Compare White Cloud, MI Car Insurance Rates (2021)

Car insurance in White Cloud, MI averages $792 a month. White Cloud, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap White Cloud car insurance rates, compare quotes from the top car insurance companies in White Cloud, 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 White Cloud for teen drivers is USAA
  • Average car insurance rates in White Cloud, MI are $9,499/year
  • The cheapest car insurance company in White Cloud is USAA

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

You’ll find White Cloud car insurance rates, the cheapest White Cloud, MI car insurance companies, and information on Michigan car insurance laws. You can also compare White Cloud, Michigan car insurance rates to Grand Rapids car insurance rates, Flint car insurance rates, and Lansing car insurance rates.

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

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

How do age, gender, and marital status affect White Cloud, MI car insurance rates? Every White Cloud, 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 White Cloud, 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 $14,681 $14,681 $13,611 $13,611 $36,902 $36,902 $15,474 $15,474
Farmers $4,443 $4,443 $4,146 $4,146 $9,734 $9,734 $4,988 $4,988
GEICO $3,971 $3,971 $4,019 $4,019 $10,815 $10,815 $3,794 $3,794
Liberty Mutual $14,956 $14,956 $14,804 $14,804 $35,785 $35,785 $14,956 $14,956
Nationwide $5,025 $5,025 $4,440 $4,440 $13,754 $13,754 $5,535 $5,535
Progressive $3,115 $2,917 $2,745 $3,046 $11,389 $12,206 $3,640 $3,410
State Farm $6,739 $6,739 $6,214 $6,214 $23,212 $23,212 $7,904 $7,904
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,602 $2,477 $2,443 $2,317 $6,339 $6,054 $3,182 $3,071

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Minimum Car Insurance in White Cloud, MI

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

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

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

Annual Car Insurance Rates by Credit Score in White Cloud, Michigan

Insurance Company Poor Fair Good
Allstate $30,569 $16,939 $12,993
Farmers $7,725 $5,077 $4,682
GEICO $7,263 $5,341 $4,346
Liberty Mutual $31,844 $18,386 $10,145
Nationwide $9,004 $6,790 $5,771
Progressive $6,122 $5,152 $4,652
State Farm $17,863 $9,044 $6,145
Travelers $6,813 $6,608 $6,525
USAA $5,333 $3,035 $2,314

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

Annual White Cloud, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,787 $13,067 $44,083 $13,732
Farmers $4,904 $6,235 $6,159 $6,014
GEICO $2,028 $4,210 $12,663 $3,699
Liberty Mutual $14,339 $17,098 $30,874 $18,190
Nationwide $6,149 $8,203 $7,471 $6,931
Progressive $4,507 $5,903 $5,311 $5,513
State Farm $7,090 $8,456 $18,018 $10,505
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,867 $3,569 $4,682 $3,125

Cheapest White Cloud, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in White Cloud, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,902 $36,902
Farmers $9,734 $9,734
GEICO $10,815 $10,815
Liberty Mutual $35,785 $35,785
Nationwide $13,754 $13,754
Progressive $11,389 $12,206
State Farm $23,212 $23,212
Travelers $13,395 $13,395
USAA $6,339 $6,054

Cheapest White Cloud, MI Car Insurance for Seniors

Take a look at White Cloud, 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 White Cloud, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,611 $13,611
Farmers $4,146 $4,146
GEICO $4,019 $4,019
Liberty Mutual $14,804 $14,804
Nationwide $4,440 $4,440
Progressive $2,745 $3,046
State Farm $6,214 $6,214
Travelers $3,858 $3,858
USAA $2,443 $2,317

Cheapest White Cloud, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in White Cloud, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $44,083
Farmers $6,159
GEICO $12,663
Liberty Mutual $30,874
Nationwide $7,471
Progressive $5,311
State Farm $18,018
Travelers $10,331
USAA $4,682

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Cheapest White Cloud, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in White Cloud, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $20,167 $20,167
Farmers $5,828 $5,828
GEICO $5,519 $5,781
Liberty Mutual $19,417 $20,833
Nationwide $7,189 $7,189
Progressive $5,309 $5,309
State Farm $10,727 $11,308
Travelers $6,611 $6,686
USAA $3,520 $3,601

The Best Cheap Car Insurance Companies in White Cloud, MI

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

Average Annual Car Insurance Rates by Company in White Cloud, Michigan

Insurance Company Average Annual Rates
Allstate $20,167
Farmers $5,828
GEICO $5,650
Liberty Mutual $20,125
Nationwide $7,189
Progressive $5,309
State Farm $11,017
Travelers $6,649
USAA $3,561

Category Winners: Cheapest Car Insurance in White Cloud, Michigan

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

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

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

Annual Car Insurance Rates by Coverage Level in White Cloud, Michigan

Insurance Company Low Medium High
Allstate $19,727 $20,206 $20,568
Farmers $5,685 $5,815 $5,984
GEICO $5,304 $5,602 $6,044
Liberty Mutual $19,708 $20,084 $20,583
Nationwide $7,537 $7,062 $6,967
Progressive $5,143 $5,316 $5,467
State Farm $10,510 $11,080 $11,463
Travelers $6,575 $6,656 $6,715
USAA $3,463 $3,568 $3,650

What affects car insurance rates in White Cloud, Michigan?

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

Car Theft in White Cloud

High levels of vehicle theft can make car insurance more expensive. White Cloud, MI car theft statistics from the FBI indicate 3 vehicle thefts a year.

Commute Time in White Cloud

The more time you spend in your car the higher the risk of an accident. The average commute length in White Cloud, MI is 25.6 minutes according to City-Data.

Compare Car Insurance Quotes in White Cloud, MI

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

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