Compare Saginaw, MI Car Insurance Rates (2021)

Car insurance in Saginaw, MI averages $894 a month. Saginaw, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Saginaw car insurance rates, compare quotes from the top car insurance companies in Saginaw, 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 Saginaw for teen drivers is USAA
  • Average car insurance rates in Saginaw, MI are $10,733/year
  • Average car insurance rates in Saginaw, MI after a DUI are $17,398/year

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

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

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

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

How do age, gender, and marital status affect Saginaw, MI car insurance rates? Every Saginaw, 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 Saginaw, 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 $15,257 $15,257 $14,164 $14,164 $37,967 $37,967 $16,076 $16,076
Farmers $9,230 $9,230 $8,570 $8,570 $20,123 $20,123 $10,436 $10,436
GEICO $3,658 $3,658 $3,751 $3,751 $10,332 $10,332 $3,498 $3,498
Liberty Mutual $13,903 $13,903 $13,769 $13,769 $32,287 $32,287 $13,903 $13,903
Nationwide $4,395 $4,395 $3,913 $3,913 $11,679 $11,679 $4,824 $4,824
Progressive $3,004 $2,776 $2,660 $2,977 $11,152 $11,864 $3,488 $3,199
State Farm $9,395 $9,395 $8,782 $8,782 $33,889 $33,889 $11,057 $11,057
Travelers $6,002 $6,002 $5,154 $5,154 $18,106 $18,106 $6,521 $6,521
USAA $2,778 $2,618 $2,615 $2,459 $6,839 $6,468 $3,381 $3,225

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Minimum Car Insurance in Saginaw, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Saginaw, Michigan

Insurance Company Poor Fair Good
Allstate $31,665 $17,528 $13,406
Farmers $17,896 $9,546 $8,828
GEICO $6,822 $5,020 $4,087
Liberty Mutual $29,198 $16,872 $9,326
Nationwide $7,774 $5,859 $4,975
Progressive $5,923 $4,996 $4,501
State Farm $25,651 $12,935 $8,756
Travelers $9,168 $8,891 $8,778
USAA $5,689 $3,244 $2,461

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

Annual Saginaw, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,160 $13,571 $45,513 $14,221
Farmers $10,077 $13,005 $12,802 $12,475
GEICO $1,854 $3,955 $11,987 $3,442
Liberty Mutual $12,627 $15,471 $29,407 $16,357
Nationwide $5,302 $7,103 $6,434 $5,971
Progressive $4,355 $5,733 $5,143 $5,328
State Farm $9,849 $11,912 $26,355 $15,007
Travelers $6,047 $8,643 $13,939 $7,153
USAA $3,051 $3,817 $4,998 $3,326

Cheapest Saginaw, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Saginaw, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $37,967 $37,967
Farmers $20,123 $20,123
GEICO $10,332 $10,332
Liberty Mutual $32,287 $32,287
Nationwide $11,679 $11,679
Progressive $11,152 $11,864
State Farm $33,889 $33,889
Travelers $18,106 $18,106
USAA $6,839 $6,468

Cheapest Saginaw, MI Car Insurance for Seniors

Take a look at Saginaw, 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 Saginaw, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $14,164 $14,164
Farmers $8,570 $8,570
GEICO $3,751 $3,751
Liberty Mutual $13,769 $13,769
Nationwide $3,913 $3,913
Progressive $2,660 $2,977
State Farm $8,782 $8,782
Travelers $5,154 $5,154
USAA $2,615 $2,459

Cheapest Saginaw, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Saginaw, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $45,513
Farmers $12,802
GEICO $11,987
Liberty Mutual $29,407
Nationwide $6,434
Progressive $5,143
State Farm $26,355
Travelers $13,939
USAA $4,998

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Cheapest Saginaw, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Saginaw, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $20,866 $20,866
Farmers $12,090 $12,090
GEICO $5,191 $5,428
Liberty Mutual $17,841 $19,090
Nationwide $6,203 $6,203
Progressive $5,140 $5,140
State Farm $15,341 $16,220
Travelers $8,894 $8,997
USAA $3,754 $3,842

Cheapest Saginaw, MI Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Saginaw, Michigan

ZIP Code Average Annual Rates
48602 $7,927
48604 $6,646
48607 $8,604
48609 $7,020
48603 $6,378
48638 $6,512

The Best Cheap Car Insurance Companies in Saginaw, MI

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

Average Annual Car Insurance Rates by Company in Saginaw, Michigan

Insurance Company Average Annual Rates
Allstate $20,866
Farmers $12,090
GEICO $5,310
Liberty Mutual $18,466
Nationwide $6,203
Progressive $5,140
State Farm $15,781
Travelers $8,946
USAA $3,798

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Category Winners: Cheapest Car Insurance in Saginaw, Michigan

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

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

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

Annual Car Insurance Rates by Coverage Level in Saginaw, Michigan

Insurance Company Low Medium High
Allstate $20,343 $20,913 $21,343
Farmers $11,728 $12,057 $12,485
GEICO $4,986 $5,266 $5,677
Liberty Mutual $18,030 $18,422 $18,944
Nationwide $6,495 $6,097 $6,016
Progressive $4,984 $5,146 $5,291
State Farm $14,907 $15,889 $16,546
Travelers $8,851 $8,958 $9,028
USAA $3,683 $3,808 $3,904

What affects car insurance rates in Saginaw, Michigan?

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

Car Theft in Saginaw

High levels of vehicle theft can make car insurance more expensive. Saginaw, MI car theft statistics from the FBI indicate 90 vehicle thefts a year.

Commute Time in Saginaw

The more time you spend in your car the higher the risk of an accident. The average commute length in Saginaw, MI is 18.7 minutes according to City-Data.

Traffic in Saginaw

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Saginaw, MI traffic data from INRIX ranks Saginaw as the 939th-most congested in the world.

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Compare Car Insurance Quotes in Saginaw, MI

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