Compare Dowagiac, MI Car Insurance Rates (2021)

Car insurance in Dowagiac, MI averages $740 a month. Dowagiac, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Dowagiac car insurance rates, compare quotes from the top car insurance companies in Dowagiac, 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 Dowagiac, MI are $8,882/year
  • The cheapest car insurance company in Dowagiac is USAA
  • Average car insurance rates in Dowagiac, MI after a DUI are $14,724/year

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

You’ll find Dowagiac car insurance rates, the cheapest Dowagiac, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Dowagiac, Michigan car insurance rates to Lansing car insurance rates, Warren car insurance rates, and Ann Arbor car insurance rates.

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

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

How do age, gender, and marital status affect Dowagiac, MI car insurance rates? Every Dowagiac, 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 Dowagiac, 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 $14,503 $14,503 $13,470 $13,470 $35,829 $35,829 $15,278 $15,278
Farmers $4,309 $4,309 $4,024 $4,024 $9,632 $9,632 $4,839 $4,839
GEICO $3,799 $3,799 $3,891 $3,891 $10,701 $10,701 $3,628 $3,628
Liberty Mutual $13,713 $13,713 $13,578 $13,578 $32,196 $32,196 $13,713 $13,713
Nationwide $3,891 $3,891 $3,472 $3,472 $10,126 $10,126 $4,260 $4,260
Progressive $2,882 $2,661 $2,543 $2,869 $9,952 $10,433 $3,333 $3,020
State Farm $6,186 $6,186 $5,742 $5,742 $21,643 $21,643 $7,259 $7,259
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,665 $2,527 $2,506 $2,368 $6,557 $6,240 $3,256 $3,127

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Minimum Car Insurance in Dowagiac, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Dowagiac, Michigan

Insurance Company Poor Fair Good
Allstate $30,001 $16,609 $12,699
Farmers $7,545 $4,972 $4,586
GEICO $7,075 $5,204 $4,235
Liberty Mutual $28,944 $16,719 $9,237
Nationwide $6,799 $5,136 $4,375
Progressive $5,473 $4,572 $4,090
State Farm $16,540 $8,382 $5,701
Travelers $6,813 $6,608 $6,525
USAA $5,473 $3,119 $2,376

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

Annual Dowagiac, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,675 $12,927 $42,983 $13,495
Farmers $4,796 $6,105 $6,031 $5,873
GEICO $1,927 $4,104 $12,415 $3,571
Liberty Mutual $12,709 $15,412 $28,745 $16,333
Nationwide $4,659 $6,208 $5,642 $5,239
Progressive $3,980 $5,242 $4,734 $4,891
State Farm $6,495 $7,786 $16,826 $9,723
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,939 $3,669 $4,811 $3,204

Cheapest Dowagiac, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Dowagiac, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $35,829 $35,829
Farmers $9,632 $9,632
GEICO $10,701 $10,701
Liberty Mutual $32,196 $32,196
Nationwide $10,126 $10,126
Progressive $9,952 $10,433
State Farm $21,643 $21,643
Travelers $13,395 $13,395
USAA $6,557 $6,240

Cheapest Dowagiac, MI Car Insurance for Seniors

Take a look at Dowagiac, 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 Dowagiac, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,470 $13,470
Farmers $4,024 $4,024
GEICO $3,891 $3,891
Liberty Mutual $13,578 $13,578
Nationwide $3,472 $3,472
Progressive $2,543 $2,869
State Farm $5,742 $5,742
Travelers $3,858 $3,858
USAA $2,506 $2,368

Cheapest Dowagiac, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Dowagiac, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $42,983
Farmers $6,031
GEICO $12,415
Liberty Mutual $28,745
Nationwide $5,642
Progressive $4,734
State Farm $16,826
Travelers $10,331
USAA $4,811

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Cheapest Dowagiac, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Dowagiac, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,770 $19,770
Farmers $5,701 $5,701
GEICO $5,380 $5,629
Liberty Mutual $17,672 $18,928
Nationwide $5,437 $5,437
Progressive $4,712 $4,712
State Farm $9,933 $10,482
Travelers $6,611 $6,686
USAA $3,614 $3,698

The Best Cheap Car Insurance Companies in Dowagiac, MI

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

Average Annual Car Insurance Rates by Company in Dowagiac, Michigan

Insurance Company Average Annual Rates
Allstate $19,770
Farmers $5,701
GEICO $5,505
Liberty Mutual $18,300
Nationwide $5,437
Progressive $4,712
State Farm $10,208
Travelers $6,649
USAA $3,656

Category Winners: Cheapest Car Insurance in Dowagiac, Michigan

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

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

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

Annual Car Insurance Rates by Coverage Level in Dowagiac, Michigan

Insurance Company Low Medium High
Allstate $19,265 $19,815 $20,230
Farmers $5,539 $5,687 $5,877
GEICO $5,098 $5,452 $5,964
Liberty Mutual $17,826 $18,254 $18,820
Nationwide $5,635 $5,360 $5,316
Progressive $4,558 $4,718 $4,859
State Farm $9,697 $10,270 $10,655
Travelers $6,575 $6,656 $6,715
USAA $3,544 $3,665 $3,758

What affects car insurance rates in Dowagiac, Michigan?

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

Commute Time in Dowagiac

The more time you spend in your car the higher the risk of an accident. The average commute length in Dowagiac, MI is 20.3 minutes according to City-Data.

Compare Car Insurance Quotes in Dowagiac, MI

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

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