Compare Indian River, MI Car Insurance Rates (2021)

Car insurance in Indian River, MI averages $796 a month. Indian River, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Indian River car insurance rates, compare quotes from the top car insurance companies in Indian River, 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 Indian River, MI are $9,552/year
  • Average car insurance rates in Indian River, MI after a DUI are $16,061/year
  • The cheapest car insurance company in Indian River is USAA

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

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

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

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

How do age, gender, and marital status affect Indian River, MI car insurance rates? Every Indian River, 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 Indian River, 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 $18,269 $18,269 $17,084 $17,084 $43,218 $43,218 $19,206 $19,206
Farmers $3,404 $3,404 $3,175 $3,175 $7,634 $7,634 $3,816 $3,816
GEICO $3,884 $3,884 $3,922 $3,922 $10,771 $10,771 $3,717 $3,717
Liberty Mutual $12,825 $12,825 $12,695 $12,695 $30,474 $30,474 $12,825 $12,825
Nationwide $4,680 $4,680 $4,166 $4,166 $12,064 $12,064 $5,117 $5,117
Progressive $2,832 $2,647 $2,504 $2,779 $10,284 $10,997 $3,297 $3,077
State Farm $6,964 $6,964 $6,448 $6,448 $24,267 $24,267 $8,171 $8,171
Travelers $5,584 $5,584 $4,792 $4,792 $16,861 $16,861 $6,069 $6,069
USAA $2,315 $2,209 $2,178 $2,072 $5,527 $5,282 $2,821 $2,728

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Minimum Car Insurance in Indian River, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Indian River, Michigan

Insurance Company Poor Fair Good
Allstate $37,430 $20,552 $15,349
Farmers $5,883 $3,964 $3,674
GEICO $7,165 $5,269 $4,288
Liberty Mutual $27,202 $15,721 $8,691
Nationwide $8,198 $6,128 $5,194
Progressive $5,533 $4,663 $4,211
State Farm $18,592 $9,407 $6,389
Travelers $8,534 $8,275 $8,170
USAA $4,680 $2,685 $2,060

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

Annual Indian River, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,886 $15,983 $53,293 $16,615
Farmers $3,798 $4,825 $4,758 $4,647
GEICO $2,003 $4,153 $12,485 $3,655
Liberty Mutual $12,177 $14,582 $26,565 $15,494
Nationwide $5,553 $7,442 $6,765 $6,267
Progressive $4,083 $5,337 $4,806 $4,983
State Farm $7,320 $8,761 $18,847 $10,922
Travelers $5,658 $8,053 $12,908 $6,686
USAA $2,536 $3,144 $4,126 $2,760

Cheapest Indian River, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Indian River, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,218 $43,218
Farmers $7,634 $7,634
GEICO $10,771 $10,771
Liberty Mutual $30,474 $30,474
Nationwide $12,064 $12,064
Progressive $10,284 $10,997
State Farm $24,267 $24,267
Travelers $16,861 $16,861
USAA $5,527 $5,282

Cheapest Indian River, MI Car Insurance for Seniors

Take a look at Indian River, 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 Indian River, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,084 $17,084
Farmers $3,175 $3,175
GEICO $3,922 $3,922
Liberty Mutual $12,695 $12,695
Nationwide $4,166 $4,166
Progressive $2,504 $2,779
State Farm $6,448 $6,448
Travelers $4,792 $4,792
USAA $2,178 $2,072

Cheapest Indian River, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Indian River, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $53,293
Farmers $4,758
GEICO $12,485
Liberty Mutual $26,565
Nationwide $6,765
Progressive $4,806
State Farm $18,847
Travelers $12,908
USAA $4,126

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Cheapest Indian River, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Indian River, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $24,444 $24,444
Farmers $4,507 $4,507
GEICO $5,444 $5,704
Liberty Mutual $16,605 $17,805
Nationwide $6,507 $6,507
Progressive $4,802 $4,802
State Farm $11,155 $11,771
Travelers $8,279 $8,375
USAA $3,106 $3,177

The Best Cheap Car Insurance Companies in Indian River, MI

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

Average Annual Car Insurance Rates by Company in Indian River, Michigan

Insurance Company Average Annual Rates
Allstate $24,444
Farmers $4,507
GEICO $5,574
Liberty Mutual $17,205
Nationwide $6,507
Progressive $4,802
State Farm $11,463
Travelers $8,327
USAA $3,142

Category Winners: Cheapest Car Insurance in Indian River, Michigan

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

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

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

Annual Car Insurance Rates by Coverage Level in Indian River, Michigan

Insurance Company Low Medium High
Allstate $23,889 $24,493 $24,949
Farmers $4,384 $4,497 $4,640
GEICO $5,238 $5,528 $5,955
Liberty Mutual $16,782 $17,164 $17,669
Nationwide $6,846 $6,388 $6,286
Progressive $4,650 $4,809 $4,948
State Farm $10,899 $11,532 $11,957
Travelers $8,241 $8,334 $8,405
USAA $3,036 $3,150 $3,238

What affects car insurance rates in Indian River, Michigan?

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

Commute Time in Indian River

The more time you spend in your car the higher the risk of an accident. The average commute length in Indian River, MI is 25.4 minutes according to City-Data.

Compare Car Insurance Quotes in Indian River, MI

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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