Compare Luther, MI Car Insurance Rates (2021)

Car insurance in Luther, MI averages $839 a month. Luther, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Luther car insurance rates, compare quotes from the top car insurance companies in Luther, 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

  • The cheapest car insurance company in Luther is USAA
  • Average car insurance rates in Luther, MI after a DUI are $16,713/year
  • Average car insurance rates in Luther, MI are $10,065/year

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

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

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

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

How do age, gender, and marital status affect Luther, MI car insurance rates? Every Luther, 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 Luther, 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 $18,261 $18,261 $17,077 $17,077 $43,192 $43,192 $19,197 $19,197
Farmers $4,376 $4,376 $4,084 $4,084 $9,462 $9,462 $4,911 $4,911
GEICO $3,941 $3,941 $3,995 $3,995 $10,930 $10,930 $3,769 $3,769
Liberty Mutual $14,956 $14,956 $14,804 $14,804 $35,785 $35,785 $14,956 $14,956
Nationwide $4,649 $4,649 $4,126 $4,126 $12,340 $12,340 $5,101 $5,101
Progressive $3,167 $2,969 $2,786 $3,095 $11,395 $12,189 $3,701 $3,465
State Farm $7,238 $7,238 $6,667 $6,667 $24,751 $24,751 $8,479 $8,479
Travelers $4,991 $4,991 $4,282 $4,282 $15,054 $15,054 $5,423 $5,423
USAA $2,638 $2,483 $2,483 $2,337 $6,280 $5,910 $3,188 $3,035

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Minimum Car Insurance in Luther, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Luther, Michigan

Insurance Company Poor Fair Good
Allstate $37,414 $20,541 $15,340
Farmers $7,580 $4,966 $4,579
GEICO $7,275 $5,349 $4,353
Liberty Mutual $31,844 $18,386 $10,145
Nationwide $8,224 $6,184 $5,254
Progressive $6,178 $5,185 $4,675
State Farm $19,117 $9,670 $6,565
Travelers $7,622 $7,392 $7,299
USAA $5,304 $3,032 $2,297

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

Annual Luther, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,880 $15,975 $53,265 $16,607
Farmers $4,805 $6,103 $6,031 $5,894
GEICO $2,018 $4,215 $12,703 $3,699
Liberty Mutual $14,339 $17,098 $30,874 $18,190
Nationwide $5,604 $7,485 $6,811 $6,316
Progressive $4,535 $5,940 $5,353 $5,556
State Farm $7,633 $9,077 $19,182 $11,242
Travelers $5,050 $7,190 $11,546 $5,964
USAA $2,855 $3,560 $4,653 $3,109

Cheapest Luther, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Luther, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,192 $43,192
Farmers $9,462 $9,462
GEICO $10,930 $10,930
Liberty Mutual $35,785 $35,785
Nationwide $12,340 $12,340
Progressive $11,395 $12,189
State Farm $24,751 $24,751
Travelers $15,054 $15,054
USAA $6,280 $5,910

Cheapest Luther, MI Car Insurance for Seniors

Take a look at Luther, 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 Luther, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,077 $17,077
Farmers $4,084 $4,084
GEICO $3,995 $3,995
Liberty Mutual $14,804 $14,804
Nationwide $4,126 $4,126
Progressive $2,786 $3,095
State Farm $6,667 $6,667
Travelers $4,282 $4,282
USAA $2,483 $2,337

Cheapest Luther, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Luther, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $53,265
Farmers $6,031
GEICO $12,703
Liberty Mutual $30,874
Nationwide $6,811
Progressive $5,353
State Farm $19,182
Travelers $11,546
USAA $4,653

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Cheapest Luther, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Luther, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $24,432 $24,432
Farmers $5,708 $5,708
GEICO $5,528 $5,790
Liberty Mutual $19,417 $20,833
Nationwide $6,554 $6,554
Progressive $5,346 $5,346
State Farm $11,468 $12,100
Travelers $7,395 $7,480
USAA $3,503 $3,585

The Best Cheap Car Insurance Companies in Luther, MI

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

Average Annual Car Insurance Rates by Company in Luther, Michigan

Insurance Company Average Annual Rates
Allstate $24,432
Farmers $5,708
GEICO $5,659
Liberty Mutual $20,125
Nationwide $6,554
Progressive $5,346
State Farm $11,784
Travelers $7,438
USAA $3,544

Category Winners: Cheapest Car Insurance in Luther, Michigan

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

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

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

Annual Car Insurance Rates by Coverage Level in Luther, Michigan

Insurance Company Low Medium High
Allstate $23,877 $24,481 $24,937
Farmers $5,586 $5,698 $5,841
GEICO $5,316 $5,612 $6,048
Liberty Mutual $19,708 $20,084 $20,583
Nationwide $6,869 $6,440 $6,353
Progressive $5,173 $5,354 $5,511
State Farm $11,223 $11,853 $12,275
Travelers $7,365 $7,444 $7,504
USAA $3,447 $3,552 $3,634

What affects car insurance rates in Luther, Michigan?

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

Commute Time in Luther

The more time you spend in your car the higher the risk of an accident. The average commute length in Luther, MI is 28.1 minutes according to City-Data.

Compare Car Insurance Quotes in Luther, MI

Ready to find affordable Luther, Michigan car insurance today? Enter your ZIP code for fast, free Luther, 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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