Compare Alpena, MI Car Insurance Rates (2021)

Car insurance in Alpena, MI averages $740 a month. Alpena, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Alpena car insurance rates, compare quotes from the top car insurance companies in Alpena, 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 Alpena, MI after a DUI are $14,579/year
  • The cheapest car insurance company in Alpena for teen drivers is USAA
  • Average car insurance rates in Alpena, MI are $8,878/year

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

You’ll find Alpena car insurance rates, the cheapest Alpena, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Alpena, Michigan car insurance rates to Detroit car insurance rates, Livonia car insurance rates, and Dearborn car insurance rates.

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

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

How do age, gender, and marital status affect Alpena, MI car insurance rates? Every Alpena, 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 Alpena, 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 $14,130 $14,130 $13,112 $13,112 $35,096 $35,096 $14,887 $14,887
Farmers $3,843 $3,843 $3,602 $3,602 $8,290 $8,290 $4,308 $4,308
GEICO $3,730 $3,730 $3,774 $3,774 $10,315 $10,315 $3,568 $3,568
Liberty Mutual $12,193 $12,193 $12,069 $12,069 $29,083 $29,083 $12,193 $12,193
Nationwide $4,763 $4,763 $4,231 $4,231 $12,415 $12,415 $5,214 $5,214
Progressive $2,701 $2,530 $2,389 $2,648 $9,708 $10,381 $3,142 $2,940
State Farm $6,827 $6,827 $6,309 $6,309 $23,558 $23,558 $8,002 $8,002
Travelers $5,584 $5,584 $4,792 $4,792 $16,861 $16,861 $6,069 $6,069
USAA $2,315 $2,209 $2,178 $2,072 $5,527 $5,282 $2,821 $2,728

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Minimum Car Insurance in Alpena, MI

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

Minimum Required Car Insurance Coverage in Alpena, 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 Alpena, MI Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Alpena, Michigan

Insurance Company Poor Fair Good
Allstate $29,310 $16,214 $12,394
Farmers $6,678 $4,349 $4,005
GEICO $6,870 $5,055 $4,115
Liberty Mutual $25,898 $14,972 $8,283
Nationwide $8,377 $6,271 $5,320
Progressive $5,247 $4,422 $3,995
State Farm $18,120 $9,172 $6,231
Travelers $8,534 $8,275 $8,170
USAA $4,680 $2,685 $2,060

Cheapest Alpena, 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 Alpena, MI to rates for a clean record with top companies.

Annual Alpena, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,444 $12,597 $42,001 $13,182
Farmers $4,219 $5,357 $5,299 $5,167
GEICO $1,922 $3,987 $11,973 $3,505
Liberty Mutual $11,669 $13,920 $25,146 $14,803
Nationwide $5,683 $7,605 $6,921 $6,413
Progressive $3,879 $5,056 $4,557 $4,727
State Farm $7,189 $8,575 $18,278 $10,654
Travelers $5,658 $8,053 $12,908 $6,686
USAA $2,536 $3,144 $4,126 $2,760

Cheapest Alpena, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Alpena, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $35,096 $35,096
Farmers $8,290 $8,290
GEICO $10,315 $10,315
Liberty Mutual $29,083 $29,083
Nationwide $12,415 $12,415
Progressive $9,708 $10,381
State Farm $23,558 $23,558
Travelers $16,861 $16,861
USAA $5,527 $5,282

Cheapest Alpena, MI Car Insurance for Seniors

Take a look at Alpena, 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 Alpena, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,112 $13,112
Farmers $3,602 $3,602
GEICO $3,774 $3,774
Liberty Mutual $12,069 $12,069
Nationwide $4,231 $4,231
Progressive $2,389 $2,648
State Farm $6,309 $6,309
Travelers $4,792 $4,792
USAA $2,178 $2,072

Cheapest Alpena, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Alpena, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $42,001
Farmers $5,299
GEICO $11,973
Liberty Mutual $25,146
Nationwide $6,921
Progressive $4,557
State Farm $18,278
Travelers $12,908
USAA $4,126

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Cheapest Alpena, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Alpena, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,306 $19,306
Farmers $5,011 $5,011
GEICO $5,223 $5,471
Liberty Mutual $15,810 $16,959
Nationwide $6,656 $6,656
Progressive $4,555 $4,555
State Farm $10,873 $11,475
Travelers $8,279 $8,375
USAA $3,106 $3,177

The Best Cheap Car Insurance Companies in Alpena, MI

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

Average Annual Car Insurance Rates by Company in Alpena, Michigan

Insurance Company Average Annual Rates
Allstate $19,306
Farmers $5,011
GEICO $5,347
Liberty Mutual $16,384
Nationwide $6,656
Progressive $4,555
State Farm $11,174
Travelers $8,327
USAA $3,142

Category Winners: Cheapest Car Insurance in Alpena, Michigan

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

Best Annual Car Insurance Rates by Company in Alpena, Michigan

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

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Cheapest Alpena, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Alpena, Michigan

Insurance Company Low Medium High
Allstate $18,877 $19,344 $19,697
Farmers $4,881 $5,000 $5,151
GEICO $4,997 $5,299 $5,744
Liberty Mutual $15,988 $16,346 $16,819
Nationwide $6,997 $6,535 $6,435
Progressive $4,421 $4,561 $4,683
State Farm $10,625 $11,242 $11,655
Travelers $8,241 $8,334 $8,405
USAA $3,036 $3,150 $3,238

What affects car insurance rates in Alpena, Michigan?

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

Car Theft in Alpena

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

Commute Time in Alpena

The more time you spend in your car the higher the risk of an accident. The average commute length in Alpena, MI is 10.5 minutes according to City-Data.

Compare Car Insurance Quotes in Alpena, MI

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

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

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