Best Cheap Auto Insurance in Westphalia, MI (2021)

The average Westphalia, MI auto insurance rates are $670 per month. The minimum auto insurance in Westphalia is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Westphalia, 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 Westphalia is 26.1 minutes
  • Average auto insurance rates in Westphalia, MI for senior drivers are $5,324 per year
  • The most expensive auto insurance company in Westphalia for teen drivers is Allstate

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

Compare auto insurance in Westphalia to other Michigan cities, including Troy auto insurance rates, Ann Arbor auto insurance rates, and Lansing auto insurance rates to see how Westphalia, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Westphalia, Michigan

Westphalia, 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 Westphalia, Michigan.

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

Auto insurance rates in Westphalia, 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 Westphalia, 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 $12,370 $12,370 $11,402 $11,402 $31,891 $31,891 $13,057 $13,057
Farmers $4,339 $4,339 $4,058 $4,058 $9,034 $9,034 $4,861 $4,861
GEICO $3,759 $3,759 $3,798 $3,798 $10,324 $10,324 $3,596 $3,596
Liberty Mutual $12,336 $12,336 $12,215 $12,215 $28,951 $28,951 $12,336 $12,336
Nationwide $2,796 $2,796 $2,515 $2,515 $6,805 $6,805 $3,033 $3,033
Progressive $2,752 $2,595 $2,427 $2,679 $9,829 $10,551 $3,211 $3,036
State Farm $5,702 $5,702 $5,267 $5,267 $19,641 $19,641 $6,684 $6,684
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,462 $2,344 $2,313 $2,195 $5,952 $5,682 $3,004 $2,899

Cheap Westphalia, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Westphalia, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $31,891 $31,891
Farmers $9,034 $9,034
GEICO $10,324 $10,324
Liberty Mutual $28,951 $28,951
Nationwide $6,805 $6,805
Progressive $9,829 $10,551
State Farm $19,641 $19,641
Travelers $13,395 $13,395
USAA $5,952 $5,682

Cheap Westphalia, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Westphalia, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $11,402 $11,402
Farmers $4,058 $4,058
GEICO $3,798 $3,798
Liberty Mutual $12,215 $12,215
Nationwide $2,515 $2,515
Progressive $2,427 $2,679
State Farm $5,267 $5,267
Travelers $3,858 $3,858
USAA $2,313 $2,195

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

Annual Westphalia, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,481 $11,240 $37,209 $11,790
Farmers $4,697 $5,950 $5,889 $5,756
GEICO $1,936 $4,003 $12,016 $3,522
Liberty Mutual $11,447 $13,871 $25,819 $14,701
Nationwide $3,269 $4,294 $3,929 $3,658
Progressive $3,951 $5,138 $4,635 $4,815
State Farm $5,992 $7,151 $15,262 $8,889
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,706 $3,364 $4,409 $2,948

Cheap Westphalia, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Westphalia, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $37,209
Farmers $5,889
GEICO $12,016
Liberty Mutual $25,819
Nationwide $3,929
Progressive $4,635
State Farm $15,262
Travelers $10,331
USAA $4,409

Cheap Westphalia, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Westphalia, Michigan

Insurance Company Poor Fair Good
Allstate $25,901 $14,407 $11,232
Farmers $7,475 $4,815 $4,428
GEICO $6,900 $5,076 $4,132
Liberty Mutual $26,017 $15,039 $8,322
Nationwide $4,707 $3,581 $3,074
Progressive $5,342 $4,496 $4,067
State Farm $15,092 $7,660 $5,218
Travelers $6,813 $6,608 $6,525
USAA $5,016 $2,864 $2,189

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Cheap Westphalia, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Westphalia, Michigan

ZIP Code Average Annual Rates
48894 $5,691

Cheap Westphalia, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Westphalia, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $17,180 $17,180
Farmers $5,573 $5,573
GEICO $5,244 $5,494
Liberty Mutual $15,895 $17,024
Nationwide $3,787 $3,787
Progressive $4,635 $4,635
State Farm $9,078 $9,568
Travelers $6,611 $6,686
USAA $3,318 $3,395

Cheap Westphalia, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Westphalia, Michigan

Insurance Company Low Medium High
Allstate $16,753 $17,218 $17,569
Farmers $5,473 $5,565 $5,681
GEICO $5,043 $5,325 $5,739
Liberty Mutual $16,093 $16,425 $16,860
Nationwide $3,941 $3,729 $3,692
Progressive $4,504 $4,641 $4,761
State Farm $8,891 $9,376 $9,703
Travelers $6,575 $6,656 $6,715
USAA $3,262 $3,364 $3,444

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Best By Category: Cheapest Auto Insurance in Westphalia, Michigan

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

Best Annual Auto Insurance Rates by Company in Westphalia, Michigan

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

The Cheapest Westphalia, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Westphalia, Michigan

Insurance Company Average Annual Rates
Allstate $17,180
Farmers $5,573
GEICO $5,369
Liberty Mutual $16,459
Nationwide $3,787
Progressive $4,635
State Farm $9,323
Travelers $6,649
USAA $3,356

What affects auto insurance rates in Westphalia, Michigan?

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

Westphalia Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Westphalia, Michigan commute length is 26.1 minutes according to City-Data.

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Compare Westphalia, Michigan Auto Insurance Quotes

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