Compare Chatham, MI Car Insurance Rates (2021)

Car insurance in Chatham, MI averages $743 a month. Chatham, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Chatham car insurance rates, compare quotes from the top car insurance companies in Chatham, MI.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Chatham for teen drivers is USAA
  • The cheapest car insurance company in Chatham is USAA
  • Average car insurance rates in Chatham, MI are $8,917/year

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

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

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

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

How do age, gender, and marital status affect Chatham, MI car insurance rates? Every Chatham, 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 Chatham, 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 $14,412 $14,412 $13,431 $13,431 $34,530 $34,530 $15,163 $15,163
Farmers $3,895 $3,895 $3,641 $3,641 $8,499 $8,499 $4,364 $4,364
GEICO $3,500 $3,500 $3,539 $3,539 $9,818 $9,818 $3,353 $3,353
Liberty Mutual $12,802 $12,802 $12,673 $12,673 $30,473 $30,473 $12,802 $12,802
Nationwide $3,742 $3,742 $3,325 $3,325 $9,836 $9,836 $4,099 $4,099
Progressive $3,248 $3,026 $2,856 $3,195 $11,635 $12,372 $3,787 $3,505
State Farm $7,072 $7,072 $6,545 $6,545 $24,467 $24,467 $8,288 $8,288
Travelers $5,193 $5,193 $4,461 $4,461 $15,616 $15,616 $5,639 $5,639
USAA $2,587 $2,452 $2,431 $2,299 $6,217 $5,902 $3,146 $3,020

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Chatham, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Chatham, Michigan

Insurance Company Poor Fair Good
Allstate $29,571 $16,285 $12,295
Farmers $6,732 $4,453 $4,114
GEICO $6,489 $4,777 $3,891
Liberty Mutual $27,174 $15,706 $8,682
Nationwide $6,547 $4,963 $4,242
Progressive $6,314 $5,290 $4,755
State Farm $18,806 $9,513 $6,459
Travelers $7,919 $7,680 $7,583
USAA $5,248 $2,994 $2,279

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

Annual Chatham, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,561 $12,794 $41,923 $13,257
Farmers $4,297 $5,455 $5,388 $5,259
GEICO $1,820 $3,770 $11,304 $3,316
Liberty Mutual $12,187 $14,583 $26,480 $15,500
Nationwide $4,513 $5,964 $5,456 $5,070
Progressive $4,616 $6,068 $5,461 $5,668
State Farm $7,450 $8,891 $18,978 $11,053
Travelers $5,235 $7,468 $12,018 $6,188
USAA $2,825 $3,517 $4,608 $3,078

Cheapest Chatham, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Chatham, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $34,530 $34,530
Farmers $8,499 $8,499
GEICO $9,818 $9,818
Liberty Mutual $30,473 $30,473
Nationwide $9,836 $9,836
Progressive $11,635 $12,372
State Farm $24,467 $24,467
Travelers $15,616 $15,616
USAA $6,217 $5,902

Cheapest Chatham, MI Car Insurance for Seniors

Take a look at Chatham, 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 Chatham, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,431 $13,431
Farmers $3,641 $3,641
GEICO $3,539 $3,539
Liberty Mutual $12,673 $12,673
Nationwide $3,325 $3,325
Progressive $2,856 $3,195
State Farm $6,545 $6,545
Travelers $4,461 $4,461
USAA $2,431 $2,299

Cheapest Chatham, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Chatham, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $41,923
Farmers $5,388
GEICO $11,304
Liberty Mutual $26,480
Nationwide $5,456
Progressive $5,461
State Farm $18,978
Travelers $12,018
USAA $4,608

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Chatham, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Chatham, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,384 $19,384
Farmers $5,100 $5,100
GEICO $4,936 $5,170
Liberty Mutual $16,587 $17,788
Nationwide $5,251 $5,251
Progressive $5,453 $5,453
State Farm $11,276 $11,910
Travelers $7,683 $7,771
USAA $3,466 $3,547

The Best Cheap Car Insurance Companies in Chatham, MI

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

Average Annual Car Insurance Rates by Company in Chatham, Michigan

Insurance Company Average Annual Rates
Allstate $19,384
Farmers $5,100
GEICO $5,053
Liberty Mutual $17,188
Nationwide $5,251
Progressive $5,453
State Farm $11,593
Travelers $7,727
USAA $3,507

Category Winners: Cheapest Car Insurance in Chatham, Michigan

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

Best Annual Car Insurance Rates by Company in Chatham, Michigan

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Chatham, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Chatham, Michigan

Insurance Company Low Medium High
Allstate $18,944 $19,423 $19,784
Farmers $4,971 $5,090 $5,239
GEICO $4,728 $5,009 $5,421
Liberty Mutual $16,785 $17,149 $17,629
Nationwide $5,484 $5,164 $5,104
Progressive $5,298 $5,459 $5,602
State Farm $11,002 $11,666 $12,110
Travelers $7,640 $7,737 $7,805
USAA $3,410 $3,515 $3,596

What affects car insurance rates in Chatham, Michigan?

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

Commute Time in Chatham

The more time you spend in your car the higher the risk of an accident. The average commute length in Chatham, MI is 26.4 minutes according to City-Data.

Compare Car Insurance Quotes in Chatham, MI

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption