Compare Palmer, MI Car Insurance Rates (2021)

Car insurance in Palmer, MI averages $710 a month. Palmer, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Palmer car insurance rates, compare quotes from the top car insurance companies in Palmer, MI.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

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.

Here's What You Need to Know

  • Average car insurance rates in Palmer, MI are $8,517/year
  • The cheapest car insurance company in Palmer for teen drivers is USAA
  • The cheapest car insurance company in Palmer is USAA

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

You’ll find Palmer car insurance rates, the cheapest Palmer, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Palmer, Michigan car insurance rates to Warren car insurance rates, Livonia car insurance rates, and Detroit car insurance rates.

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

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

How do age, gender, and marital status affect Palmer, MI car insurance rates? Every Palmer, 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 Palmer, 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 $3,561 $3,561 $3,313 $3,313 $8,040 $8,040 $4,000 $4,000
GEICO $3,112 $3,112 $3,166 $3,166 $8,884 $8,884 $2,983 $2,983
Liberty Mutual $12,802 $12,802 $12,673 $12,673 $30,473 $30,473 $12,802 $12,802
Nationwide $3,742 $3,742 $3,325 $3,325 $9,836 $9,836 $4,099 $4,099
Progressive $2,993 $2,788 $2,643 $2,947 $10,876 $11,592 $3,485 $3,230
State Farm $5,658 $5,658 $5,229 $5,229 $19,599 $19,599 $6,640 $6,640
Travelers $5,193 $5,193 $4,461 $4,461 $15,616 $15,616 $5,639 $5,639
USAA $2,528 $2,417 $2,374 $2,258 $6,232 $5,983 $3,105 $3,010

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Palmer, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Palmer, Michigan

Insurance Company Poor Fair Good
Allstate $29,571 $16,285 $12,295
Farmers $6,167 $4,162 $3,857
GEICO $5,820 $4,290 $3,498
Liberty Mutual $27,174 $15,706 $8,682
Nationwide $6,547 $4,963 $4,242
Progressive $5,851 $4,922 $4,435
State Farm $15,025 $7,626 $5,194
Travelers $7,919 $7,680 $7,583
USAA $5,217 $2,972 $2,277

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

Annual Palmer, 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 $3,982 $5,062 $4,991 $4,879
GEICO $1,623 $3,390 $10,164 $2,969
Liberty Mutual $12,187 $14,583 $26,480 $15,500
Nationwide $4,513 $5,964 $5,456 $5,070
Progressive $4,300 $5,641 $5,073 $5,262
State Farm $5,938 $7,101 $15,242 $8,845
Travelers $5,235 $7,468 $12,018 $6,188
USAA $2,808 $3,494 $4,591 $3,061

Cheapest Palmer, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Palmer, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $34,530 $34,530
Farmers $8,040 $8,040
GEICO $8,884 $8,884
Liberty Mutual $30,473 $30,473
Nationwide $9,836 $9,836
Progressive $10,876 $11,592
State Farm $19,599 $19,599
Travelers $15,616 $15,616
USAA $6,232 $5,983

Cheapest Palmer, MI Car Insurance for Seniors

Take a look at Palmer, 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 Palmer, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,431 $13,431
Farmers $3,313 $3,313
GEICO $3,166 $3,166
Liberty Mutual $12,673 $12,673
Nationwide $3,325 $3,325
Progressive $2,643 $2,947
State Farm $5,229 $5,229
Travelers $4,461 $4,461
USAA $2,374 $2,258

Cheapest Palmer, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Palmer, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $41,923
Farmers $4,991
GEICO $10,164
Liberty Mutual $26,480
Nationwide $5,456
Progressive $5,073
State Farm $15,242
Travelers $12,018
USAA $4,591

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Palmer, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Palmer, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,384 $19,384
Farmers $4,729 $4,729
GEICO $4,434 $4,639
Liberty Mutual $16,587 $17,788
Nationwide $5,251 $5,251
Progressive $5,069 $5,069
State Farm $9,041 $9,522
Travelers $7,683 $7,771
USAA $3,449 $3,528

The Best Cheap Car Insurance Companies in Palmer, MI

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

Average Annual Car Insurance Rates by Company in Palmer, Michigan

Insurance Company Average Annual Rates
Allstate $19,384
Farmers $4,729
GEICO $4,536
Liberty Mutual $17,188
Nationwide $5,251
Progressive $5,069
State Farm $9,281
Travelers $7,727
USAA $3,489

Category Winners: Cheapest Car Insurance in Palmer, Michigan

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

Best Annual Car Insurance Rates by Company in Palmer, Michigan

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Palmer, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Palmer, Michigan

Insurance Company Low Medium High
Allstate $18,944 $19,423 $19,784
Farmers $4,613 $4,718 $4,855
GEICO $4,228 $4,495 $4,886
Liberty Mutual $16,785 $17,149 $17,629
Nationwide $5,484 $5,164 $5,104
Progressive $4,921 $5,075 $5,211
State Farm $8,864 $9,333 $9,648
Travelers $7,640 $7,737 $7,805
USAA $3,380 $3,498 $3,588

What affects car insurance rates in Palmer, Michigan?

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

Commute Time in Palmer

The more time you spend in your car the higher the risk of an accident. The average commute length in Palmer, MI is 21.4 minutes according to City-Data.

Traffic in Palmer

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Palmer, MI traffic data from INRIX ranks Palmer as the 387th-most congested in the world.

Compare Car Insurance Quotes in Palmer, MI

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption