Compare Berrien Springs, MI Car Insurance Rates (2021)

Car insurance in Berrien Springs, MI averages $729 a month. Berrien Springs, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Berrien Springs car insurance rates, compare quotes from the top car insurance companies in Berrien Springs, 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 Berrien Springs, MI are $8,745/year
  • Average car insurance rates in Berrien Springs, MI after a DUI are $14,638/year
  • The cheapest car insurance company in Berrien Springs for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Berrien Springs, MI car insurance rates? Every Berrien Springs, 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 Berrien Springs, 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 $14,600 $14,600 $13,590 $13,590 $36,020 $36,020 $15,375 $15,375
Farmers $3,674 $3,674 $3,431 $3,431 $8,234 $8,234 $4,130 $4,130
GEICO $3,525 $3,525 $3,621 $3,621 $10,095 $10,095 $3,370 $3,370
Liberty Mutual $12,179 $12,179 $12,062 $12,062 $28,240 $28,240 $12,179 $12,179
Nationwide $3,627 $3,627 $3,244 $3,244 $9,368 $9,368 $3,968 $3,968
Progressive $3,098 $2,870 $2,740 $3,063 $11,434 $12,172 $3,604 $3,317
State Farm $7,291 $7,291 $6,794 $6,794 $25,939 $25,939 $8,570 $8,570
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,565 $2,424 $2,416 $2,279 $6,230 $5,899 $3,117 $2,981

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Minimum Car Insurance in Berrien Springs, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Berrien Springs, Michigan

Insurance Company Poor Fair Good
Allstate $30,165 $16,740 $12,783
Farmers $6,415 $4,257 $3,930
GEICO $6,619 $4,871 $3,967
Liberty Mutual $25,550 $14,772 $8,173
Nationwide $6,307 $4,775 $4,073
Progressive $6,097 $5,137 $4,627
State Farm $19,715 $9,967 $6,764
Travelers $6,813 $6,608 $6,525
USAA $5,208 $2,984 $2,274

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

Annual Berrien Springs, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,604 $12,880 $43,593 $13,507
Farmers $4,094 $5,210 $5,145 $5,020
GEICO $1,795 $3,844 $11,633 $3,338
Liberty Mutual $11,060 $13,540 $25,747 $14,313
Nationwide $4,333 $5,766 $5,239 $4,868
Progressive $4,477 $5,894 $5,296 $5,483
State Farm $7,647 $9,212 $20,174 $11,561
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,808 $3,502 $4,588 $3,058

Cheapest Berrien Springs, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Berrien Springs, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,020 $36,020
Farmers $8,234 $8,234
GEICO $10,095 $10,095
Liberty Mutual $28,240 $28,240
Nationwide $9,368 $9,368
Progressive $11,434 $12,172
State Farm $25,939 $25,939
Travelers $13,395 $13,395
USAA $6,230 $5,899

Cheapest Berrien Springs, MI Car Insurance for Seniors

Take a look at Berrien Springs, 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 Berrien Springs, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,590 $13,590
Farmers $3,431 $3,431
GEICO $3,621 $3,621
Liberty Mutual $12,062 $12,062
Nationwide $3,244 $3,244
Progressive $2,740 $3,063
State Farm $6,794 $6,794
Travelers $3,858 $3,858
USAA $2,416 $2,279

Cheapest Berrien Springs, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Berrien Springs, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $43,593
Farmers $5,145
GEICO $11,633
Liberty Mutual $25,747
Nationwide $5,239
Progressive $5,296
State Farm $20,174
Travelers $10,331
USAA $4,588

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Cheapest Berrien Springs, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Berrien Springs, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,896 $19,896
Farmers $4,867 $4,867
GEICO $5,037 $5,268
Liberty Mutual $15,619 $16,711
Nationwide $5,052 $5,052
Progressive $5,287 $5,287
State Farm $11,817 $12,480
Travelers $6,611 $6,686
USAA $3,449 $3,529

Cheapest Berrien Springs, MI Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Berrien Springs, Michigan

ZIP Code Average Annual Rates
49103 $6,124
49104 $6,171

The Best Cheap Car Insurance Companies in Berrien Springs, MI

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

Average Annual Car Insurance Rates by Company in Berrien Springs, Michigan

Insurance Company Average Annual Rates
Allstate $19,896
Farmers $4,867
GEICO $5,153
Liberty Mutual $16,165
Nationwide $5,052
Progressive $5,287
State Farm $12,149
Travelers $6,649
USAA $3,489

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Category Winners: Cheapest Car Insurance in Berrien Springs, Michigan

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

Best Annual Car Insurance Rates by Company in Berrien Springs, Michigan

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

Cheapest Berrien Springs, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Berrien Springs, Michigan

Insurance Company Low Medium High
Allstate $19,285 $19,950 $20,453
Farmers $4,746 $4,857 $5,000
GEICO $4,771 $5,102 $5,584
Liberty Mutual $15,685 $16,118 $16,693
Nationwide $5,210 $4,987 $4,957
Progressive $5,112 $5,295 $5,454
State Farm $11,511 $12,227 $12,707
Travelers $6,575 $6,656 $6,715
USAA $3,369 $3,500 $3,599

What affects car insurance rates in Berrien Springs, Michigan?

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

Commute Time in Berrien Springs

The more time you spend in your car the higher the risk of an accident. The average commute length in Berrien Springs, MI is 24.2 minutes according to City-Data.

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Compare Car Insurance Quotes in Berrien Springs, MI

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