Compare Battle Creek, MI Car Insurance Rates (2021)

Car insurance in Battle Creek, MI averages $760 a month. Battle Creek, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Battle Creek car insurance rates, compare quotes from the top car insurance companies in Battle Creek, 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 Battle Creek, MI are $9,121/year
  • Average car insurance rates in Battle Creek, MI after a DUI are $15,326/year
  • The cheapest car insurance company in Battle Creek is USAA

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

You’ll find Battle Creek car insurance rates, the cheapest Battle Creek, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Battle Creek, Michigan car insurance rates to Sterling Heights car insurance rates, Flint car insurance rates, and Detroit car insurance rates.

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

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

How do age, gender, and marital status affect Battle Creek, MI car insurance rates? Every Battle Creek, 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 Battle Creek, 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 $14,256 $14,256 $13,188 $13,188 $36,026 $36,026 $15,033 $15,033
Farmers $4,243 $4,243 $3,961 $3,961 $9,386 $9,386 $4,775 $4,775
GEICO $5,272 $5,272 $5,344 $5,344 $14,807 $14,807 $5,046 $5,046
Liberty Mutual $13,407 $13,407 $13,275 $13,275 $31,386 $31,386 $13,407 $13,407
Nationwide $3,263 $3,263 $2,912 $2,912 $8,456 $8,456 $3,568 $3,568
Progressive $2,828 $2,637 $2,503 $2,779 $10,415 $11,144 $3,290 $3,066
State Farm $6,430 $6,430 $5,960 $5,960 $22,649 $22,649 $7,561 $7,561
Travelers $5,474 $5,474 $4,697 $4,697 $16,530 $16,530 $5,948 $5,948
USAA $2,334 $2,215 $2,197 $2,077 $5,702 $5,431 $2,841 $2,731

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Minimum Car Insurance in Battle Creek, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Battle Creek, Michigan

Insurance Company Poor Fair Good
Allstate $29,692 $16,472 $12,712
Farmers $7,402 $4,876 $4,496
GEICO $9,813 $7,196 $5,843
Liberty Mutual $28,255 $16,325 $9,025
Nationwide $5,654 $4,306 $3,689
Progressive $5,561 $4,695 $4,243
State Farm $17,262 $8,743 $5,944
Travelers $8,365 $8,112 $8,010
USAA $4,754 $2,729 $2,090

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

Annual Battle Creek, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,635 $12,824 $42,616 $13,426
Farmers $4,696 $5,983 $5,909 $5,777
GEICO $2,666 $5,650 $17,199 $4,954
Liberty Mutual $12,364 $15,034 $28,154 $15,923
Nationwide $3,920 $5,166 $4,721 $4,393
Progressive $4,111 $5,376 $4,831 $5,013
State Farm $6,734 $8,096 $17,630 $10,139
Travelers $5,532 $7,889 $12,690 $6,538
USAA $2,573 $3,203 $4,186 $2,802

Cheapest Battle Creek, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Battle Creek, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,026 $36,026
Farmers $9,386 $9,386
GEICO $14,807 $14,807
Liberty Mutual $31,386 $31,386
Nationwide $8,456 $8,456
Progressive $10,415 $11,144
State Farm $22,649 $22,649
Travelers $16,530 $16,530
USAA $5,702 $5,431

Cheapest Battle Creek, MI Car Insurance for Seniors

Take a look at Battle Creek, 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 Battle Creek, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,188 $13,188
Farmers $3,961 $3,961
GEICO $5,344 $5,344
Liberty Mutual $13,275 $13,275
Nationwide $2,912 $2,912
Progressive $2,503 $2,779
State Farm $5,960 $5,960
Travelers $4,697 $4,697
USAA $2,197 $2,077

Cheapest Battle Creek, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Battle Creek, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $42,616
Farmers $5,909
GEICO $17,199
Liberty Mutual $28,154
Nationwide $4,721
Progressive $4,831
State Farm $17,630
Travelers $12,690
USAA $4,186

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Cheapest Battle Creek, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Battle Creek, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,625 $19,625
Farmers $5,591 $5,591
GEICO $7,440 $7,794
Liberty Mutual $17,258 $18,480
Nationwide $4,550 $4,550
Progressive $4,833 $4,833
State Farm $10,372 $10,927
Travelers $8,115 $8,209
USAA $3,155 $3,227

Cheapest Battle Creek, MI Car Insurance Rates by ZIP Code

Battle Creek car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Battle Creek, MI.

Annual Car Insurance Rates by ZIP Code in Battle Creek, Michigan

ZIP Code Average Annual Rates
49014 $6,324
49015 $6,084
49017 $6,455
49037 $7,085

The Best Cheap Car Insurance Companies in Battle Creek, MI

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

Average Annual Car Insurance Rates by Company in Battle Creek, Michigan

Insurance Company Average Annual Rates
Allstate $19,625
Farmers $5,591
GEICO $7,617
Liberty Mutual $17,869
Nationwide $4,550
Progressive $4,833
State Farm $10,650
Travelers $8,162
USAA $3,191

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Category Winners: Cheapest Car Insurance in Battle Creek, Michigan

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

Best Annual Car Insurance Rates by Company in Battle Creek, Michigan

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

Cheapest Battle Creek, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Battle Creek, Michigan

Insurance Company Low Medium High
Allstate $19,151 $19,668 $20,058
Farmers $5,473 $5,581 $5,720
GEICO $7,234 $7,566 $8,051
Liberty Mutual $17,488 $17,832 $18,286
Nationwide $4,740 $4,478 $4,432
Progressive $4,698 $4,838 $4,963
State Farm $10,160 $10,710 $11,080
Travelers $8,078 $8,170 $8,239
USAA $3,096 $3,198 $3,279

What affects car insurance rates in Battle Creek, Michigan?

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

Car Theft in Battle Creek

High levels of vehicle theft can make car insurance more expensive. Battle Creek, MI car theft statistics from the FBI indicate 77 vehicle thefts a year.

Commute Time in Battle Creek

The more time you spend in your car the higher the risk of an accident. The average commute length in Battle Creek, MI is 18.6 minutes according to City-Data.

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Compare Car Insurance Quotes in Battle Creek, MI

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

Free Car Insurance Comparison

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

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