Compare Spruce, MI Car Insurance Rates (2021)

Car insurance in Spruce, MI averages $763 a month. Spruce, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Spruce car insurance rates, compare quotes from the top car insurance companies in Spruce, 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

  • Average car insurance rates in Spruce, MI are $9,161/year
  • The cheapest car insurance company in Spruce for teen drivers is USAA
  • Average car insurance rates in Spruce, MI after a DUI are $14,937/year

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

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

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

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

How do age, gender, and marital status affect Spruce, MI car insurance rates? Every Spruce, 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 Spruce, 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 $14,130 $14,130 $13,112 $13,112 $35,096 $35,096 $14,887 $14,887
Farmers $4,283 $4,283 $3,999 $3,999 $9,329 $9,329 $4,802 $4,802
GEICO $3,763 $3,763 $3,801 $3,801 $10,378 $10,378 $3,599 $3,599
Liberty Mutual $12,825 $12,825 $12,695 $12,695 $30,474 $30,474 $12,825 $12,825
Nationwide $4,763 $4,763 $4,231 $4,231 $12,415 $12,415 $5,214 $5,214
Progressive $3,229 $3,010 $2,838 $3,177 $11,427 $12,131 $3,764 $3,481
State Farm $6,871 $6,871 $6,336 $6,336 $23,469 $23,469 $8,043 $8,043
Travelers $5,584 $5,584 $4,792 $4,792 $16,861 $16,861 $6,069 $6,069
USAA $2,489 $2,376 $2,338 $2,222 $6,054 $5,798 $3,047 $2,949

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Minimum Car Insurance in Spruce, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Spruce, Michigan

Insurance Company Poor Fair Good
Allstate $29,310 $16,214 $12,394
Farmers $7,421 $4,882 $4,506
GEICO $6,920 $5,091 $4,144
Liberty Mutual $27,202 $15,721 $8,691
Nationwide $8,377 $6,271 $5,320
Progressive $6,240 $5,219 $4,687
State Farm $18,129 $9,176 $6,234
Travelers $8,534 $8,275 $8,170
USAA $5,097 $2,906 $2,224

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

Annual Spruce, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,444 $12,597 $42,001 $13,182
Farmers $4,719 $5,994 $5,921 $5,779
GEICO $1,941 $4,016 $12,049 $3,534
Liberty Mutual $12,177 $14,582 $26,565 $15,494
Nationwide $5,683 $7,605 $6,921 $6,413
Progressive $4,553 $5,986 $5,395 $5,595
State Farm $7,248 $8,616 $18,188 $10,667
Travelers $5,658 $8,053 $12,908 $6,686
USAA $2,747 $3,414 $4,482 $2,993

Cheapest Spruce, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Spruce, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $35,096 $35,096
Farmers $9,329 $9,329
GEICO $10,378 $10,378
Liberty Mutual $30,474 $30,474
Nationwide $12,415 $12,415
Progressive $11,427 $12,131
State Farm $23,469 $23,469
Travelers $16,861 $16,861
USAA $6,054 $5,798

Cheapest Spruce, MI Car Insurance for Seniors

Take a look at Spruce, 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 Spruce, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,112 $13,112
Farmers $3,999 $3,999
GEICO $3,801 $3,801
Liberty Mutual $12,695 $12,695
Nationwide $4,231 $4,231
Progressive $2,838 $3,177
State Farm $6,336 $6,336
Travelers $4,792 $4,792
USAA $2,338 $2,222

Cheapest Spruce, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Spruce, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $42,001
Farmers $5,921
GEICO $12,049
Liberty Mutual $26,565
Nationwide $6,921
Progressive $5,395
State Farm $18,188
Travelers $12,908
USAA $4,482

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Cheapest Spruce, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Spruce, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,306 $19,306
Farmers $5,603 $5,603
GEICO $5,260 $5,510
Liberty Mutual $16,605 $17,805
Nationwide $6,656 $6,656
Progressive $5,382 $5,382
State Farm $10,877 $11,483
Travelers $8,279 $8,375
USAA $3,370 $3,448

The Best Cheap Car Insurance Companies in Spruce, MI

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

Average Annual Car Insurance Rates by Company in Spruce, Michigan

Insurance Company Average Annual Rates
Allstate $19,306
Farmers $5,603
GEICO $5,385
Liberty Mutual $17,205
Nationwide $6,656
Progressive $5,382
State Farm $11,180
Travelers $8,327
USAA $3,409

Category Winners: Cheapest Car Insurance in Spruce, Michigan

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

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

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

Annual Car Insurance Rates by Coverage Level in Spruce, Michigan

Insurance Company Low Medium High
Allstate $18,877 $19,344 $19,697
Farmers $5,462 $5,591 $5,757
GEICO $5,036 $5,338 $5,782
Liberty Mutual $16,782 $17,164 $17,669
Nationwide $6,997 $6,535 $6,435
Progressive $5,216 $5,389 $5,541
State Farm $10,631 $11,247 $11,661
Travelers $8,241 $8,334 $8,405
USAA $3,309 $3,417 $3,502

Compare Car Insurance Quotes in Spruce, MI

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

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