Compare Garden, MI Car Insurance Rates (2021)

Car insurance in Garden, MI averages $767 a month. Garden, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Garden car insurance rates, compare quotes from the top car insurance companies in Garden, 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 Garden, MI are $9,205/year
  • The cheapest car insurance company in Garden is USAA
  • The cheapest car insurance company in Garden for teen drivers is USAA

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

You’ll find Garden car insurance rates, the cheapest Garden, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Garden, Michigan car insurance rates to Dearborn car insurance rates, Warren car insurance rates, and Grand Rapids car insurance rates.

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

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

How do age, gender, and marital status affect Garden, MI car insurance rates? Every Garden, 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 Garden, 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 $4,057 $4,057 $3,791 $3,791 $8,862 $8,862 $4,546 $4,546
GEICO $3,500 $3,500 $3,539 $3,539 $9,818 $9,818 $3,353 $3,353
Liberty Mutual $14,273 $14,273 $14,122 $14,122 $34,830 $34,830 $14,273 $14,273
Nationwide $4,102 $4,102 $3,646 $3,646 $10,682 $10,682 $4,489 $4,489
Progressive $3,150 $2,932 $2,771 $3,104 $11,129 $11,797 $3,667 $3,382
State Farm $7,325 $7,325 $6,757 $6,757 $25,031 $25,031 $8,573 $8,573
Travelers $5,193 $5,193 $4,461 $4,461 $15,616 $15,616 $5,639 $5,639
USAA $2,292 $2,183 $2,155 $2,047 $5,457 $5,205 $2,786 $2,689

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Minimum Car Insurance in Garden, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Garden, Michigan

Insurance Company Poor Fair Good
Allstate $29,571 $16,285 $12,295
Farmers $7,018 $4,639 $4,285
GEICO $6,489 $4,777 $3,891
Liberty Mutual $30,651 $17,702 $9,771
Nationwide $7,176 $5,406 $4,606
Progressive $6,076 $5,084 $4,564
State Farm $19,344 $9,782 $6,640
Travelers $7,919 $7,680 $7,583
USAA $4,621 $2,651 $2,032

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

Annual Garden, 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 $4,476 $5,685 $5,614 $5,481
GEICO $1,820 $3,770 $11,304 $3,316
Liberty Mutual $14,203 $16,625 $28,910 $17,761
Nationwide $4,911 $6,523 $5,957 $5,528
Progressive $4,435 $5,830 $5,254 $5,447
State Farm $7,735 $9,191 $19,386 $11,376
Travelers $5,235 $7,468 $12,018 $6,188
USAA $2,505 $3,106 $4,067 $2,727

Cheapest Garden, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Garden, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $34,530 $34,530
Farmers $8,862 $8,862
GEICO $9,818 $9,818
Liberty Mutual $34,830 $34,830
Nationwide $10,682 $10,682
Progressive $11,129 $11,797
State Farm $25,031 $25,031
Travelers $15,616 $15,616
USAA $5,457 $5,205

Cheapest Garden, MI Car Insurance for Seniors

Take a look at Garden, 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 Garden, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,431 $13,431
Farmers $3,791 $3,791
GEICO $3,539 $3,539
Liberty Mutual $14,122 $14,122
Nationwide $3,646 $3,646
Progressive $2,771 $3,104
State Farm $6,757 $6,757
Travelers $4,461 $4,461
USAA $2,155 $2,047

Cheapest Garden, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Garden, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $41,923
Farmers $5,614
GEICO $11,304
Liberty Mutual $28,910
Nationwide $5,957
Progressive $5,254
State Farm $19,386
Travelers $12,018
USAA $4,067

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Cheapest Garden, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Garden, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,384 $19,384
Farmers $5,314 $5,314
GEICO $4,936 $5,170
Liberty Mutual $18,676 $20,073
Nationwide $5,730 $5,730
Progressive $5,242 $5,242
State Farm $11,595 $12,249
Travelers $7,683 $7,771
USAA $3,066 $3,137

The Best Cheap Car Insurance Companies in Garden, MI

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

Average Annual Car Insurance Rates by Company in Garden, Michigan

Insurance Company Average Annual Rates
Allstate $19,384
Farmers $5,314
GEICO $5,053
Liberty Mutual $19,375
Nationwide $5,730
Progressive $5,242
State Farm $11,922
Travelers $7,727
USAA $3,101

Category Winners: Cheapest Car Insurance in Garden, Michigan

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

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

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

Annual Car Insurance Rates by Coverage Level in Garden, Michigan

Insurance Company Low Medium High
Allstate $18,944 $19,423 $19,784
Farmers $5,179 $5,304 $5,459
GEICO $4,728 $5,009 $5,421
Liberty Mutual $18,941 $19,332 $19,850
Nationwide $6,003 $5,631 $5,555
Progressive $5,082 $5,248 $5,395
State Farm $11,320 $11,996 $12,449
Travelers $7,640 $7,737 $7,805
USAA $3,010 $3,108 $3,185

What affects car insurance rates in Garden, Michigan?

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

Commute Time in Garden

The more time you spend in your car the higher the risk of an accident. The average commute length in Garden, MI is 27.0 minutes according to City-Data.

Compare Car Insurance Quotes in Garden, MI

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

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