Compare Breckenridge, MI Car Insurance Rates (2021)

Car insurance in Breckenridge, MI averages $687 a month. Breckenridge, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Breckenridge car insurance rates, compare quotes from the top car insurance companies in Breckenridge, 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 Breckenridge for teen drivers is USAA
  • Average car insurance rates in Breckenridge, MI after a DUI are $13,622/year
  • Average car insurance rates in Breckenridge, MI are $8,249/year

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

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

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

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

How do age, gender, and marital status affect Breckenridge, MI car insurance rates? Every Breckenridge, 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 Breckenridge, 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 $12,750 $12,750 $11,776 $11,776 $32,526 $32,526 $13,452 $13,452
Farmers $4,005 $4,005 $3,744 $3,744 $8,364 $8,364 $4,480 $4,480
GEICO $3,940 $3,940 $4,008 $4,008 $10,766 $10,766 $3,763 $3,763
Liberty Mutual $9,771 $9,771 $9,675 $9,675 $22,878 $22,878 $9,771 $9,771
Nationwide $3,909 $3,909 $3,489 $3,489 $9,932 $9,932 $4,266 $4,266
Progressive $2,809 $2,634 $2,479 $2,750 $10,028 $10,717 $3,272 $3,062
State Farm $6,825 $6,825 $6,339 $6,339 $24,011 $24,011 $8,015 $8,015
Travelers $5,380 $5,380 $4,626 $4,626 $16,180 $16,180 $5,842 $5,842
USAA $2,530 $2,376 $2,384 $2,240 $6,033 $5,667 $3,051 $2,897

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Minimum Car Insurance in Breckenridge, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Breckenridge, Michigan

Insurance Company Poor Fair Good
Allstate $26,626 $14,787 $11,465
Farmers $6,876 $4,460 $4,108
GEICO $7,223 $5,312 $4,322
Liberty Mutual $20,558 $11,906 $6,608
Nationwide $6,773 $5,091 $4,333
Progressive $5,445 $4,579 $4,133
State Farm $18,321 $9,272 $6,299
Travelers $8,206 $7,958 $7,858
USAA $5,072 $2,911 $2,209

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

Annual Breckenridge, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,682 $11,526 $38,214 $12,081
Farmers $4,346 $5,497 $5,438 $5,313
GEICO $1,997 $4,185 $12,630 $3,664
Liberty Mutual $9,083 $10,987 $20,384 $11,642
Nationwide $4,623 $6,158 $5,610 $5,205
Progressive $4,014 $5,238 $4,723 $4,900
State Farm $7,164 $8,602 $18,666 $10,758
Travelers $5,416 $7,736 $12,473 $6,404
USAA $2,738 $3,415 $4,457 $2,980

Cheapest Breckenridge, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Breckenridge, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $32,526 $32,526
Farmers $8,364 $8,364
GEICO $10,766 $10,766
Liberty Mutual $22,878 $22,878
Nationwide $9,932 $9,932
Progressive $10,028 $10,717
State Farm $24,011 $24,011
Travelers $16,180 $16,180
USAA $6,033 $5,667

Cheapest Breckenridge, MI Car Insurance for Seniors

Take a look at Breckenridge, 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 Breckenridge, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $11,776 $11,776
Farmers $3,744 $3,744
GEICO $4,008 $4,008
Liberty Mutual $9,675 $9,675
Nationwide $3,489 $3,489
Progressive $2,479 $2,750
State Farm $6,339 $6,339
Travelers $4,626 $4,626
USAA $2,384 $2,240

Cheapest Breckenridge, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Breckenridge, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $38,214
Farmers $5,438
GEICO $12,630
Liberty Mutual $20,384
Nationwide $5,610
Progressive $4,723
State Farm $18,666
Travelers $12,473
USAA $4,457

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Cheapest Breckenridge, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Breckenridge, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $17,626 $17,626
Farmers $5,148 $5,148
GEICO $5,490 $5,748
Liberty Mutual $12,578 $13,469
Nationwide $5,399 $5,399
Progressive $4,719 $4,719
State Farm $10,993 $11,602
Travelers $7,961 $8,053
USAA $3,358 $3,437

The Best Cheap Car Insurance Companies in Breckenridge, MI

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

Average Annual Car Insurance Rates by Company in Breckenridge, Michigan

Insurance Company Average Annual Rates
Allstate $17,626
Farmers $5,148
GEICO $5,619
Liberty Mutual $13,024
Nationwide $5,399
Progressive $4,719
State Farm $11,297
Travelers $8,007
USAA $3,397

Category Winners: Cheapest Car Insurance in Breckenridge, Michigan

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

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

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

Annual Car Insurance Rates by Coverage Level in Breckenridge, Michigan

Insurance Company Low Medium High
Allstate $17,196 $17,664 $18,017
Farmers $5,043 $5,140 $5,262
GEICO $5,290 $5,574 $5,993
Liberty Mutual $12,668 $12,990 $13,414
Nationwide $5,652 $5,308 $5,237
Progressive $4,579 $4,725 $4,852
State Farm $10,728 $11,368 $11,797
Travelers $7,920 $8,016 $8,086
USAA $3,296 $3,406 $3,491

What affects car insurance rates in Breckenridge, Michigan?

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

Car Theft in Breckenridge

High levels of vehicle theft can make car insurance more expensive. Breckenridge, MI car theft statistics from the FBI indicate 0 vehicle thefts a year.

Commute Time in Breckenridge

The more time you spend in your car the higher the risk of an accident. The average commute length in Breckenridge, MI is 20.8 minutes according to City-Data.

Compare Car Insurance Quotes in Breckenridge, MI

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

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

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