Best Cheap Auto Insurance in White Cloud, MI (2021)

The average White Cloud, MI auto insurance rates are $792 per month. The minimum auto insurance in White Cloud is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in White Cloud, Michigan, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

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.

Things to Remember

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

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

Compare auto insurance in White Cloud to other Michigan cities, including Lansing auto insurance rates, Troy auto insurance rates, and Flint auto insurance rates to see how White Cloud, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in White Cloud, Michigan

White Cloud, 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 White Cloud, Michigan.

Minimum Required Auto Insurance Coverage in White Cloud, 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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap White Cloud, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in White Cloud, 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 White Cloud, 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 $14,681 $14,681 $13,611 $13,611 $36,902 $36,902 $15,474 $15,474
Farmers $4,443 $4,443 $4,146 $4,146 $9,734 $9,734 $4,988 $4,988
GEICO $3,971 $3,971 $4,019 $4,019 $10,815 $10,815 $3,794 $3,794
Liberty Mutual $14,956 $14,956 $14,804 $14,804 $35,785 $35,785 $14,956 $14,956
Nationwide $5,025 $5,025 $4,440 $4,440 $13,754 $13,754 $5,535 $5,535
Progressive $3,115 $2,917 $2,745 $3,046 $11,389 $12,206 $3,640 $3,410
State Farm $6,739 $6,739 $6,214 $6,214 $23,212 $23,212 $7,904 $7,904
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,602 $2,477 $2,443 $2,317 $6,339 $6,054 $3,182 $3,071

Cheap White Cloud, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in White Cloud, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,902 $36,902
Farmers $9,734 $9,734
GEICO $10,815 $10,815
Liberty Mutual $35,785 $35,785
Nationwide $13,754 $13,754
Progressive $11,389 $12,206
State Farm $23,212 $23,212
Travelers $13,395 $13,395
USAA $6,339 $6,054

Cheap White Cloud, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in White Cloud, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,611 $13,611
Farmers $4,146 $4,146
GEICO $4,019 $4,019
Liberty Mutual $14,804 $14,804
Nationwide $4,440 $4,440
Progressive $2,745 $3,046
State Farm $6,214 $6,214
Travelers $3,858 $3,858
USAA $2,443 $2,317

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

Annual White Cloud, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,787 $13,067 $44,083 $13,732
Farmers $4,904 $6,235 $6,159 $6,014
GEICO $2,028 $4,210 $12,663 $3,699
Liberty Mutual $14,339 $17,098 $30,874 $18,190
Nationwide $6,149 $8,203 $7,471 $6,931
Progressive $4,507 $5,903 $5,311 $5,513
State Farm $7,090 $8,456 $18,018 $10,505
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,867 $3,569 $4,682 $3,125

Cheap White Cloud, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in White Cloud, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $44,083
Farmers $6,159
GEICO $12,663
Liberty Mutual $30,874
Nationwide $7,471
Progressive $5,311
State Farm $18,018
Travelers $10,331
USAA $4,682

Cheap White Cloud, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in White Cloud, Michigan

Insurance Company Poor Fair Good
Allstate $30,569 $16,939 $12,993
Farmers $7,725 $5,077 $4,682
GEICO $7,263 $5,341 $4,346
Liberty Mutual $31,844 $18,386 $10,145
Nationwide $9,004 $6,790 $5,771
Progressive $6,122 $5,152 $4,652
State Farm $17,863 $9,044 $6,145
Travelers $6,813 $6,608 $6,525
USAA $5,333 $3,035 $2,314

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap White Cloud, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in White Cloud, Michigan

ZIP Code Average Annual Rates
49349 $6,667

Cheap White Cloud, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in White Cloud, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $20,167 $20,167
Farmers $5,828 $5,828
GEICO $5,519 $5,781
Liberty Mutual $19,417 $20,833
Nationwide $7,189 $7,189
Progressive $5,309 $5,309
State Farm $10,727 $11,308
Travelers $6,611 $6,686
USAA $3,520 $3,601

Cheap White Cloud, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in White Cloud, Michigan

Insurance Company Low Medium High
Allstate $19,727 $20,206 $20,568
Farmers $5,685 $5,815 $5,984
GEICO $5,304 $5,602 $6,044
Liberty Mutual $19,708 $20,084 $20,583
Nationwide $7,537 $7,062 $6,967
Progressive $5,143 $5,316 $5,467
State Farm $10,510 $11,080 $11,463
Travelers $6,575 $6,656 $6,715
USAA $3,463 $3,568 $3,650

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in White Cloud, Michigan

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

Best Annual Auto Insurance Rates by Company in White Cloud, 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 White Cloud, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in White Cloud, Michigan

Insurance Company Average Annual Rates
Allstate $20,167
Farmers $5,828
GEICO $5,650
Liberty Mutual $20,125
Nationwide $7,189
Progressive $5,309
State Farm $11,017
Travelers $6,649
USAA $3,561

What affects auto insurance rates in White Cloud, Michigan?

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

White Cloud Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual White Cloud, Michigan auto theft statistics, there have been 3 auto thefts in the city.

White Cloud Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average White Cloud, Michigan commute length is 25.6 minutes according to City-Data.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare White Cloud, Michigan Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption