Compare Sturgis, MI Car Insurance Rates (2021)

Car insurance in Sturgis, MI averages $732 a month. Sturgis, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Sturgis car insurance rates, compare quotes from the top car insurance companies in Sturgis, 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 Sturgis, MI are $8,781/year
  • The cheapest car insurance company in Sturgis for teen drivers is USAA
  • Average car insurance rates in Sturgis, MI after a DUI are $14,554/year

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

You’ll find Sturgis car insurance rates, the cheapest Sturgis, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Sturgis, Michigan car insurance rates to Sterling Heights car insurance rates, Dearborn car insurance rates, and Grand Rapids car insurance rates.

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

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

How do age, gender, and marital status affect Sturgis, MI car insurance rates? Every Sturgis, 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 Sturgis, 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 $14,526 $14,526 $13,485 $13,485 $35,817 $35,817 $15,301 $15,301
Farmers $4,147 $4,147 $3,868 $3,868 $9,402 $9,402 $4,668 $4,668
GEICO $3,873 $3,873 $3,959 $3,959 $11,021 $11,021 $3,705 $3,705
Liberty Mutual $13,638 $13,638 $13,501 $13,501 $32,257 $32,257 $13,638 $13,638
Nationwide $3,679 $3,679 $3,265 $3,265 $10,036 $10,036 $4,050 $4,050
Progressive $2,710 $2,529 $2,402 $2,666 $9,790 $10,447 $3,150 $2,928
State Farm $6,144 $6,144 $5,677 $5,677 $21,200 $21,200 $7,203 $7,203
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,426 $2,299 $2,282 $2,159 $5,814 $5,518 $2,945 $2,826

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Minimum Car Insurance in Sturgis, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Sturgis, Michigan

Insurance Company Poor Fair Good
Allstate $30,044 $16,613 $12,690
Farmers $7,264 $4,834 $4,465
GEICO $7,250 $5,331 $4,338
Liberty Mutual $28,872 $16,683 $9,220
Nationwide $6,523 $4,984 $4,265
Progressive $5,273 $4,446 $4,015
State Farm $16,291 $8,259 $5,619
Travelers $6,813 $6,608 $6,525
USAA $4,900 $2,808 $2,143

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

Annual Sturgis, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,727 $12,981 $42,893 $13,528
Farmers $4,636 $5,914 $5,836 $5,698
GEICO $1,973 $4,200 $12,723 $3,661
Liberty Mutual $12,830 $15,436 $28,384 $16,383
Nationwide $4,525 $5,977 $5,452 $5,075
Progressive $3,890 $5,087 $4,588 $4,746
State Farm $6,461 $7,711 $16,465 $9,587
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,648 $3,294 $4,310 $2,883

Cheapest Sturgis, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Sturgis, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $35,817 $35,817
Farmers $9,402 $9,402
GEICO $11,021 $11,021
Liberty Mutual $32,257 $32,257
Nationwide $10,036 $10,036
Progressive $9,790 $10,447
State Farm $21,200 $21,200
Travelers $13,395 $13,395
USAA $5,814 $5,518

Cheapest Sturgis, MI Car Insurance for Seniors

Take a look at Sturgis, 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 Sturgis, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,485 $13,485
Farmers $3,868 $3,868
GEICO $3,959 $3,959
Liberty Mutual $13,501 $13,501
Nationwide $3,265 $3,265
Progressive $2,402 $2,666
State Farm $5,677 $5,677
Travelers $3,858 $3,858
USAA $2,282 $2,159

Cheapest Sturgis, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Sturgis, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $42,893
Farmers $5,836
GEICO $12,723
Liberty Mutual $28,384
Nationwide $5,452
Progressive $4,588
State Farm $16,465
Travelers $10,331
USAA $4,310

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Cheapest Sturgis, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Sturgis, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,782 $19,782
Farmers $5,521 $5,521
GEICO $5,512 $5,767
Liberty Mutual $17,626 $18,891
Nationwide $5,257 $5,257
Progressive $4,578 $4,578
State Farm $9,790 $10,323
Travelers $6,611 $6,686
USAA $3,246 $3,321

The Best Cheap Car Insurance Companies in Sturgis, MI

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

Average Annual Car Insurance Rates by Company in Sturgis, Michigan

Insurance Company Average Annual Rates
Allstate $19,782
Farmers $5,521
GEICO $5,639
Liberty Mutual $18,258
Nationwide $5,257
Progressive $4,578
State Farm $10,056
Travelers $6,649
USAA $3,284

Category Winners: Cheapest Car Insurance in Sturgis, Michigan

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

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

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

Annual Car Insurance Rates by Coverage Level in Sturgis, Michigan

Insurance Company Low Medium High
Allstate $19,318 $19,823 $20,205
Farmers $5,377 $5,508 $5,679
GEICO $5,261 $5,588 $6,070
Liberty Mutual $17,781 $18,212 $18,782
Nationwide $5,464 $5,177 $5,131
Progressive $4,409 $4,586 $4,737
State Farm $9,581 $10,115 $10,473
Travelers $6,575 $6,656 $6,715
USAA $3,187 $3,291 $3,373

What affects car insurance rates in Sturgis, Michigan?

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

Car Theft in Sturgis

High levels of vehicle theft can make car insurance more expensive. Sturgis, MI car theft statistics from the FBI indicate 20 vehicle thefts a year.

Commute Time in Sturgis

The more time you spend in your car the higher the risk of an accident. The average commute length in Sturgis, MI is 16.9 minutes according to City-Data.

Compare Car Insurance Quotes in Sturgis, MI

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