Compare Elmira, MI Car Insurance Rates (2021)

Car insurance in Elmira, MI averages $788 a month. Elmira, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Elmira car insurance rates, compare quotes from the top car insurance companies in Elmira, 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 Elmira, MI after a DUI are $15,959/year
  • The cheapest car insurance company in Elmira for teen drivers is USAA
  • Average car insurance rates in Elmira, MI are $9,453/year

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

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

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

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

How do age, gender, and marital status affect Elmira, MI car insurance rates? Every Elmira, 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 Elmira, 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 $3,316 $3,316 $3,099 $3,099 $7,563 $7,563 $3,726 $3,726
GEICO $3,660 $3,660 $3,742 $3,742 $10,386 $10,386 $3,502 $3,502
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 $2,651 $2,486 $2,351 $2,592 $9,787 $10,526 $3,088 $2,907
State Farm $6,471 $6,471 $5,976 $5,976 $22,506 $22,506 $7,601 $7,601
Travelers $5,348 $5,348 $4,589 $4,589 $16,137 $16,137 $5,811 $5,811
USAA $2,473 $2,364 $2,321 $2,207 $6,108 $5,869 $3,037 $2,945

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Minimum Car Insurance in Elmira, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Elmira, Michigan

Insurance Company Poor Fair Good
Allstate $37,251 $20,462 $15,271
Farmers $5,782 $3,892 $3,603
GEICO $6,839 $5,032 $4,097
Liberty Mutual $28,338 $16,372 $9,047
Nationwide $8,198 $6,128 $5,194
Progressive $5,220 $4,419 $4,006
State Farm $17,244 $8,735 $5,938
Travelers $8,169 $7,922 $7,822
USAA $5,106 $2,910 $2,231

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

Annual Elmira, 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 $3,722 $4,741 $4,676 $4,564
GEICO $1,867 $3,966 $11,999 $3,458
Liberty Mutual $12,457 $15,103 $28,109 $16,009
Nationwide $5,553 $7,442 $6,765 $6,267
Progressive $3,880 $5,052 $4,546 $4,716
State Farm $6,791 $8,129 $17,498 $10,137
Travelers $5,408 $7,706 $12,382 $6,390
USAA $2,750 $3,422 $4,492 $2,998

Cheapest Elmira, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Elmira, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,020 $43,020
Farmers $7,563 $7,563
GEICO $10,386 $10,386
Liberty Mutual $31,542 $31,542
Nationwide $12,064 $12,064
Progressive $9,787 $10,526
State Farm $22,506 $22,506
Travelers $16,137 $16,137
USAA $6,108 $5,869

Cheapest Elmira, MI Car Insurance for Seniors

Take a look at Elmira, 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 Elmira, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,007 $17,007
Farmers $3,099 $3,099
GEICO $3,742 $3,742
Liberty Mutual $13,290 $13,290
Nationwide $4,166 $4,166
Progressive $2,351 $2,592
State Farm $5,976 $5,976
Travelers $4,589 $4,589
USAA $2,321 $2,207

Cheapest Elmira, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Elmira, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $53,166
Farmers $4,676
GEICO $11,999
Liberty Mutual $28,109
Nationwide $6,765
Progressive $4,546
State Farm $17,498
Travelers $12,382
USAA $4,492

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Cheapest Elmira, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Elmira, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $24,328 $24,328
Farmers $4,426 $4,426
GEICO $5,203 $5,442
Liberty Mutual $17,304 $18,535
Nationwide $6,507 $6,507
Progressive $4,548 $4,548
State Farm $10,363 $10,915
Travelers $7,926 $8,017
USAA $3,377 $3,454

The Best Cheap Car Insurance Companies in Elmira, MI

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

Average Annual Car Insurance Rates by Company in Elmira, Michigan

Insurance Company Average Annual Rates
Allstate $24,328
Farmers $4,426
GEICO $5,322
Liberty Mutual $17,919
Nationwide $6,507
Progressive $4,548
State Farm $10,639
Travelers $7,971
USAA $3,415

Category Winners: Cheapest Car Insurance in Elmira, Michigan

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

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

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

Annual Car Insurance Rates by Coverage Level in Elmira, Michigan

Insurance Company Low Medium High
Allstate $23,774 $24,378 $24,834
Farmers $4,302 $4,416 $4,560
GEICO $4,986 $5,277 $5,704
Liberty Mutual $17,501 $17,878 $18,379
Nationwide $6,846 $6,388 $6,286
Progressive $4,408 $4,555 $4,682
State Farm $10,164 $10,697 $11,055
Travelers $7,889 $7,978 $8,047
USAA $3,316 $3,423 $3,507

Compare Car Insurance Quotes in Elmira, MI

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

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