Traverse City, MI Auto Insurance (2024)
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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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
Frequently Asked Questions
How does driving record affect auto insurance rates in Traverse City, MI?
Your driving record has a significant impact on auto insurance rates in Traverse City, MI. A clean driving record typically leads to lower rates, while accidents, DUIs, and speeding violations can cause rates to increase.
What are the auto insurance rates after a DUI in Traverse City, MI?
Auto insurance rates after a DUI in Traverse City, MI tend to be significantly higher. It’s important to compare quotes from different companies to find the best rates available to you.
Do auto insurance rates vary by ZIP code in Traverse City, MI?
Yes, auto insurance rates can vary by ZIP code in Traverse City, MI. Factors such as population density, crime rates, and accident statistics in a particular area can influence insurance rates.
What factors can affect my auto insurance rates in Traverse City, Michigan?
Auto insurance rates in Traverse City, Michigan can be affected by various factors such as age, gender, marital status, driving record, credit history, ZIP code, commute length, and coverage level.
What are the minimum auto insurance requirements in Traverse City, Michigan?
The minimum auto insurance requirements in Traverse City, Michigan are 20/40/10, which means you need to have at least $20,000 in bodily injury liability coverage per person, $40,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage.
Can I cancel my auto insurance policy in Traverse City, Michigan?
Yes, you can cancel your auto insurance policy in Traverse City, Michigan. However, it’s important to check the terms and conditions of your policy and consider the potential consequences of canceling. You may need to find alternative coverage to comply with the state’s requirements.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.