Compare Spalding, MI Car Insurance Rates (2021)

Car insurance in Spalding, MI averages $771 a month. Spalding, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Spalding car insurance rates, compare quotes from the top car insurance companies in Spalding, 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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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Spalding, MI after a DUI are $15,027/year
  • The cheapest car insurance company in Spalding is USAA
  • The cheapest car insurance company in Spalding for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Spalding, MI car insurance rates? Every Spalding, 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 Spalding, 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 $3,964 $3,964 $3,698 $3,698 $8,797 $8,797 $4,444 $4,444
GEICO $3,700 $3,700 $3,732 $3,732 $10,212 $10,212 $3,541 $3,541
Liberty Mutual $14,273 $14,273 $14,122 $14,122 $34,830 $34,830 $14,273 $14,273
Nationwide $4,060 $4,060 $3,603 $3,603 $10,595 $10,595 $4,443 $4,443
Progressive $3,074 $2,891 $2,699 $2,999 $10,857 $11,602 $3,592 $3,374
State Farm $7,325 $7,325 $6,757 $6,757 $25,031 $25,031 $8,573 $8,573
Travelers $5,193 $5,193 $4,461 $4,461 $15,616 $15,616 $5,639 $5,639
USAA $2,587 $2,452 $2,431 $2,299 $6,217 $5,902 $3,146 $3,020

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Minimum Car Insurance in Spalding, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Spalding, Michigan

Insurance Company Poor Fair Good
Allstate $29,571 $16,285 $12,295
Farmers $6,874 $4,574 $4,230
GEICO $6,805 $5,007 $4,077
Liberty Mutual $30,651 $17,702 $9,771
Nationwide $7,102 $5,356 $4,568
Progressive $5,944 $4,978 $4,486
State Farm $19,344 $9,782 $6,640
Travelers $7,919 $7,680 $7,583
USAA $5,248 $2,994 $2,279

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

Annual Spalding, 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 $4,402 $5,594 $5,521 $5,387
GEICO $1,916 $3,950 $11,839 $3,480
Liberty Mutual $14,203 $16,625 $28,910 $17,761
Nationwide $4,869 $6,449 $5,903 $5,479
Progressive $4,362 $5,699 $5,141 $5,342
State Farm $7,735 $9,191 $19,386 $11,376
Travelers $5,235 $7,468 $12,018 $6,188
USAA $2,825 $3,517 $4,608 $3,078

Cheapest Spalding, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Spalding, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $34,530 $34,530
Farmers $8,797 $8,797
GEICO $10,212 $10,212
Liberty Mutual $34,830 $34,830
Nationwide $10,595 $10,595
Progressive $10,857 $11,602
State Farm $25,031 $25,031
Travelers $15,616 $15,616
USAA $6,217 $5,902

Cheapest Spalding, MI Car Insurance for Seniors

Take a look at Spalding, 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 Spalding, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,431 $13,431
Farmers $3,698 $3,698
GEICO $3,732 $3,732
Liberty Mutual $14,122 $14,122
Nationwide $3,603 $3,603
Progressive $2,699 $2,999
State Farm $6,757 $6,757
Travelers $4,461 $4,461
USAA $2,431 $2,299

Cheapest Spalding, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Spalding, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $41,923
Farmers $5,521
GEICO $11,839
Liberty Mutual $28,910
Nationwide $5,903
Progressive $5,141
State Farm $19,386
Travelers $12,018
USAA $4,608

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Cheapest Spalding, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Spalding, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,384 $19,384
Farmers $5,226 $5,226
GEICO $5,172 $5,420
Liberty Mutual $18,676 $20,073
Nationwide $5,675 $5,675
Progressive $5,136 $5,136
State Farm $11,595 $12,249
Travelers $7,683 $7,771
USAA $3,466 $3,547

The Best Cheap Car Insurance Companies in Spalding, MI

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

Average Annual Car Insurance Rates by Company in Spalding, Michigan

Insurance Company Average Annual Rates
Allstate $19,384
Farmers $5,226
GEICO $5,296
Liberty Mutual $19,375
Nationwide $5,675
Progressive $5,136
State Farm $11,922
Travelers $7,727
USAA $3,507

Category Winners: Cheapest Car Insurance in Spalding, Michigan

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

Best Annual Car Insurance Rates by Company in Spalding, Michigan

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

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Cheapest Spalding, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Spalding, Michigan

Insurance Company Low Medium High
Allstate $18,944 $19,423 $19,784
Farmers $5,081 $5,213 $5,383
GEICO $4,962 $5,251 $5,676
Liberty Mutual $18,941 $19,332 $19,850
Nationwide $5,945 $5,577 $5,504
Progressive $4,995 $5,142 $5,271
State Farm $11,320 $11,996 $12,449
Travelers $7,640 $7,737 $7,805
USAA $3,410 $3,515 $3,596

Compare Car Insurance Quotes in Spalding, MI

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

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