Compare Elberta, MI Car Insurance Rates (2021)

Car insurance in Elberta, MI averages $804 a month. Elberta, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Elberta car insurance rates, compare quotes from the top car insurance companies in Elberta, 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 Elberta, MI after a DUI are $16,119/year
  • Average car insurance rates in Elberta, MI are $9,648/year
  • The cheapest car insurance company in Elberta is USAA

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

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

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

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

How do age, gender, and marital status affect Elberta, MI car insurance rates? Every Elberta, 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 Elberta, 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 $18,178 $18,178 $17,007 $17,007 $43,020 $43,020 $19,109 $19,109
Farmers $4,198 $4,198 $3,914 $3,914 $9,206 $9,206 $4,711 $4,711
GEICO $3,785 $3,785 $3,839 $3,839 $10,689 $10,689 $3,624 $3,624
Liberty Mutual $12,825 $12,825 $12,695 $12,695 $30,474 $30,474 $12,825 $12,825
Nationwide $4,399 $4,399 $3,927 $3,927 $10,998 $10,998 $4,790 $4,790
Progressive $3,241 $3,012 $2,860 $3,197 $11,931 $12,718 $3,781 $3,494
State Farm $6,757 $6,757 $6,240 $6,240 $23,371 $23,371 $7,926 $7,926
Travelers $5,348 $5,348 $4,589 $4,589 $16,137 $16,137 $5,811 $5,811
USAA $2,700 $2,564 $2,535 $2,397 $6,652 $6,343 $3,302 $3,178

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Minimum Car Insurance in Elberta, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Elberta, Michigan

Insurance Company Poor Fair Good
Allstate $37,251 $20,462 $15,271
Farmers $7,272 $4,808 $4,441
GEICO $7,049 $5,185 $4,220
Liberty Mutual $27,202 $15,721 $8,691
Nationwide $7,610 $5,670 $4,805
Progressive $6,383 $5,369 $4,835
State Farm $17,955 $9,090 $6,176
Travelers $8,169 $7,922 $7,822
USAA $5,561 $3,160 $2,406

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

Annual Elberta, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,781 $15,856 $53,166 $16,511
Farmers $4,636 $5,892 $5,817 $5,684
GEICO $1,951 $4,088 $12,314 $3,585
Liberty Mutual $12,177 $14,582 $26,565 $15,494
Nationwide $5,143 $6,895 $6,270 $5,806
Progressive $4,680 $6,162 $5,535 $5,739
State Farm $7,106 $8,486 $18,146 $10,556
Travelers $5,408 $7,706 $12,382 $6,390
USAA $2,983 $3,722 $4,879 $3,253

Cheapest Elberta, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Elberta, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,020 $43,020
Farmers $9,206 $9,206
GEICO $10,689 $10,689
Liberty Mutual $30,474 $30,474
Nationwide $10,998 $10,998
Progressive $11,931 $12,718
State Farm $23,371 $23,371
Travelers $16,137 $16,137
USAA $6,652 $6,343

Cheapest Elberta, MI Car Insurance for Seniors

Take a look at Elberta, 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 Elberta, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,007 $17,007
Farmers $3,914 $3,914
GEICO $3,839 $3,839
Liberty Mutual $12,695 $12,695
Nationwide $3,927 $3,927
Progressive $2,860 $3,197
State Farm $6,240 $6,240
Travelers $4,589 $4,589
USAA $2,535 $2,397

Cheapest Elberta, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Elberta, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $53,166
Farmers $5,817
GEICO $12,314
Liberty Mutual $26,565
Nationwide $6,270
Progressive $5,535
State Farm $18,146
Travelers $12,382
USAA $4,879

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Cheapest Elberta, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Elberta, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $24,328 $24,328
Farmers $5,507 $5,507
GEICO $5,358 $5,611
Liberty Mutual $16,605 $17,805
Nationwide $6,028 $6,028
Progressive $5,529 $5,529
State Farm $10,780 $11,367
Travelers $7,926 $8,017
USAA $3,667 $3,751

The Best Cheap Car Insurance Companies in Elberta, MI

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

Average Annual Car Insurance Rates by Company in Elberta, Michigan

Insurance Company Average Annual Rates
Allstate $24,328
Farmers $5,507
GEICO $5,485
Liberty Mutual $17,205
Nationwide $6,028
Progressive $5,529
State Farm $11,073
Travelers $7,971
USAA $3,709

Category Winners: Cheapest Car Insurance in Elberta, Michigan

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

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

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

Annual Car Insurance Rates by Coverage Level in Elberta, Michigan

Insurance Company Low Medium High
Allstate $23,774 $24,378 $24,834
Farmers $5,382 $5,497 $5,643
GEICO $5,130 $5,437 $5,887
Liberty Mutual $16,782 $17,164 $17,669
Nationwide $6,359 $5,915 $5,811
Progressive $5,363 $5,536 $5,688
State Farm $10,552 $11,138 $11,530
Travelers $7,889 $7,978 $8,047
USAA $3,614 $3,717 $3,797

What affects car insurance rates in Elberta, Michigan?

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

Commute Time in Elberta

The more time you spend in your car the higher the risk of an accident. The average commute length in Elberta, MI is 18.1 minutes according to City-Data.

Compare Car Insurance Quotes in Elberta, MI

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

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