Compare Novi, MI Car Insurance Rates (2021)

Car insurance in Novi, MI averages $961 a month. Novi, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Novi car insurance rates, compare quotes from the top car insurance companies in Novi, 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 Novi, MI after a DUI are $19,409/year
  • The cheapest ZIP code in Novi is 48375
  • The cheapest car insurance company in Novi is USAA

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

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

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

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

How do age, gender, and marital status affect Novi, MI car insurance rates? Every Novi, 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 Novi, 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 $19,419 $19,419 $18,102 $18,102 $47,450 $47,450 $20,438 $20,438
Farmers $6,913 $6,913 $6,396 $6,396 $15,383 $15,383 $7,822 $7,822
GEICO $5,879 $5,879 $6,010 $6,010 $16,020 $16,020 $5,596 $5,596
Liberty Mutual $14,993 $14,993 $14,847 $14,847 $34,903 $34,903 $14,993 $14,993
Nationwide $4,599 $4,599 $4,083 $4,083 $12,455 $12,455 $5,061 $5,061
Progressive $3,167 $2,927 $2,803 $3,138 $11,878 $12,657 $3,687 $3,386
State Farm $8,148 $8,148 $7,576 $7,576 $28,954 $28,954 $9,583 $9,583
Travelers $7,220 $7,220 $6,197 $6,197 $21,849 $21,849 $7,847 $7,847
USAA $2,639 $2,502 $2,484 $2,343 $6,641 $6,334 $3,234 $3,107

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Minimum Car Insurance in Novi, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Novi, Michigan

Insurance Company Poor Fair Good
Allstate $40,194 $22,159 $16,704
Farmers $13,251 $7,336 $6,798
GEICO $10,796 $7,912 $6,420
Liberty Mutual $31,535 $18,213 $10,055
Nationwide $8,198 $6,191 $5,260
Progressive $6,286 $5,304 $4,776
State Farm $22,023 $11,127 $7,546
Travelers $11,048 $10,711 $10,575
USAA $5,473 $3,123 $2,385

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

Annual Novi, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $12,637 $16,978 $57,954 $17,841
Farmers $7,608 $9,836 $9,662 $9,408
GEICO $2,900 $6,215 $18,977 $5,412
Liberty Mutual $13,654 $16,711 $31,697 $17,675
Nationwide $5,601 $7,495 $6,795 $6,307
Progressive $4,619 $6,089 $5,458 $5,656
State Farm $8,543 $10,290 $22,518 $12,910
Travelers $7,281 $10,416 $16,797 $8,619
USAA $2,939 $3,677 $4,820 $3,206

Cheapest Novi, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Novi, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $47,450 $47,450
Farmers $15,383 $15,383
GEICO $16,020 $16,020
Liberty Mutual $34,903 $34,903
Nationwide $12,455 $12,455
Progressive $11,878 $12,657
State Farm $28,954 $28,954
Travelers $21,849 $21,849
USAA $6,641 $6,334

Cheapest Novi, MI Car Insurance for Seniors

Take a look at Novi, 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 Novi, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $18,102 $18,102
Farmers $6,396 $6,396
GEICO $6,010 $6,010
Liberty Mutual $14,847 $14,847
Nationwide $4,083 $4,083
Progressive $2,803 $3,138
State Farm $7,576 $7,576
Travelers $6,197 $6,197
USAA $2,484 $2,343

Cheapest Novi, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Novi, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $57,954
Farmers $9,662
GEICO $18,977
Liberty Mutual $31,697
Nationwide $6,795
Progressive $5,458
State Farm $22,518
Travelers $16,797
USAA $4,820

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Cheapest Novi, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Novi, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $26,352 $26,352
Farmers $9,129 $9,129
GEICO $8,184 $8,568
Liberty Mutual $19,257 $20,611
Nationwide $6,549 $6,549
Progressive $5,455 $5,455
State Farm $13,200 $13,931
Travelers $10,716 $10,840
USAA $3,619 $3,702

Cheapest Novi, MI Car Insurance Rates by ZIP Code

Novi car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Novi, MI.

Annual Car Insurance Rates by ZIP Code in Novi, Michigan

ZIP Code Average Annual Rates
48374 $8,132
48375 $8,077
48377 $8,292

The Best Cheap Car Insurance Companies in Novi, MI

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

Average Annual Car Insurance Rates by Company in Novi, Michigan

Insurance Company Average Annual Rates
Allstate $26,352
Farmers $9,129
GEICO $8,376
Liberty Mutual $19,934
Nationwide $6,549
Progressive $5,455
State Farm $13,565
Travelers $10,778
USAA $3,660

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Category Winners: Cheapest Car Insurance in Novi, Michigan

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

Best Annual Car Insurance Rates by Company in Novi, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Novi, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Novi, Michigan

Insurance Company Low Medium High
Allstate $25,814 $26,400 $26,843
Farmers $8,810 $9,098 $9,478
GEICO $7,811 $8,294 $9,023
Liberty Mutual $19,475 $19,890 $20,437
Nationwide $6,832 $6,444 $6,373
Progressive $5,293 $5,462 $5,611
State Farm $12,879 $13,650 $14,167
Travelers $10,660 $10,792 $10,882
USAA $3,539 $3,671 $3,772

What affects car insurance rates in Novi, Michigan?

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

Car Theft in Novi

High levels of vehicle theft can make car insurance more expensive. Novi, MI car theft statistics from the FBI indicate 18 vehicle thefts a year.

Commute Time in Novi

The more time you spend in your car the higher the risk of an accident. The average commute length in Novi, MI is 26.9 minutes according to City-Data.

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Compare Car Insurance Quotes in Novi, MI

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