Best Cheap Auto Insurance in Three Oaks, MI (2021)

The average Three Oaks, MI auto insurance rates are $729 per month. The minimum auto insurance in Three Oaks is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Three Oaks, 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 Three Oaks is USAA
  • Average auto insurance rates in Three Oaks, MI for senior drivers are $5,768 per year
  • The minimum auto insurance required in Three Oaks, Michigan is 20/40/10

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

Compare auto insurance in Three Oaks to other Michigan cities, including Grand Rapids auto insurance rates, Lansing auto insurance rates, and Sterling Heights auto insurance rates to see how Three Oaks, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Three Oaks, Michigan

Three Oaks, 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 Three Oaks, Michigan.

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

Auto insurance rates in Three Oaks, 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 Three Oaks, 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 $14,600 $14,600 $13,590 $13,590 $36,020 $36,020 $15,375 $15,375
Farmers $3,608 $3,608 $3,367 $3,367 $8,090 $8,090 $4,060 $4,060
GEICO $3,306 $3,306 $3,398 $3,398 $9,596 $9,596 $3,165 $3,165
Liberty Mutual $12,179 $12,179 $12,062 $12,062 $28,240 $28,240 $12,179 $12,179
Nationwide $4,901 $4,901 $4,360 $4,360 $13,163 $13,163 $5,390 $5,390
Progressive $2,585 $2,410 $2,296 $2,548 $9,443 $10,083 $3,000 $2,788
State Farm $6,847 $6,847 $6,369 $6,369 $24,240 $24,240 $8,046 $8,046
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,721 $2,559 $2,563 $2,408 $6,659 $6,279 $3,302 $3,142

Cheap Three Oaks, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Three Oaks, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,020 $36,020
Farmers $8,090 $8,090
GEICO $9,596 $9,596
Liberty Mutual $28,240 $28,240
Nationwide $13,163 $13,163
Progressive $9,443 $10,083
State Farm $24,240 $24,240
Travelers $13,395 $13,395
USAA $6,659 $6,279

Cheap Three Oaks, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Three Oaks, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,590 $13,590
Farmers $3,367 $3,367
GEICO $3,398 $3,398
Liberty Mutual $12,062 $12,062
Nationwide $4,360 $4,360
Progressive $2,296 $2,548
State Farm $6,369 $6,369
Travelers $3,858 $3,858
USAA $2,563 $2,408

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

Annual Three Oaks, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,604 $12,880 $43,593 $13,507
Farmers $4,018 $5,118 $5,051 $4,937
GEICO $1,696 $3,632 $10,981 $3,155
Liberty Mutual $11,060 $13,540 $25,747 $14,313
Nationwide $5,932 $7,980 $7,214 $6,689
Progressive $3,743 $4,885 $4,395 $4,554
State Farm $7,180 $8,639 $18,855 $10,828
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,977 $3,723 $4,873 $3,244

Cheap Three Oaks, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Three Oaks, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $43,593
Farmers $5,051
GEICO $10,981
Liberty Mutual $25,747
Nationwide $7,214
Progressive $4,395
State Farm $18,855
Travelers $10,331
USAA $4,873

Cheap Three Oaks, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Three Oaks, Michigan

Insurance Company Poor Fair Good
Allstate $30,165 $16,740 $12,783
Farmers $6,290 $4,187 $3,867
GEICO $6,248 $4,601 $3,749
Liberty Mutual $25,550 $14,772 $8,173
Nationwide $8,730 $6,567 $5,565
Progressive $5,052 $4,270 $3,860
State Farm $18,451 $9,336 $6,341
Travelers $6,813 $6,608 $6,525
USAA $5,540 $3,168 $2,404

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Cheap Three Oaks, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Three Oaks, Michigan

ZIP Code Average Annual Rates
49128 $6,163

Cheap Three Oaks, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Three Oaks, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $19,896 $19,896
Farmers $4,781 $4,781
GEICO $4,758 $4,974
Liberty Mutual $15,619 $16,711
Nationwide $6,954 $6,954
Progressive $4,394 $4,394
State Farm $11,069 $11,683
Travelers $6,611 $6,686
USAA $3,662 $3,747

Cheap Three Oaks, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Three Oaks, Michigan

Insurance Company Low Medium High
Allstate $19,285 $19,950 $20,453
Farmers $4,677 $4,772 $4,894
GEICO $4,510 $4,818 $5,270
Liberty Mutual $15,685 $16,118 $16,693
Nationwide $7,234 $6,848 $6,779
Progressive $4,267 $4,400 $4,516
State Farm $10,799 $11,447 $11,882
Travelers $6,575 $6,656 $6,715
USAA $3,584 $3,715 $3,814

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Best By Category: Cheapest Auto Insurance in Three Oaks, Michigan

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

Best Annual Auto Insurance Rates by Company in Three Oaks, Michigan

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

The Cheapest Three Oaks, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Three Oaks, Michigan

Insurance Company Average Annual Rates
Allstate $19,896
Farmers $4,781
GEICO $4,866
Liberty Mutual $16,165
Nationwide $6,954
Progressive $4,394
State Farm $11,376
Travelers $6,649
USAA $3,704

What affects auto insurance rates in Three Oaks, Michigan?

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

Three Oaks Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Three Oaks, Michigan commute length is 23.8 minutes according to City-Data.

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Compare Three Oaks, Michigan Auto Insurance Quotes

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