Compare Elk Rapids, MI Car Insurance Rates (2021)

Car insurance in Elk Rapids, MI averages $792 a month. Elk Rapids, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Elk Rapids car insurance rates, compare quotes from the top car insurance companies in Elk 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 Elk Rapids, MI after a DUI are $15,983/year
  • The cheapest car insurance company in Elk Rapids for teen drivers is USAA
  • The cheapest car insurance company in Elk Rapids is USAA

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

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

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

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

How do age, gender, and marital status affect Elk Rapids, MI car insurance rates? Every Elk 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 Elk 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 $18,178 $18,178 $17,007 $17,007 $43,020 $43,020 $19,109 $19,109
Farmers $4,039 $4,039 $3,769 $3,769 $9,004 $9,004 $4,546 $4,546
GEICO $3,728 $3,728 $3,811 $3,811 $10,509 $10,509 $3,566 $3,566
Liberty Mutual $13,423 $13,423 $13,290 $13,290 $31,542 $31,542 $13,423 $13,423
Nationwide $4,680 $4,680 $4,166 $4,166 $12,064 $12,064 $5,117 $5,117
Progressive $2,690 $2,503 $2,387 $2,653 $9,888 $10,559 $3,123 $2,897
State Farm $6,062 $6,062 $5,613 $5,613 $21,096 $21,096 $7,113 $7,113
Travelers $5,348 $5,348 $4,589 $4,589 $16,137 $16,137 $5,811 $5,811
USAA $2,540 $2,425 $2,384 $2,264 $6,292 $6,040 $3,119 $3,021

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Minimum Car Insurance in Elk Rapids, MI

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

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

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

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

Insurance Company Poor Fair Good
Allstate $37,251 $20,462 $15,271
Farmers $7,040 $4,668 $4,310
GEICO $6,944 $5,108 $4,158
Liberty Mutual $28,338 $16,372 $9,047
Nationwide $8,198 $6,128 $5,194
Progressive $5,275 $4,458 $4,029
State Farm $16,152 $8,189 $5,572
Travelers $8,169 $7,922 $7,822
USAA $5,253 $2,990 $2,289

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

Annual Elk Rapids, 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 $4,485 $5,715 $5,641 $5,517
GEICO $1,897 $4,025 $12,180 $3,511
Liberty Mutual $12,457 $15,103 $28,109 $16,009
Nationwide $5,553 $7,442 $6,765 $6,267
Progressive $3,904 $5,104 $4,587 $4,755
State Farm $6,364 $7,619 $16,401 $9,501
Travelers $5,408 $7,706 $12,382 $6,390
USAA $2,825 $3,518 $4,618 $3,081

Cheapest Elk Rapids, MI Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,020 $43,020
Farmers $9,004 $9,004
GEICO $10,509 $10,509
Liberty Mutual $31,542 $31,542
Nationwide $12,064 $12,064
Progressive $9,888 $10,559
State Farm $21,096 $21,096
Travelers $16,137 $16,137
USAA $6,292 $6,040

Cheapest Elk Rapids, MI Car Insurance for Seniors

Take a look at Elk 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 Elk Rapids, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,007 $17,007
Farmers $3,769 $3,769
GEICO $3,811 $3,811
Liberty Mutual $13,290 $13,290
Nationwide $4,166 $4,166
Progressive $2,387 $2,653
State Farm $5,613 $5,613
Travelers $4,589 $4,589
USAA $2,384 $2,264

Cheapest Elk Rapids, MI Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $53,166
Farmers $5,641
GEICO $12,180
Liberty Mutual $28,109
Nationwide $6,765
Progressive $4,587
State Farm $16,401
Travelers $12,382
USAA $4,618

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Cheapest Elk Rapids, MI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Elk 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 Elk Rapids, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $24,328 $24,328
Farmers $5,339 $5,339
GEICO $5,282 $5,525
Liberty Mutual $17,304 $18,535
Nationwide $6,507 $6,507
Progressive $4,587 $4,587
State Farm $9,707 $10,235
Travelers $7,926 $8,017
USAA $3,471 $3,550

The Best Cheap Car Insurance Companies in Elk Rapids, MI

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

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

Insurance Company Average Annual Rates
Allstate $24,328
Farmers $5,339
GEICO $5,404
Liberty Mutual $17,919
Nationwide $6,507
Progressive $4,587
State Farm $9,971
Travelers $7,971
USAA $3,511

Category Winners: Cheapest Car Insurance in Elk Rapids, Michigan

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

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

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

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

Insurance Company Low Medium High
Allstate $23,774 $24,378 $24,834
Farmers $5,223 $5,329 $5,466
GEICO $5,065 $5,357 $5,788
Liberty Mutual $17,501 $17,878 $18,379
Nationwide $6,846 $6,388 $6,286
Progressive $4,456 $4,593 $4,714
State Farm $9,497 $10,030 $10,387
Travelers $7,889 $7,978 $8,047
USAA $3,411 $3,519 $3,602

What affects car insurance rates in Elk Rapids, Michigan?

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

Commute Time in Elk Rapids

The more time you spend in your car the higher the risk of an accident. The average commute length in Elk Rapids, MI is 18.9 minutes according to City-Data.

Compare Car Insurance Quotes in Elk Rapids, MI

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

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