Compare Three Oaks, MI Car Insurance Rates (2021)

Car insurance in Three Oaks, MI averages $729 a month. Three Oaks, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Three Oaks car insurance rates, compare quotes from the top car insurance companies in Three Oaks, 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 Three Oaks for teen drivers is USAA
  • Average car insurance rates in Three Oaks, MI are $8,754/year
  • The cheapest car insurance company in Three Oaks is USAA

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

You’ll find Three Oaks car insurance rates, the cheapest Three Oaks, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Three Oaks, Michigan car insurance rates to Sterling Heights car insurance rates, Detroit car insurance rates, and Flint car insurance rates.

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

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

How do age, gender, and marital status affect Three Oaks, MI car insurance rates? Every Three Oaks, 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 Three Oaks, 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 $14,600 $14,600 $13,590 $13,590 $36,020 $36,020 $15,375 $15,375
Farmers $3,608 $3,608 $3,367 $3,367 $8,090 $8,090 $4,060 $4,060
GEICO $3,306 $3,306 $3,398 $3,398 $9,596 $9,596 $3,165 $3,165
Liberty Mutual $12,179 $12,179 $12,062 $12,062 $28,240 $28,240 $12,179 $12,179
Nationwide $4,901 $4,901 $4,360 $4,360 $13,163 $13,163 $5,390 $5,390
Progressive $2,585 $2,410 $2,296 $2,548 $9,443 $10,083 $3,000 $2,788
State Farm $6,847 $6,847 $6,369 $6,369 $24,240 $24,240 $8,046 $8,046
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,721 $2,559 $2,563 $2,408 $6,659 $6,279 $3,302 $3,142

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Minimum Car Insurance in Three Oaks, MI

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

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

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

Annual Car Insurance Rates by Credit Score in Three Oaks, Michigan

Insurance Company Poor Fair Good
Allstate $30,165 $16,740 $12,783
Farmers $6,290 $4,187 $3,867
GEICO $6,248 $4,601 $3,749
Liberty Mutual $25,550 $14,772 $8,173
Nationwide $8,730 $6,567 $5,565
Progressive $5,052 $4,270 $3,860
State Farm $18,451 $9,336 $6,341
Travelers $6,813 $6,608 $6,525
USAA $5,540 $3,168 $2,404

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

Annual Three Oaks, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,604 $12,880 $43,593 $13,507
Farmers $4,018 $5,118 $5,051 $4,937
GEICO $1,696 $3,632 $10,981 $3,155
Liberty Mutual $11,060 $13,540 $25,747 $14,313
Nationwide $5,932 $7,980 $7,214 $6,689
Progressive $3,743 $4,885 $4,395 $4,554
State Farm $7,180 $8,639 $18,855 $10,828
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,977 $3,723 $4,873 $3,244

Cheapest Three Oaks, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Three Oaks, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,020 $36,020
Farmers $8,090 $8,090
GEICO $9,596 $9,596
Liberty Mutual $28,240 $28,240
Nationwide $13,163 $13,163
Progressive $9,443 $10,083
State Farm $24,240 $24,240
Travelers $13,395 $13,395
USAA $6,659 $6,279

Cheapest Three Oaks, MI Car Insurance for Seniors

Take a look at Three Oaks, 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 Three Oaks, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,590 $13,590
Farmers $3,367 $3,367
GEICO $3,398 $3,398
Liberty Mutual $12,062 $12,062
Nationwide $4,360 $4,360
Progressive $2,296 $2,548
State Farm $6,369 $6,369
Travelers $3,858 $3,858
USAA $2,563 $2,408

Cheapest Three Oaks, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Three Oaks, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $43,593
Farmers $5,051
GEICO $10,981
Liberty Mutual $25,747
Nationwide $7,214
Progressive $4,395
State Farm $18,855
Travelers $10,331
USAA $4,873

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Cheapest Three Oaks, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Three Oaks, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,896 $19,896
Farmers $4,781 $4,781
GEICO $4,758 $4,974
Liberty Mutual $15,619 $16,711
Nationwide $6,954 $6,954
Progressive $4,394 $4,394
State Farm $11,069 $11,683
Travelers $6,611 $6,686
USAA $3,662 $3,747

The Best Cheap Car Insurance Companies in Three Oaks, MI

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

Average Annual Car Insurance Rates by Company in Three Oaks, Michigan

Insurance Company Average Annual Rates
Allstate $19,896
Farmers $4,781
GEICO $4,866
Liberty Mutual $16,165
Nationwide $6,954
Progressive $4,394
State Farm $11,376
Travelers $6,649
USAA $3,704

Category Winners: Cheapest Car Insurance in Three Oaks, Michigan

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

Best Annual Car Insurance Rates by Company in Three Oaks, Michigan

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

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Cheapest Three Oaks, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Three Oaks, Michigan

Insurance Company Low Medium High
Allstate $19,285 $19,950 $20,453
Farmers $4,677 $4,772 $4,894
GEICO $4,510 $4,818 $5,270
Liberty Mutual $15,685 $16,118 $16,693
Nationwide $7,234 $6,848 $6,779
Progressive $4,267 $4,400 $4,516
State Farm $10,799 $11,447 $11,882
Travelers $6,575 $6,656 $6,715
USAA $3,584 $3,715 $3,814

What affects car insurance rates in Three Oaks, Michigan?

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

Commute Time in Three Oaks

The more time you spend in your car the higher the risk of an accident. The average commute length in Three Oaks, MI is 23.8 minutes according to City-Data.

Compare Car Insurance Quotes in Three Oaks, MI

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

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