18,944 $19,423 $19,784
Farmers $5,080 $5,212 $5,381
GEICO $4,988 $5,278 $5,702
Liberty Mutual $18,941 $19,332 $19,850
Nationwide $5,945 $5,577 $5,504
Progressive $5,202 $5,389 $5,550
State Farm $11,309 $11,966 $12,406
Travelers $7,640 $7,737 $7,805
USAA $3,336 $3,440 $3,521

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Best By Category: Cheapest Auto Insurance in Stephenson, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Stephenson, Michigan

Insurance Company Average Annual Rates
Allstate $19,384
Farmers $5,224
GEICO $5,323
Liberty Mutual $19,375
Nationwide $5,675
Progressive $5,381
State Farm $11,893
Travelers $7,727
USAA $3,432

What affects auto insurance rates in Stephenson, Michigan?

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

Stephenson Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Stephenson, Michigan commute length is 22.9 minutes according to City-Data.

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Compare Stephenson, Michigan Auto Insurance Quotes

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