Compare Merrill, MI Car Insurance Rates (2021)

Car insurance in Merrill, MI averages $732 a month. Merrill, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Merrill car insurance rates, compare quotes from the top car insurance companies in Merrill, 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 Merrill for teen drivers is USAA
  • Average car insurance rates in Merrill, MI are $8,789/year
  • The cheapest car insurance company in Merrill is USAA

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

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

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

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

How do age, gender, and marital status affect Merrill, MI car insurance rates? Every Merrill, 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 Merrill, 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 $12,761 $12,761 $11,785 $11,785 $32,562 $32,562 $13,463 $13,463
Farmers $3,955 $3,955 $3,690 $3,690 $8,554 $8,554 $4,428 $4,428
GEICO $3,552 $3,552 $3,616 $3,616 $10,045 $10,045 $3,400 $3,400
Liberty Mutual $12,066 $12,066 $11,945 $11,945 $28,629 $28,629 $12,066 $12,066
Nationwide $4,395 $4,395 $3,913 $3,913 $11,679 $11,679 $4,824 $4,824
Progressive $2,803 $2,623 $2,479 $2,748 $10,210 $10,932 $3,264 $3,053
State Farm $7,279 $7,279 $6,764 $6,764 $25,728 $25,728 $8,554 $8,554
Travelers $5,615 $5,615 $4,820 $4,820 $16,936 $16,936 $6,099 $6,099
USAA $2,571 $2,450 $2,416 $2,289 $6,400 $6,131 $3,156 $3,049

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Minimum Car Insurance in Merrill, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Merrill, Michigan

Insurance Company Poor Fair Good
Allstate $26,651 $14,801 $11,477
Farmers $6,809 $4,501 $4,160
GEICO $6,619 $4,872 $3,968
Liberty Mutual $25,568 $14,782 $8,179
Nationwide $7,774 $5,859 $4,975
Progressive $5,485 $4,626 $4,181
State Farm $19,603 $9,913 $6,729
Travelers $8,575 $8,316 $8,211
USAA $5,322 $3,032 $2,319

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

Annual Merrill, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,690 $11,537 $38,252 $12,092
Farmers $4,350 $5,514 $5,445 $5,318
GEICO $1,827 $3,843 $11,581 $3,362
Liberty Mutual $11,434 $13,710 $24,998 $14,563
Nationwide $5,302 $7,103 $6,434 $5,971
Progressive $4,054 $5,294 $4,764 $4,944
State Farm $7,636 $9,183 $20,005 $11,502
Travelers $5,663 $8,086 $13,026 $6,695
USAA $2,861 $3,568 $4,682 $3,120

Cheapest Merrill, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Merrill, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $32,562 $32,562
Farmers $8,554 $8,554
GEICO $10,045 $10,045
Liberty Mutual $28,629 $28,629
Nationwide $11,679 $11,679
Progressive $10,210 $10,932
State Farm $25,728 $25,728
Travelers $16,936 $16,936
USAA $6,400 $6,131

Cheapest Merrill, MI Car Insurance for Seniors

Take a look at Merrill, 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 Merrill, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $11,785 $11,785
Farmers $3,690 $3,690
GEICO $3,616 $3,616
Liberty Mutual $11,945 $11,945
Nationwide $3,913 $3,913
Progressive $2,479 $2,748
State Farm $6,764 $6,764
Travelers $4,820 $4,820
USAA $2,416 $2,289

Cheapest Merrill, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Merrill, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $38,252
Farmers $5,445
GEICO $11,581
Liberty Mutual $24,998
Nationwide $6,434
Progressive $4,764
State Farm $20,005
Travelers $13,026
USAA $4,682

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Cheapest Merrill, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Merrill, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $17,643 $17,643
Farmers $5,157 $5,157
GEICO $5,036 $5,270
Liberty Mutual $15,613 $16,739
Nationwide $6,203 $6,203
Progressive $4,764 $4,764
State Farm $11,756 $12,407
Travelers $8,320 $8,416
USAA $3,518 $3,598

The Best Cheap Car Insurance Companies in Merrill, MI

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

Average Annual Car Insurance Rates by Company in Merrill, Michigan

Insurance Company Average Annual Rates
Allstate $17,643
Farmers $5,157
GEICO $5,153
Liberty Mutual $16,176
Nationwide $6,203
Progressive $4,764
State Farm $12,081
Travelers $8,368
USAA $3,558

Category Winners: Cheapest Car Insurance in Merrill, Michigan

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

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

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

Annual Car Insurance Rates by Coverage Level in Merrill, Michigan

Insurance Company Low Medium High
Allstate $17,213 $17,681 $18,034
Farmers $5,035 $5,147 $5,288
GEICO $4,827 $5,109 $5,523
Liberty Mutual $15,810 $16,142 $16,577
Nationwide $6,495 $6,097 $6,016
Progressive $4,624 $4,770 $4,898
State Farm $11,473 $12,157 $12,615
Travelers $8,281 $8,376 $8,446
USAA $3,448 $3,567 $3,658

What affects car insurance rates in Merrill, Michigan?

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

Commute Time in Merrill

The more time you spend in your car the higher the risk of an accident. The average commute length in Merrill, MI is 29.0 minutes according to City-Data.

Compare Car Insurance Quotes in Merrill, MI

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