Compare Big Rapids, MI Car Insurance Rates (2021)

Car insurance in Big Rapids, MI averages $822 a month. Big Rapids, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Big Rapids car insurance rates, compare quotes from the top car insurance companies in Big Rapids, 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 Big Rapids, MI are $9,868/year
  • Average car insurance rates in Big Rapids, MI after a DUI are $16,278/year
  • The cheapest car insurance company in Big Rapids is USAA

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

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

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

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

How do age, gender, and marital status affect Big Rapids, MI car insurance rates? Every Big Rapids, 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 Big Rapids, 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 $16,758 $16,758 $15,566 $15,566 $41,506 $41,506 $17,653 $17,653
Farmers $4,395 $4,395 $4,103 $4,103 $9,526 $9,526 $4,935 $4,935
GEICO $3,882 $3,882 $3,946 $3,946 $10,816 $10,816 $3,712 $3,712
Liberty Mutual $14,956 $14,956 $14,804 $14,804 $35,785 $35,785 $14,956 $14,956
Nationwide $5,025 $5,025 $4,440 $4,440 $13,754 $13,754 $5,535 $5,535
Progressive $3,099 $2,904 $2,731 $3,029 $11,343 $12,164 $3,622 $3,397
State Farm $7,199 $7,199 $6,659 $6,659 $25,000 $25,000 $8,445 $8,445
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,639 $2,479 $2,485 $2,336 $6,254 $5,870 $3,183 $3,023

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Minimum Car Insurance in Big Rapids, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Big Rapids, Michigan

Insurance Company Poor Fair Good
Allstate $34,761 $19,207 $14,645
Farmers $7,626 $4,992 $4,602
GEICO $7,185 $5,283 $4,300
Liberty Mutual $31,844 $18,386 $10,145
Nationwide $9,004 $6,790 $5,771
Progressive $6,095 $5,130 $4,633
State Farm $19,186 $9,704 $6,588
Travelers $6,813 $6,608 $6,525
USAA $5,287 $3,025 $2,289

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

Annual Big Rapids, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,140 $14,886 $49,871 $15,586
Farmers $4,829 $6,138 $6,065 $5,927
GEICO $1,983 $4,163 $12,564 $3,646
Liberty Mutual $14,339 $17,098 $30,874 $18,190
Nationwide $6,149 $8,203 $7,471 $6,931
Progressive $4,490 $5,877 $5,286 $5,490
State Farm $7,574 $9,053 $19,404 $11,271
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,847 $3,550 $4,638 $3,100

Cheapest Big Rapids, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Big Rapids, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,506 $41,506
Farmers $9,526 $9,526
GEICO $10,816 $10,816
Liberty Mutual $35,785 $35,785
Nationwide $13,754 $13,754
Progressive $11,343 $12,164
State Farm $25,000 $25,000
Travelers $13,395 $13,395
USAA $6,254 $5,870

Cheapest Big Rapids, MI Car Insurance for Seniors

Take a look at Big Rapids, 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 Big Rapids, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,566 $15,566
Farmers $4,103 $4,103
GEICO $3,946 $3,946
Liberty Mutual $14,804 $14,804
Nationwide $4,440 $4,440
Progressive $2,731 $3,029
State Farm $6,659 $6,659
Travelers $3,858 $3,858
USAA $2,485 $2,336

Cheapest Big Rapids, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Big Rapids, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $49,871
Farmers $6,065
GEICO $12,564
Liberty Mutual $30,874
Nationwide $7,471
Progressive $5,286
State Farm $19,404
Travelers $10,331
USAA $4,638

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Cheapest Big Rapids, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Big Rapids, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $22,871 $22,871
Farmers $5,740 $5,740
GEICO $5,461 $5,717
Liberty Mutual $19,417 $20,833
Nationwide $7,189 $7,189
Progressive $5,286 $5,286
State Farm $11,507 $12,145
Travelers $6,611 $6,686
USAA $3,492 $3,575

The Best Cheap Car Insurance Companies in Big Rapids, MI

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

Average Annual Car Insurance Rates by Company in Big Rapids, Michigan

Insurance Company Average Annual Rates
Allstate $22,871
Farmers $5,740
GEICO $5,589
Liberty Mutual $20,125
Nationwide $7,189
Progressive $5,286
State Farm $11,826
Travelers $6,649
USAA $3,534

Category Winners: Cheapest Car Insurance in Big Rapids, Michigan

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

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

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

Annual Car Insurance Rates by Coverage Level in Big Rapids, Michigan

Insurance Company Low Medium High
Allstate $22,308 $22,921 $23,383
Farmers $5,616 $5,729 $5,875
GEICO $5,247 $5,543 $5,979
Liberty Mutual $19,708 $20,084 $20,583
Nationwide $7,537 $7,062 $6,967
Progressive $5,132 $5,293 $5,434
State Farm $11,244 $11,898 $12,336
Travelers $6,575 $6,656 $6,715
USAA $3,437 $3,541 $3,623

What affects car insurance rates in Big Rapids, Michigan?

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

Car Theft in Big Rapids

High levels of vehicle theft can make car insurance more expensive. Big Rapids, MI car theft statistics from the FBI indicate 6 vehicle thefts a year.

Commute Time in Big Rapids

The more time you spend in your car the higher the risk of an accident. The average commute length in Big Rapids, MI is 13.2 minutes according to City-Data.

Compare Car Insurance Quotes in Big Rapids, MI

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

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