Compare Alma, MI Car Insurance Rates (2021)

Car insurance in Alma, MI averages $723 a month. Alma, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Alma car insurance rates, compare quotes from the top car insurance companies in Alma, MI.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Alma, MI are $8,675/year
  • The cheapest car insurance company in Alma for teen drivers is USAA
  • The cheapest car insurance company in Alma is USAA

If you need to buy Alma, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Alma, MI is right here.

You’ll find Alma car insurance rates, the cheapest Alma, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Alma, Michigan car insurance rates to Sterling Heights car insurance rates, Warren car insurance rates, and Dearborn car insurance rates.

Ready to find affordable Alma, MI car insurance today? Enter your ZIP code for fast, free Alma car insurance quotes.

Cheapest Alma, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Alma, MI car insurance rates? Every Alma, Michigan car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Alma, 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 $12,750 $12,750 $11,776 $11,776 $32,526 $32,526 $13,452 $13,452
Farmers $3,709 $3,709 $3,456 $3,456 $8,254 $8,254 $4,164 $4,164
GEICO $3,689 $3,689 $3,754 $3,754 $10,303 $10,303 $3,528 $3,528
Liberty Mutual $14,956 $14,956 $14,804 $14,804 $35,785 $35,785 $14,956 $14,956
Nationwide $3,909 $3,909 $3,489 $3,489 $9,932 $9,932 $4,266 $4,266
Progressive $2,682 $2,514 $2,368 $2,631 $9,414 $10,028 $3,117 $2,909
State Farm $6,175 $6,175 $5,712 $5,712 $21,343 $21,343 $7,238 $7,238
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,589 $2,444 $2,436 $2,298 $6,179 $5,836 $3,137 $2,997

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Minimum Car Insurance in Alma, MI

Every driver must carry the minimum car insurance in Alma, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage in Alma, 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

Cheapest Alma, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Alma, MI. Compare credit history car insurance rates in Alma from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Alma, Michigan

Insurance Company Poor Fair Good
Allstate $26,626 $14,787 $11,465
Farmers $6,403 $4,301 $3,983
GEICO $6,834 $5,028 $4,094
Liberty Mutual $31,844 $18,386 $10,145
Nationwide $6,773 $5,091 $4,333
Progressive $5,150 $4,325 $3,899
State Farm $16,391 $8,309 $5,652
Travelers $6,813 $6,608 $6,525
USAA $5,219 $2,984 $2,266

Cheapest Alma, MI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Alma, MI to rates for a clean record with top companies.

Annual Alma, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,682 $11,526 $38,214 $12,081
Farmers $4,122 $5,239 $5,166 $5,056
GEICO $1,887 $3,964 $11,955 $3,469
Liberty Mutual $14,339 $17,098 $30,874 $18,190
Nationwide $4,623 $6,158 $5,610 $5,205
Progressive $3,795 $4,944 $4,462 $4,631
State Farm $6,494 $7,755 $16,575 $9,645
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,811 $3,502 $4,583 $3,062

Cheapest Alma, MI Car Insurance for Teen Drivers

Teen car insurance in Alma, MI can be expensive. Take a look at rates from the top car insurance companies in Alma for teenagers.

Annual Car Insurance Rates for Teen Drivers in Alma, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $32,526 $32,526
Farmers $8,254 $8,254
GEICO $10,303 $10,303
Liberty Mutual $35,785 $35,785
Nationwide $9,932 $9,932
Progressive $9,414 $10,028
State Farm $21,343 $21,343
Travelers $13,395 $13,395
USAA $6,179 $5,836

Cheapest Alma, MI Car Insurance for Seniors

Take a look at Alma, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Alma, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $11,776 $11,776
Farmers $3,456 $3,456
GEICO $3,754 $3,754
Liberty Mutual $14,804 $14,804
Nationwide $3,489 $3,489
Progressive $2,368 $2,631
State Farm $5,712 $5,712
Travelers $3,858 $3,858
USAA $2,436 $2,298

Cheapest Alma, MI Car Insurance Rates After a DUI

A DUI in Alma, MI increases car insurance rates. Compare Alma, Michigan DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Alma, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $38,214
Farmers $5,166
GEICO $11,955
Liberty Mutual $30,874
Nationwide $5,610
Progressive $4,462
State Farm $16,575
Travelers $10,331
USAA $4,583

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Cheapest Alma, MI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Alma, MI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Alma, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $17,626 $17,626
Farmers $4,896 $4,896
GEICO $5,197 $5,440
Liberty Mutual $19,417 $20,833
Nationwide $5,399 $5,399
Progressive $4,458 $4,458
State Farm $9,847 $10,388
Travelers $6,611 $6,686
USAA $3,449 $3,530

The Best Cheap Car Insurance Companies in Alma, MI

Take a look at a side-by-side comparison of the top car insurance companies in Alma, MI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Alma, Michigan

Insurance Company Average Annual Rates
Allstate $17,626
Farmers $4,896
GEICO $5,319
Liberty Mutual $20,125
Nationwide $5,399
Progressive $4,458
State Farm $10,117
Travelers $6,649
USAA $3,489

Category Winners: Cheapest Car Insurance in Alma, Michigan

Find the cheapest car insurance companies in Alma, MI for each category right here.

Best Annual Car Insurance Rates by Company in Alma, Michigan

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

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Cheapest Alma, MI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Alma car insurance rates. Find the cheapest Alma, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Alma, Michigan

Insurance Company Low Medium High
Allstate $17,196 $17,664 $18,017
Farmers $4,785 $4,887 $5,015
GEICO $4,992 $5,275 $5,689
Liberty Mutual $19,708 $20,084 $20,583
Nationwide $5,652 $5,308 $5,237
Progressive $4,337 $4,463 $4,574
State Farm $9,626 $10,178 $10,548
Travelers $6,575 $6,656 $6,715
USAA $3,389 $3,497 $3,582

What affects car insurance rates in Alma, Michigan?

What factors can have an impact on Alma, MI car insurance? There are several reasons why Alma car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Alma, Michigan.

Car Theft in Alma

High levels of vehicle theft can make car insurance more expensive. Alma, MI car theft statistics from the FBI indicate 3 vehicle thefts a year.

Commute Time in Alma

The more time you spend in your car the higher the risk of an accident. The average commute length in Alma, MI is 17.9 minutes according to City-Data.

Traffic in Alma

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Alma, MI traffic data from INRIX ranks Alma as the 680th-most congested in the world.

Compare Car Insurance Quotes in Alma, MI

Ready to find affordable Alma, Michigan car insurance today? Enter your ZIP code for fast, free Alma, MI car insurance quotes.

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