Compare Montgomery, MI Car Insurance Rates (2021)

Car insurance in Montgomery, MI averages $740 a month. Montgomery, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Montgomery car insurance rates, compare quotes from the top car insurance companies in Montgomery, 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 Montgomery for teen drivers is USAA
  • Average car insurance rates in Montgomery, MI after a DUI are $14,816/year
  • Average car insurance rates in Montgomery, MI are $8,877/year

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

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

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

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

How do age, gender, and marital status affect Montgomery, MI car insurance rates? Every Montgomery, 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 Montgomery, 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 $15,508 $15,508 $14,411 $14,411 $38,391 $38,391 $16,337 $16,337
Farmers $3,573 $3,573 $3,336 $3,336 $7,810 $7,810 $4,003 $4,003
GEICO $3,739 $3,739 $3,789 $3,789 $10,344 $10,344 $3,573 $3,573
Liberty Mutual $13,638 $13,638 $13,501 $13,501 $32,257 $32,257 $13,638 $13,638
Nationwide $3,916 $3,916 $3,483 $3,483 $10,196 $10,196 $4,285 $4,285
Progressive $2,733 $2,573 $2,410 $2,667 $9,666 $10,345 $3,186 $2,999
State Farm $6,306 $6,306 $5,812 $5,812 $21,561 $21,561 $7,386 $7,386
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,529 $2,414 $2,374 $2,254 $6,205 $5,946 $3,100 $3,000

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Minimum Car Insurance in Montgomery, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Montgomery, Michigan

Insurance Company Poor Fair Good
Allstate $32,093 $17,779 $13,614
Farmers $6,172 $4,090 $3,779
GEICO $6,889 $5,068 $4,126
Liberty Mutual $28,872 $16,683 $9,220
Nationwide $6,841 $5,165 $4,405
Progressive $5,277 $4,435 $4,006
State Farm $16,635 $8,430 $5,734
Travelers $6,813 $6,608 $6,525
USAA $5,205 $2,963 $2,266

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

Annual Montgomery, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,313 $13,797 $46,116 $14,421
Farmers $3,947 $5,006 $4,944 $4,825
GEICO $1,923 $4,000 $12,013 $3,509
Liberty Mutual $12,830 $15,436 $28,384 $16,383
Nationwide $4,693 $6,223 $5,685 $5,279
Progressive $3,895 $5,069 $4,575 $4,751
State Farm $6,642 $7,903 $16,726 $9,793
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,801 $3,485 $4,572 $3,053

Cheapest Montgomery, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Montgomery, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $38,391 $38,391
Farmers $7,810 $7,810
GEICO $10,344 $10,344
Liberty Mutual $32,257 $32,257
Nationwide $10,196 $10,196
Progressive $9,666 $10,345
State Farm $21,561 $21,561
Travelers $13,395 $13,395
USAA $6,205 $5,946

Cheapest Montgomery, MI Car Insurance for Seniors

Take a look at Montgomery, 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 Montgomery, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $14,411 $14,411
Farmers $3,336 $3,336
GEICO $3,789 $3,789
Liberty Mutual $13,501 $13,501
Nationwide $3,483 $3,483
Progressive $2,410 $2,667
State Farm $5,812 $5,812
Travelers $3,858 $3,858
USAA $2,374 $2,254

Cheapest Montgomery, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Montgomery, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $46,116
Farmers $4,944
GEICO $12,013
Liberty Mutual $28,384
Nationwide $5,685
Progressive $4,575
State Farm $16,726
Travelers $10,331
USAA $4,572

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Cheapest Montgomery, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Montgomery, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $21,162 $21,162
Farmers $4,681 $4,681
GEICO $5,237 $5,486
Liberty Mutual $17,626 $18,891
Nationwide $5,470 $5,470
Progressive $4,572 $4,572
State Farm $9,993 $10,539
Travelers $6,611 $6,686
USAA $3,438 $3,517

The Best Cheap Car Insurance Companies in Montgomery, MI

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

Average Annual Car Insurance Rates by Company in Montgomery, Michigan

Insurance Company Average Annual Rates
Allstate $21,162
Farmers $4,681
GEICO $5,361
Liberty Mutual $18,258
Nationwide $5,470
Progressive $4,572
State Farm $10,266
Travelers $6,649
USAA $3,478

Category Winners: Cheapest Car Insurance in Montgomery, Michigan

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

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

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

Annual Car Insurance Rates by Coverage Level in Montgomery, Michigan

Insurance Company Low Medium High
Allstate $20,509 $21,220 $21,757
Farmers $4,566 $4,671 $4,804
GEICO $4,982 $5,311 $5,791
Liberty Mutual $17,781 $18,212 $18,782
Nationwide $5,725 $5,377 $5,308
Progressive $4,444 $4,578 $4,695
State Farm $9,786 $10,325 $10,688
Travelers $6,575 $6,656 $6,715
USAA $3,385 $3,485 $3,563

What affects car insurance rates in Montgomery, Michigan?

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

Car Theft in Montgomery

High levels of vehicle theft can make car insurance more expensive. Montgomery, MI car theft statistics from the FBI indicate 3 vehicle thefts a year.

Commute Time in Montgomery

The more time you spend in your car the higher the risk of an accident. The average commute length in Montgomery, MI is 27.2 minutes according to City-Data.

Traffic in Montgomery

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Montgomery, MI traffic data from INRIX ranks Montgomery as the 413th-most congested in the world.

Compare Car Insurance Quotes in Montgomery, MI

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

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