Compare Bay City, MI Car Insurance Rates (2021)

Car insurance in Bay City, MI averages $781 a month. Bay City, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Bay City car insurance rates, compare quotes from the top car insurance companies in Bay City, 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

  • The cheapest ZIP code in Bay City is 48706
  • Average car insurance rates in Bay City, MI are $9,369/year
  • The cheapest car insurance company in Bay City for teen drivers is USAA

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

You’ll find Bay City car insurance rates, the cheapest Bay City, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Bay City, Michigan car insurance rates to Ann Arbor car insurance rates, Troy car insurance rates, and Warren car insurance rates.

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

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

How do age, gender, and marital status affect Bay City, MI car insurance rates? Every Bay City, 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 Bay City, 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 $15,300 $15,300 $14,206 $14,206 $38,037 $38,037 $16,120 $16,120
Farmers $3,714 $3,714 $3,474 $3,474 $8,245 $8,245 $4,170 $4,170
GEICO $3,359 $3,359 $3,445 $3,445 $9,593 $9,593 $3,214 $3,214
Liberty Mutual $12,593 $12,593 $12,470 $12,470 $29,342 $29,342 $12,593 $12,593
Nationwide $4,188 $4,188 $3,735 $3,735 $10,978 $10,978 $4,589 $4,589
Progressive $2,513 $2,334 $2,238 $2,484 $9,253 $9,874 $2,909 $2,691
State Farm $6,432 $6,432 $5,994 $5,994 $22,860 $22,860 $7,559 $7,559
Travelers $8,210 $8,210 $7,034 $7,034 $24,976 $24,976 $8,927 $8,927
USAA $2,692 $2,539 $2,535 $2,383 $6,678 $6,324 $3,279 $3,130

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Minimum Car Insurance in Bay City, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Bay City, Michigan

Insurance Company Poor Fair Good
Allstate $31,745 $17,570 $13,432
Farmers $6,473 $4,280 $3,950
GEICO $6,295 $4,636 $3,777
Liberty Mutual $26,478 $15,304 $8,466
Nationwide $7,362 $5,546 $4,711
Progressive $4,921 $4,169 $3,771
State Farm $17,363 $8,794 $5,978
Travelers $12,592 $12,211 $12,057
USAA $5,529 $3,156 $2,399

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

Annual Bay City, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,182 $13,602 $45,625 $14,253
Farmers $4,122 $5,246 $5,181 $5,054
GEICO $1,718 $3,657 $11,052 $3,183
Liberty Mutual $11,528 $14,062 $26,530 $14,879
Nationwide $5,022 $6,722 $6,092 $5,654
Progressive $3,652 $4,769 $4,289 $4,439
State Farm $6,737 $8,120 $17,795 $10,193
Travelers $8,271 $11,864 $19,218 $9,794
USAA $2,969 $3,715 $4,860 $3,236

Cheapest Bay City, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Bay City, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $38,037 $38,037
Farmers $8,245 $8,245
GEICO $9,593 $9,593
Liberty Mutual $29,342 $29,342
Nationwide $10,978 $10,978
Progressive $9,253 $9,874
State Farm $22,860 $22,860
Travelers $24,976 $24,976
USAA $6,678 $6,324

Cheapest Bay City, MI Car Insurance for Seniors

Take a look at Bay City, 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 Bay City, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $14,206 $14,206
Farmers $3,474 $3,474
GEICO $3,445 $3,445
Liberty Mutual $12,470 $12,470
Nationwide $3,735 $3,735
Progressive $2,238 $2,484
State Farm $5,994 $5,994
Travelers $7,034 $7,034
USAA $2,535 $2,383

Cheapest Bay City, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Bay City, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $45,625
Farmers $5,181
GEICO $11,052
Liberty Mutual $26,530
Nationwide $6,092
Progressive $4,289
State Farm $17,795
Travelers $19,218
USAA $4,860

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Cheapest Bay City, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Bay City, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $20,916 $20,916
Farmers $4,901 $4,901
GEICO $4,794 $5,012
Liberty Mutual $16,180 $17,319
Nationwide $5,873 $5,873
Progressive $4,287 $4,287
State Farm $10,422 $11,000
Travelers $12,216 $12,358
USAA $3,653 $3,737

Cheapest Bay City, MI Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Bay City, Michigan

ZIP Code Average Annual Rates
48706 $6,604
48708 $6,952

The Best Cheap Car Insurance Companies in Bay City, MI

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

Average Annual Car Insurance Rates by Company in Bay City, Michigan

Insurance Company Average Annual Rates
Allstate $20,916
Farmers $4,901
GEICO $4,903
Liberty Mutual $16,750
Nationwide $5,873
Progressive $4,287
State Farm $10,711
Travelers $12,287
USAA $3,695

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Category Winners: Cheapest Car Insurance in Bay City, Michigan

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

Best Annual Car Insurance Rates by Company in Bay City, Michigan

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

Cheapest Bay City, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Bay City, Michigan

Insurance Company Low Medium High
Allstate $20,392 $20,962 $21,393
Farmers $4,776 $4,891 $5,036
GEICO $4,580 $4,859 $5,268
Liberty Mutual $16,363 $16,712 $17,174
Nationwide $6,153 $5,772 $5,693
Progressive $4,150 $4,293 $4,419
State Farm $10,161 $10,779 $11,194
Travelers $12,158 $12,300 $12,402
USAA $3,584 $3,704 $3,797

What affects car insurance rates in Bay City, Michigan?

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

Car Theft in Bay City

High levels of vehicle theft can make car insurance more expensive. Bay City, MI car theft statistics from the FBI indicate 46 vehicle thefts a year.

Commute Time in Bay City

The more time you spend in your car the higher the risk of an accident. The average commute length in Bay City, MI is 20.1 minutes according to City-Data.

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Compare Car Insurance Quotes in Bay City, MI

Ready to find affordable Bay City, Michigan car insurance today? Enter your ZIP code for fast, free Bay City, 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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