Compare St. Johns, MI Car Insurance Rates (2021)

Car insurance in St. Johns, MI averages $716 a month. St. Johns, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap St. Johns car insurance rates, compare quotes from the top car insurance companies in St. Johns, 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 St. Johns, MI after a DUI are $14,030/year
  • The cheapest car insurance company in St. Johns for teen drivers is USAA
  • Average car insurance rates in St. Johns, MI are $8,593/year

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

You’ll find St. Johns car insurance rates, the cheapest St. Johns, MI car insurance companies, and information on Michigan car insurance laws. You can also compare St. Johns, Michigan car insurance rates to Detroit car insurance rates, Troy car insurance rates, and Dearborn car insurance rates.

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

Cheapest St. Johns, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect St. Johns, MI car insurance rates? Every St. Johns, 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 St. Johns, 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 $12,464 $12,464 $11,487 $11,487 $32,198 $32,198 $13,157 $13,157
Farmers $3,736 $3,736 $3,477 $3,477 $8,527 $8,527 $4,196 $4,196
GEICO $3,629 $3,629 $3,709 $3,709 $10,373 $10,373 $3,473 $3,473
Liberty Mutual $14,499 $14,499 $14,355 $14,355 $34,357 $34,357 $14,499 $14,499
Nationwide $4,455 $4,455 $3,952 $3,952 $11,888 $11,888 $4,891 $4,891
Progressive $2,583 $2,421 $2,288 $2,534 $9,186 $9,809 $3,001 $2,805
State Farm $5,808 $5,808 $5,371 $5,371 $19,944 $19,944 $6,801 $6,801
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,571 $2,444 $2,416 $2,285 $6,381 $6,097 $3,148 $3,034

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Minimum Car Insurance in St. Johns, MI

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

Minimum Required Car Insurance Coverage in St. Johns, 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 St. Johns, MI Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in St. Johns, Michigan

Insurance Company Poor Fair Good
Allstate $26,102 $14,530 $11,348
Farmers $6,517 $4,380 $4,056
GEICO $6,805 $5,007 $4,076
Liberty Mutual $30,734 $17,750 $9,799
Nationwide $7,885 $5,946 $5,058
Progressive $4,987 $4,202 $3,796
State Farm $15,350 $7,789 $5,304
Travelers $6,813 $6,608 $6,525
USAA $5,308 $3,024 $2,310

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

Annual St. Johns, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,550 $11,333 $37,534 $11,889
Farmers $4,197 $5,339 $5,266 $5,135
GEICO $1,858 $3,947 $11,937 $3,442
Liberty Mutual $13,662 $16,428 $30,178 $17,443
Nationwide $5,390 $7,183 $6,542 $6,071
Progressive $3,688 $4,801 $4,333 $4,491
State Farm $6,115 $7,285 $15,482 $9,042
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,853 $3,560 $4,664 $3,111

Cheapest St. Johns, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in St. Johns, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $32,198 $32,198
Farmers $8,527 $8,527
GEICO $10,373 $10,373
Liberty Mutual $34,357 $34,357
Nationwide $11,888 $11,888
Progressive $9,186 $9,809
State Farm $19,944 $19,944
Travelers $13,395 $13,395
USAA $6,381 $6,097

Cheapest St. Johns, MI Car Insurance for Seniors

Take a look at St. Johns, 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 St. Johns, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $11,487 $11,487
Farmers $3,477 $3,477
GEICO $3,709 $3,709
Liberty Mutual $14,355 $14,355
Nationwide $3,952 $3,952
Progressive $2,288 $2,534
State Farm $5,371 $5,371
Travelers $3,858 $3,858
USAA $2,416 $2,285

Cheapest St. Johns, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in St. Johns, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $37,534
Farmers $5,266
GEICO $11,937
Liberty Mutual $30,178
Nationwide $6,542
Progressive $4,333
State Farm $15,482
Travelers $10,331
USAA $4,664

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Cheapest St. Johns, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in St. Johns, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $17,326 $17,326
Farmers $4,984 $4,984
GEICO $5,177 $5,415
Liberty Mutual $18,753 $20,103
Nationwide $6,296 $6,296
Progressive $4,328 $4,328
State Farm $9,226 $9,736
Travelers $6,611 $6,686
USAA $3,507 $3,587

The Best Cheap Car Insurance Companies in St. Johns, MI

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

Average Annual Car Insurance Rates by Company in St. Johns, Michigan

Insurance Company Average Annual Rates
Allstate $17,326
Farmers $4,984
GEICO $5,296
Liberty Mutual $19,428
Nationwide $6,296
Progressive $4,328
State Farm $9,481
Travelers $6,649
USAA $3,547

Category Winners: Cheapest Car Insurance in St. Johns, Michigan

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

Best Annual Car Insurance Rates by Company in St. Johns, Michigan

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

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Cheapest St. Johns, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in St. Johns, Michigan

Insurance Company Low Medium High
Allstate $16,857 $17,368 $17,754
Farmers $4,834 $4,969 $5,149
GEICO $4,948 $5,249 $5,692
Liberty Mutual $18,989 $19,385 $19,909
Nationwide $6,594 $6,188 $6,107
Progressive $4,194 $4,335 $4,457
State Farm $9,014 $9,538 $9,890
Travelers $6,575 $6,656 $6,715
USAA $3,447 $3,555 $3,639

What affects car insurance rates in St. Johns, Michigan?

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

Car Theft in St. Johns

High levels of vehicle theft can make car insurance more expensive. St. Johns, MI car theft statistics from the FBI indicate 1 vehicle thefts a year.

Commute Time in St. Johns

The more time you spend in your car the higher the risk of an accident. The average commute length in St. Johns, MI is 24.9 minutes according to City-Data.

Compare Car Insurance Quotes in St. Johns, MI

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

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