Compare Midland, MI Car Insurance Rates (2021)

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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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 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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Midland, 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 $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 in Midland, MI. Take a look at the Michigan car insurance requirements.

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

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

Annual Car Insurance Rates by Credit Score in Midland, Michigan

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. Compare bad driving record car insurance rates in Midland, MI to rates for a clean record with top companies.

Annual Midland, Michigan Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates for Teen Drivers in Midland, Michigan

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 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 Midland, Michigan

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 DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Midland, Michigan

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.

Annual Car Insurance Rates by Commute Length in Midland, Michigan

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.

Annual Car Insurance Rates by ZIP Code in Midland, Michigan

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.

Average Annual Car Insurance Rates by Company in Midland, Michigan

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.

Best Annual Car Insurance Rates by Company in Midland, Michigan

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

Annual Car Insurance Rates by Coverage Level in Midland, Michigan

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 factors can have an impact on Midland, MI car insurance? 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.

Free Car Insurance Comparison

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

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