Compare Berkley, MI Car Insurance Rates (2021)

Car insurance in Berkley, MI averages $928 a month. Berkley, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Berkley car insurance rates, compare quotes from the top car insurance companies in Berkley, 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 car insurance company in Berkley for teen drivers is USAA
  • Average car insurance rates in Berkley, MI after a DUI are $18,044/year
  • Average car insurance rates in Berkley, MI are $11,137/year

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

You’ll find Berkley car insurance rates, the cheapest Berkley, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Berkley, Michigan car insurance rates to Lansing car insurance rates, Troy car insurance rates, and Flint car insurance rates.

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

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

How do age, gender, and marital status affect Berkley, MI car insurance rates? Every Berkley, 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 Berkley, 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 $13,263 $13,263 $12,140 $12,140 $36,269 $36,269 $14,038 $14,038
Farmers $9,027 $9,027 $8,341 $8,341 $20,553 $20,553 $10,228 $10,228
GEICO $5,870 $5,870 $6,013 $6,013 $15,998 $15,998 $5,585 $5,585
Liberty Mutual $15,429 $15,429 $15,277 $15,277 $36,112 $36,112 $15,429 $15,429
Nationwide $4,932 $4,932 $4,388 $4,388 $13,073 $13,073 $5,414 $5,414
Progressive $2,980 $2,751 $2,641 $2,956 $10,956 $11,631 $3,456 $3,159
State Farm $7,825 $7,825 $7,311 $7,311 $28,034 $28,034 $9,201 $9,201
Travelers $7,464 $7,464 $6,400 $6,400 $22,645 $22,645 $8,116 $8,116
USAA $2,943 $2,784 $2,769 $2,610 $7,375 $7,012 $3,607 $3,457

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Minimum Car Insurance in Berkley, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Berkley, Michigan

Insurance Company Poor Fair Good
Allstate $28,219 $15,873 $12,691
Farmers $17,755 $9,517 $8,839
GEICO $10,784 $7,903 $6,413
Liberty Mutual $32,534 $18,785 $10,367
Nationwide $8,742 $6,558 $5,555
Progressive $5,844 $4,925 $4,431
State Farm $21,248 $10,742 $7,289
Travelers $11,437 $11,087 $10,945
USAA $6,105 $3,469 $2,635

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

Annual Berkley, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,205 $12,167 $41,397 $12,941
Farmers $10,023 $12,974 $12,739 $12,413
GEICO $2,887 $6,208 $18,974 $5,397
Liberty Mutual $14,180 $17,281 $32,486 $18,299
Nationwide $5,928 $7,974 $7,216 $6,688
Progressive $4,288 $5,648 $5,079 $5,250
State Farm $8,201 $9,902 $21,813 $12,455
Travelers $7,561 $10,789 $17,326 $8,948
USAA $3,262 $4,087 $5,369 $3,559

Cheapest Berkley, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Berkley, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,269 $36,269
Farmers $20,553 $20,553
GEICO $15,998 $15,998
Liberty Mutual $36,112 $36,112
Nationwide $13,073 $13,073
Progressive $10,956 $11,631
State Farm $28,034 $28,034
Travelers $22,645 $22,645
USAA $7,375 $7,012

Cheapest Berkley, MI Car Insurance for Seniors

Take a look at Berkley, 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 Berkley, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $12,140 $12,140
Farmers $8,341 $8,341
GEICO $6,013 $6,013
Liberty Mutual $15,277 $15,277
Nationwide $4,388 $4,388
Progressive $2,641 $2,956
State Farm $7,311 $7,311
Travelers $6,400 $6,400
USAA $2,769 $2,610

Cheapest Berkley, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Berkley, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $41,397
Farmers $12,739
GEICO $18,974
Liberty Mutual $32,486
Nationwide $7,216
Progressive $5,079
State Farm $21,813
Travelers $17,326
USAA $5,369

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Cheapest Berkley, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Berkley, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $18,928 $18,928
Farmers $12,037 $12,037
GEICO $8,176 $8,557
Liberty Mutual $19,859 $21,265
Nationwide $6,952 $6,952
Progressive $5,066 $5,066
State Farm $12,732 $13,454
Travelers $11,092 $11,221
USAA $4,023 $4,116

The Best Cheap Car Insurance Companies in Berkley, MI

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

Average Annual Car Insurance Rates by Company in Berkley, Michigan

Insurance Company Average Annual Rates
Allstate $18,928
Farmers $12,037
GEICO $8,367
Liberty Mutual $20,562
Nationwide $6,952
Progressive $5,066
State Farm $13,093
Travelers $11,156
USAA $4,069

Category Winners: Cheapest Car Insurance in Berkley, Michigan

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

Best Annual Car Insurance Rates by Company in Berkley, 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 Berkley, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Berkley, Michigan

Insurance Company Low Medium High
Allstate $18,270 $18,986 $19,527
Farmers $11,633 $11,998 $12,480
GEICO $7,799 $8,283 $9,017
Liberty Mutual $20,104 $20,517 $21,064
Nationwide $7,258 $6,840 $6,758
Progressive $4,877 $5,074 $5,248
State Farm $12,379 $13,181 $13,719
Travelers $11,055 $11,166 $11,247
USAA $3,930 $4,082 $4,197

What affects car insurance rates in Berkley, Michigan?

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

Car Theft in Berkley

High levels of vehicle theft can make car insurance more expensive. Berkley, MI car theft statistics from the FBI indicate 4 vehicle thefts a year.

Commute Time in Berkley

The more time you spend in your car the higher the risk of an accident. The average commute length in Berkley, MI is 23.8 minutes according to City-Data.

Compare Car Insurance Quotes in Berkley, MI

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