Compare Midland, MI Car Insurance Rates [2023]
Car insurance in Midland, MI averages $678 a month. Midland, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Midland car insurance rates, compare quotes from the top car insurance companies in Midland, MI.
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Joel Ohman
Founder & CFP®
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...
Founder & CFP®
UPDATED: Jun 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Midland, MI are $8,131/year
- The cheapest ZIP code in Midland is 48640
- Average car insurance rates in Midland, MI after a DUI are $13,553/year
If you need to buy Midland, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Midland, MI is right here.
You’ll find Midland car insurance rates, the cheapest Midland, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Midland, Michigan car insurance rates to Grand Rapids car insurance rates, Lansing car insurance rates, and Detroit car insurance rates.
Ready to find affordable Midland, MI car insurance today? Enter your ZIP code for fast, free Midland car insurance quotes.
Cheapest Midland, MI Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Midland, MI car insurance rates? Every Midland, Michigan car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $13,935 | $13,935 | $12,940 | $12,940 | $34,434 | $34,434 | $14,678 | $14,678 |
| Farmers | $3,562 | $3,562 | $3,329 | $3,329 | $8,024 | $8,024 | $4,002 | $4,002 |
| Geico | $3,416 | $3,416 | $3,502 | $3,502 | $9,679 | $9,679 | $3,266 | $3,266 |
| Liberty Mutual | $9,771 | $9,771 | $9,675 | $9,675 | $22,878 | $22,878 | $9,771 | $9,771 |
| Nationwide | $4,054 | $4,054 | $3,616 | $3,616 | $10,496 | $10,496 | $4,435 | $4,435 |
| Progressive | $2,372 | $2,207 | $2,114 | $2,344 | $8,613 | $9,183 | $2,742 | $2,539 |
| State Farm | $6,418 | $6,418 | $5,964 | $5,964 | $22,626 | $22,626 | $7,539 | $7,539 |
| Travelers | $5,380 | $5,380 | $4,626 | $4,626 | $16,180 | $16,180 | $5,842 | $5,842 |
| USAA | $2,371 | $2,214 | $2,240 | $2,095 | $5,604 | $5,226 | $2,838 | $2,675 |
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Minimum Car Insurance in Midland, MI
Every driver must carry the minimum car insurance required by the state in Midland, MI. Take a look at the Michigan car insurance requirements.
| 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 Midland, MI Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Midland, MI. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Midland from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $28,855 | $15,958 | $12,177 |
| Farmers | $6,215 | $4,144 | $3,830 |
| Geico | $6,377 | $4,695 | $3,825 |
| Liberty Mutual | $20,558 | $11,906 | $6,608 |
| Nationwide | $7,084 | $5,333 | $4,534 |
| Progressive | $4,608 | $3,903 | $3,531 |
| State Farm | $17,240 | $8,733 | $5,937 |
| Travelers | $8,206 | $7,958 | $7,858 |
| USAA | $4,698 | $2,715 | $2,061 |
Cheapest Midland, MI Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Midland, MI to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $9,298 | $12,410 | $41,307 | $12,971 |
| Farmers | $3,978 | $5,064 | $4,999 | $4,876 |
| Geico | $1,743 | $3,705 | $11,191 | $3,224 |
| Liberty Mutual | $9,083 | $10,987 | $20,384 | $11,642 |
| Nationwide | $4,835 | $6,456 | $5,866 | $5,443 |
| Progressive | $3,425 | $4,460 | $4,017 | $4,155 |
| State Farm | $6,729 | $8,088 | $17,603 | $10,127 |
| Travelers | $5,416 | $7,736 | $12,473 | $6,404 |
| USAA | $2,548 | $3,179 | $4,133 | $2,771 |
Cheapest Midland, MI Car Insurance for Teen Drivers
Teen car insurance in Midland, MI can be expensive. Take a look at rates from the top car insurance companies in Midland for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $34,434 | $34,434 |
| Farmers | $8,024 | $8,024 |
| Geico | $9,679 | $9,679 |
| Liberty Mutual | $22,878 | $22,878 |
| Nationwide | $10,496 | $10,496 |
| Progressive | $8,613 | $9,183 |
| State Farm | $22,626 | $22,626 |
| Travelers | $16,180 | $16,180 |
| USAA | $5,604 | $5,226 |
Cheapest Midland, MI Car Insurance for Seniors
Take a look at Midland, MI rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $12,940 | $12,940 |
| Farmers | $3,329 | $3,329 |
| Geico | $3,502 | $3,502 |
| Liberty Mutual | $9,675 | $9,675 |
| Nationwide | $3,616 | $3,616 |
| Progressive | $2,114 | $2,344 |
| State Farm | $5,964 | $5,964 |
| Travelers | $4,626 | $4,626 |
| USAA | $2,240 | $2,095 |
Cheapest Midland, MI Car Insurance Rates After a DUI
A DUI in Midland, MI increases car insurance rates. Compare Midland, Michigan car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $41,307 |
| Farmers | $4,999 |
| Geico | $11,191 |
| Liberty Mutual | $20,384 |
| Nationwide | $5,866 |
| Progressive | $4,017 |
| State Farm | $17,603 |
| Travelers | $12,473 |
| USAA | $4,133 |
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Cheapest Midland, MI Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Midland, MI by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $18,997 | $18,997 |
| Farmers | $4,729 | $4,729 |
| Geico | $4,855 | $5,077 |
| Liberty Mutual | $12,578 | $13,469 |
| Nationwide | $5,650 | $5,650 |
| Progressive | $4,014 | $4,014 |
| State Farm | $10,352 | $10,921 |
| Travelers | $7,961 | $8,053 |
| USAA | $3,122 | $3,194 |
Cheapest Midland, MI Car Insurance Rates by ZIP Code
Midland car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Midland, MI.
| ZIP Code | Average Annual Rates |
|---|---|
| 48640 | $5,824 |
| 48642 | $5,833 |
The Best Cheap Car Insurance Companies in Midland, MI
Take a look at a side-by-side comparison of the top car insurance companies in Midland, MI to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $18,997 |
| Farmers | $4,729 |
| Geico | $4,966 |
| Liberty Mutual | $13,024 |
| Nationwide | $5,650 |
| Progressive | $4,014 |
| State Farm | $10,637 |
| Travelers | $8,007 |
| USAA | $3,158 |
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Category Winners: Cheapest Car Insurance in Midland, Michigan
Find the cheapest car insurance companies in Midland, MI for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | USAA |
Cheapest Midland, MI Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Midland car insurance rates. Find the cheapest Midland, MI car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $18,568 | $19,035 | $19,387 |
| Farmers | $4,600 | $4,718 | $4,869 |
| Geico | $4,629 | $4,920 | $5,349 |
| Liberty Mutual | $12,668 | $12,990 | $13,414 |
| Nationwide | $5,916 | $5,554 | $5,480 |
| Progressive | $3,888 | $4,020 | $4,135 |
| State Farm | $10,108 | $10,702 | $11,100 |
| Travelers | $7,920 | $8,016 | $8,086 |
| USAA | $3,062 | $3,166 | $3,246 |
What affects car insurance rates in Midland, Michigan?
What are the factors that affect car insurance rates in Midland, MI? There are several reasons why Midland car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Midland, Michigan.
Car Theft in Midland
High levels of vehicle theft can make car insurance more expensive. Midland, MI car theft statistics from the FBI indicate 12 vehicle thefts a year.
Commute Time in Midland
The more time you spend in your car the higher the risk of an accident. The average commute length in Midland, MI is 19.1 minutes according to City-Data.
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Compare Car Insurance Quotes in Midland, MI
Ready to find affordable Midland, Michigan car insurance today? Enter your ZIP code for fast, free Midland, MI car insurance quotes.
Frequently Asked Questions
Does commute length affect car insurance rates in Midland, MI?
Yes, commute length can affect car insurance rates in Midland, MI. Generally, longer commutes may lead to higher premiums compared to shorter commutes. It’s recommended to compare quotes from different insurers to find the best rates based on your specific commute length.
How does a DUI affect car insurance rates in Midland, MI?
A DUI typically leads to higher car insurance rates in Midland, MI. Insurance companies may consider DUIs as a risk factor, resulting in increased premiums. Comparing rates from different insurers can help find the most affordable option after a DUI.
Are there special car insurance rates for senior drivers in Midland, MI?
Yes, there are car insurance rates specifically designed for senior drivers in Midland, MI. Shopping around and comparing quotes from different insurers can help senior drivers find the most competitive rates.
How much does car insurance for teen drivers cost in Midland, MI?
Car insurance for teen drivers in Midland, MI can be expensive. Rates vary depending on the insurance company, but it’s advisable to compare quotes from different insurers to find the most affordable option.
How does my driving record affect car insurance rates in Midland, MI?
Your driving record is one of the key factors that can impact car insurance rates in Midland, MI. Having a clean driving record generally results in lower premiums, while accidents, DUIs, and speeding violations can lead to higher rates.
Does my credit score affect car insurance rates in Midland, MI?
Yes, your credit score can affect car insurance rates in Midland, MI. Having a good credit score may make you eligible for a good credit discount on your premiums.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Founder & CFP®
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...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.