Compare Ontonagon, MI Car Insurance Rates (2021)

Car insurance in Ontonagon, MI averages $752 a month. Ontonagon, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Ontonagon car insurance rates, compare quotes from the top car insurance companies in Ontonagon, 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 Ontonagon for teen drivers is USAA
  • The cheapest car insurance company in Ontonagon is USAA
  • Average car insurance rates in Ontonagon, MI are $9,019/year

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

You’ll find Ontonagon car insurance rates, the cheapest Ontonagon, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Ontonagon, Michigan car insurance rates to Sterling Heights car insurance rates, Dearborn car insurance rates, and Warren car insurance rates.

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

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

How do age, gender, and marital status affect Ontonagon, MI car insurance rates? Every Ontonagon, 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 Ontonagon, 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 $14,412 $14,412 $13,431 $13,431 $34,530 $34,530 $15,163 $15,163
Farmers $3,472 $3,472 $3,232 $3,232 $7,918 $7,918 $3,900 $3,900
GEICO $3,306 $3,306 $3,336 $3,336 $9,214 $9,214 $3,167 $3,167
Liberty Mutual $14,273 $14,273 $14,122 $14,122 $34,830 $34,830 $14,273 $14,273
Nationwide $3,914 $3,914 $3,470 $3,470 $10,415 $10,415 $4,294 $4,294
Progressive $2,651 $2,505 $2,340 $2,576 $9,488 $10,208 $3,094 $2,938
State Farm $7,155 $7,155 $6,647 $6,647 $25,074 $25,074 $8,393 $8,393
Travelers $5,193 $5,193 $4,461 $4,461 $15,616 $15,616 $5,639 $5,639
USAA $2,543 $2,430 $2,386 $2,269 $6,190 $5,934 $3,116 $3,019

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Minimum Car Insurance in Ontonagon, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Ontonagon, Michigan

Insurance Company Poor Fair Good
Allstate $29,571 $16,285 $12,295
Farmers $6,016 $4,085 $3,790
GEICO $6,105 $4,497 $3,665
Liberty Mutual $30,651 $17,702 $9,771
Nationwide $6,887 $5,221 $4,462
Progressive $5,151 $4,342 $3,933
State Farm $19,173 $9,697 $6,582
Travelers $7,919 $7,680 $7,583
USAA $5,218 $2,969 $2,271

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

Annual Ontonagon, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,561 $12,794 $41,923 $13,257
Farmers $3,897 $4,960 $4,887 $4,778
GEICO $1,729 $3,553 $10,612 $3,130
Liberty Mutual $14,203 $16,625 $28,910 $17,761
Nationwide $4,747 $6,271 $5,741 $5,335
Progressive $3,822 $4,958 $4,473 $4,648
State Farm $7,525 $9,018 $19,469 $11,258
Travelers $5,235 $7,468 $12,018 $6,188
USAA $2,808 $3,490 $4,584 $3,061

Cheapest Ontonagon, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ontonagon, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $34,530 $34,530
Farmers $7,918 $7,918
GEICO $9,214 $9,214
Liberty Mutual $34,830 $34,830
Nationwide $10,415 $10,415
Progressive $9,488 $10,208
State Farm $25,074 $25,074
Travelers $15,616 $15,616
USAA $6,190 $5,934

Cheapest Ontonagon, MI Car Insurance for Seniors

Take a look at Ontonagon, 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 Ontonagon, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,431 $13,431
Farmers $3,232 $3,232
GEICO $3,336 $3,336
Liberty Mutual $14,122 $14,122
Nationwide $3,470 $3,470
Progressive $2,340 $2,576
State Farm $6,647 $6,647
Travelers $4,461 $4,461
USAA $2,386 $2,269

Cheapest Ontonagon, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ontonagon, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $41,923
Farmers $4,887
GEICO $10,612
Liberty Mutual $28,910
Nationwide $5,741
Progressive $4,473
State Farm $19,469
Travelers $12,018
USAA $4,584

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Cheapest Ontonagon, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ontonagon, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,384 $19,384
Farmers $4,631 $4,631
GEICO $4,645 $4,866
Liberty Mutual $18,676 $20,073
Nationwide $5,523 $5,523
Progressive $4,475 $4,475
State Farm $11,492 $12,143
Travelers $7,683 $7,771
USAA $3,446 $3,526

The Best Cheap Car Insurance Companies in Ontonagon, MI

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

Average Annual Car Insurance Rates by Company in Ontonagon, Michigan

Insurance Company Average Annual Rates
Allstate $19,384
Farmers $4,631
GEICO $4,756
Liberty Mutual $19,375
Nationwide $5,523
Progressive $4,475
State Farm $11,817
Travelers $7,727
USAA $3,486

Category Winners: Cheapest Car Insurance in Ontonagon, Michigan

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

Best Annual Car Insurance Rates by Company in Ontonagon, Michigan

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

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Cheapest Ontonagon, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Ontonagon, Michigan

Insurance Company Low Medium High
Allstate $18,944 $19,423 $19,784
Farmers $4,516 $4,621 $4,755
GEICO $4,442 $4,714 $5,112
Liberty Mutual $18,941 $19,332 $19,850
Nationwide $5,773 $5,431 $5,366
Progressive $4,352 $4,481 $4,592
State Farm $11,193 $11,895 $12,365
Travelers $7,640 $7,737 $7,805
USAA $3,391 $3,494 $3,573

What affects car insurance rates in Ontonagon, Michigan?

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

Commute Time in Ontonagon

The more time you spend in your car the higher the risk of an accident. The average commute length in Ontonagon, MI is 21.1 minutes according to City-Data.

Compare Car Insurance Quotes in Ontonagon, MI

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

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