Compare Pontiac, MI Car Insurance Rates (2021)

Car insurance in Pontiac, MI averages $1,356 a month. Pontiac, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Pontiac car insurance rates, compare quotes from the top car insurance companies in Pontiac, 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 Pontiac is USAA
  • Average car insurance rates in Pontiac, MI are $16,275/year
  • The cheapest car insurance company in Pontiac for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Pontiac, MI car insurance rates? Every Pontiac, 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 Pontiac, 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 $21,771 $21,771 $20,188 $20,188 $54,891 $54,891 $22,954 $22,954
Farmers $19,460 $19,460 $17,930 $17,930 $41,286 $41,286 $21,893 $21,893
GEICO $5,820 $5,820 $5,914 $5,914 $16,090 $16,090 $5,559 $5,559
Liberty Mutual $24,413 $24,413 $24,173 $24,173 $57,215 $57,215 $24,413 $24,413
Nationwide $6,015 $6,015 $5,313 $5,313 $16,499 $16,499 $6,631 $6,631
Progressive $3,959 $3,669 $3,472 $3,905 $14,451 $15,348 $4,629 $4,253
State Farm $11,474 $11,474 $10,736 $10,736 $41,523 $41,523 $13,503 $13,503
Travelers $7,602 $7,602 $6,521 $6,521 $23,038 $23,038 $8,261 $8,261
USAA $3,270 $3,059 $3,079 $2,875 $8,204 $7,712 $3,981 $3,767

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Minimum Car Insurance in Pontiac, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Pontiac, Michigan

Insurance Company Poor Fair Good
Allstate $45,482 $25,143 $19,228
Farmers $37,569 $19,634 $18,224
GEICO $10,757 $7,884 $6,397
Liberty Mutual $51,591 $29,727 $16,342
Nationwide $10,834 $8,127 $6,883
Progressive $7,787 $6,513 $5,833
State Farm $31,417 $15,819 $10,692
Travelers $11,638 $11,285 $11,143
USAA $6,758 $3,834 $2,887

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

Annual Pontiac, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $14,538 $19,355 $65,503 $20,408
Farmers $21,052 $27,032 $26,571 $25,915
GEICO $2,907 $6,187 $18,877 $5,413
Liberty Mutual $22,362 $27,303 $51,642 $28,906
Nationwide $7,344 $9,864 $8,954 $8,296
Progressive $5,653 $7,487 $6,726 $6,977
State Farm $12,038 $14,567 $32,271 $18,361
Travelers $7,641 $10,963 $17,769 $9,048
USAA $3,596 $4,526 $5,925 $3,925

Cheapest Pontiac, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Pontiac, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $54,891 $54,891
Farmers $41,286 $41,286
GEICO $16,090 $16,090
Liberty Mutual $57,215 $57,215
Nationwide $16,499 $16,499
Progressive $14,451 $15,348
State Farm $41,523 $41,523
Travelers $23,038 $23,038
USAA $8,204 $7,712

Cheapest Pontiac, MI Car Insurance for Seniors

Take a look at Pontiac, 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 Pontiac, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $20,188 $20,188
Farmers $17,930 $17,930
GEICO $5,914 $5,914
Liberty Mutual $24,173 $24,173
Nationwide $5,313 $5,313
Progressive $3,472 $3,905
State Farm $10,736 $10,736
Travelers $6,521 $6,521
USAA $3,079 $2,875

Cheapest Pontiac, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Pontiac, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $65,503
Farmers $26,571
GEICO $18,877
Liberty Mutual $51,642
Nationwide $8,954
Progressive $6,726
State Farm $32,271
Travelers $17,769
USAA $5,925

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Cheapest Pontiac, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Pontiac, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $29,951 $29,951
Farmers $25,142 $25,142
GEICO $8,152 $8,539
Liberty Mutual $31,438 $33,668
Nationwide $8,614 $8,614
Progressive $6,711 $6,711
State Farm $18,762 $19,856
Travelers $11,290 $11,421
USAA $4,441 $4,545

Cheapest Pontiac, MI Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Pontiac, Michigan

ZIP Code Average Annual Rates
48340 $10,943
48341 $11,705
48342 $11,313

The Best Cheap Car Insurance Companies in Pontiac, MI

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

Average Annual Car Insurance Rates by Company in Pontiac, Michigan

Insurance Company Average Annual Rates
Allstate $29,951
Farmers $25,142
GEICO $8,346
Liberty Mutual $32,553
Nationwide $8,614
Progressive $6,711
State Farm $19,309
Travelers $11,355
USAA $4,493

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Category Winners: Cheapest Car Insurance in Pontiac, Michigan

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

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

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

Annual Car Insurance Rates by Coverage Level in Pontiac, Michigan

Insurance Company Low Medium High
Allstate $29,073 $30,032 $30,748
Farmers $24,342 $25,063 $26,022
GEICO $7,911 $8,289 $8,838
Liberty Mutual $31,879 $32,486 $33,295
Nationwide $8,989 $8,476 $8,379
Progressive $6,496 $6,719 $6,917
State Farm $18,198 $19,447 $20,283
Travelers $11,252 $11,368 $11,446
USAA $4,357 $4,505 $4,617

What affects car insurance rates in Pontiac, Michigan?

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

Car Theft in Pontiac

High levels of vehicle theft can make car insurance more expensive. Pontiac, MI car theft statistics from the FBI indicate 95 vehicle thefts a year.

Commute Time in Pontiac

The more time you spend in your car the higher the risk of an accident. The average commute length in Pontiac, MI is 22.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Pontiac, MI

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