Best Cheap Auto Insurance in Traverse City, MI (2021)

The average Traverse City, MI auto insurance rates are $762 per month. The minimum auto insurance in Traverse City is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Traverse City, Michigan, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 Daniel Walker

UPDATED: May 4, 2022

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Things to Remember

  • The minimum auto insurance required in Traverse City, Michigan is 20/40/10
  • The most expensive auto insurance company in Traverse City for teen drivers is Allstate
  • The cheapest auto insurance company in Traverse City is USAA

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

Compare auto insurance in Traverse City to other Michigan cities, including Ann Arbor auto insurance rates, Detroit auto insurance rates, and Flint auto insurance rates to see how Traverse City, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Traverse City, Michigan

Traverse City, 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 Traverse City, Michigan.

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

Auto insurance rates in Traverse City, 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 Traverse City, 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 $14,833 $14,833 $13,758 $13,758 $37,191 $37,191 $15,632 $15,632
Farmers $4,106 $4,106 $3,831 $3,831 $9,176 $9,176 $4,620 $4,620
GEICO $3,726 $3,726 $3,809 $3,809 $10,574 $10,574 $3,565 $3,565
Liberty Mutual $13,170 $13,170 $13,040 $13,040 $30,956 $30,956 $13,170 $13,170
Nationwide $4,375 $4,375 $3,907 $3,907 $10,918 $10,918 $4,763 $4,763
Progressive $3,184 $2,943 $2,811 $3,156 $11,658 $12,368 $3,702 $3,390
State Farm $6,550 $6,550 $6,072 $6,072 $22,998 $22,998 $7,696 $7,696
Travelers $5,348 $5,348 $4,589 $4,589 $16,137 $16,137 $5,811 $5,811
USAA $2,422 $2,301 $2,277 $2,153 $5,982 $5,712 $2,958 $2,848

Cheap Traverse City, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Traverse City, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $37,191 $37,191
Farmers $9,176 $9,176
GEICO $10,574 $10,574
Liberty Mutual $30,956 $30,956
Nationwide $10,918 $10,918
Progressive $11,658 $12,368
State Farm $22,998 $22,998
Travelers $16,137 $16,137
USAA $5,982 $5,712

Cheap Traverse City, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Traverse City, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,758 $13,758
Farmers $3,831 $3,831
GEICO $3,809 $3,809
Liberty Mutual $13,040 $13,040
Nationwide $3,907 $3,907
Progressive $2,811 $3,156
State Farm $6,072 $6,072
Travelers $4,589 $4,589
USAA $2,277 $2,153

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

Annual Traverse City, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,870 $13,186 $44,504 $13,854
Farmers $4,563 $5,816 $5,741 $5,613
GEICO $1,900 $4,037 $12,216 $3,520
Liberty Mutual $12,235 $14,824 $27,562 $15,714
Nationwide $5,111 $6,851 $6,231 $5,770
Progressive $4,568 $6,025 $5,408 $5,605
State Farm $6,869 $8,246 $17,888 $10,312
Travelers $5,408 $7,706 $12,382 $6,390
USAA $2,684 $3,344 $4,375 $2,924

Cheap Traverse City, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Traverse City, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $44,504
Farmers $5,741
GEICO $12,216
Liberty Mutual $27,562
Nationwide $6,231
Progressive $5,408
State Farm $17,888
Travelers $12,382
USAA $4,375

Cheap Traverse City, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Traverse City, Michigan

Insurance Company Poor Fair Good
Allstate $30,862 $17,099 $13,100
Farmers $7,161 $4,751 $4,387
GEICO $6,963 $5,122 $4,170
Liberty Mutual $27,805 $16,067 $8,880
Nationwide $7,563 $5,634 $4,775
Progressive $6,242 $5,247 $4,716
State Farm $17,555 $8,890 $6,042
Travelers $8,169 $7,922 $7,822
USAA $4,974 $2,844 $2,177

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Cheap Traverse City, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Traverse City, Michigan

ZIP Code Average Annual Rates
49685 $6,539
49686 $6,354
49696 $6,590

Cheap Traverse City, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Traverse City, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $20,354 $20,354
Farmers $5,433 $5,433
GEICO $5,296 $5,541
Liberty Mutual $16,979 $18,189
Nationwide $5,991 $5,991
Progressive $5,402 $5,402
State Farm $10,543 $11,115
Travelers $7,926 $8,017
USAA $3,294 $3,369

Cheap Traverse City, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Traverse City, Michigan

Insurance Company Low Medium High
Allstate $19,914 $20,392 $20,755
Farmers $5,314 $5,423 $5,562
GEICO $5,062 $5,370 $5,823
Liberty Mutual $17,167 $17,543 $18,042
Nationwide $6,320 $5,878 $5,774
Progressive $5,250 $5,407 $5,548
State Farm $10,314 $10,892 $11,280
Travelers $7,889 $7,978 $8,047
USAA $3,238 $3,339 $3,418

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Best By Category: Cheapest Auto Insurance in Traverse City, Michigan

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

Best Annual Auto Insurance Rates by Company in Traverse City, 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 Traverse City, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Traverse City, Michigan

Insurance Company Average Annual Rates
Allstate $20,354
Farmers $5,433
GEICO $5,418
Liberty Mutual $17,584
Nationwide $5,991
Progressive $5,402
State Farm $10,829
Travelers $7,971
USAA $3,332

What affects auto insurance rates in Traverse City, Michigan?

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

Traverse City Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Traverse City, Michigan auto theft statistics, there have been 7 auto thefts in the city.

Traverse City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Traverse City, Michigan commute length is 17.3 minutes according to City-Data.

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Compare Traverse City, Michigan Auto Insurance Quotes

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