Buy Cheap Battle Creek, MI Auto Insurance (2022)

Battle Creek, MI auto insurance rates average $760 a month. Minimum auto insurance requirements in Battle Creek, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Battle Creek, MI, compare Battle Creek auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Battle Creek, MI for teens drivers are $17,262/year
  • Average auto insurance rates in Battle Creek, MI after a DUI are $15,326/year
  • Average auto insurance rates in Battle Creek, MI are $760/month

Finding affordable Battle Creek, Michigan auto insurance can be challenging, but everything you need to know to buy cheap Battle Creek, MI auto insurance with confidence is right here. Auto insurance rates in Battle Creek are affected by local factors as well as personal ones like your driving record.

See how Battle Creek, MI car insurance rates compare to Flint auto insurance rates, Troy auto insurance rates, and Ann Arbor auto insurance rates before you read more about the cost of auto insurance in Battle Creek.

Don’t buy Battle Creek, MI auto insurance until you’ve compared rates. Get free Battle Creek, Michigan auto insurance quotes when you enter your ZIP code above.

Battle Creek, MI Minimum Auto Insurance Requirements

The required auto insurance in Battle Creek, MI is 20/40/10 according to the auto insurance laws in Michigan. The minimum auto insurance in Battle Creek, Michigan is outlined here.

Minimum Required Auto Insurance Coverage in Battle Creek, 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

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Find Cheap Battle Creek, MI Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Battle Creek, MI. Take a look at Battle Creek, Michigan auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Battle Creek, Michigan

Insurance Company Poor Fair Good
Allstate $29,692 $16,472 $12,712
Farmers $7,402 $4,876 $4,496
GEICO $9,813 $7,196 $5,843
Liberty Mutual $28,255 $16,325 $9,025
Nationwide $5,654 $4,306 $3,689
Progressive $5,561 $4,695 $4,243
State Farm $17,262 $8,743 $5,944
Travelers $8,365 $8,112 $8,010
USAA $4,754 $2,729 $2,090

Buy Cheap Battle Creek, MI Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Battle Creek, Michigan auto insurance rates? Find out how car insurance rates in Battle Creek, MI are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Battle Creek, 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 $14,256 $14,256 $13,188 $13,188 $36,026 $36,026 $15,033 $15,033
Farmers $4,243 $4,243 $3,961 $3,961 $9,386 $9,386 $4,775 $4,775
GEICO $5,272 $5,272 $5,344 $5,344 $14,807 $14,807 $5,046 $5,046
Liberty Mutual $13,407 $13,407 $13,275 $13,275 $31,386 $31,386 $13,407 $13,407
Nationwide $3,263 $3,263 $2,912 $2,912 $8,456 $8,456 $3,568 $3,568
Progressive $2,828 $2,637 $2,503 $2,779 $10,415 $11,144 $3,290 $3,066
State Farm $6,430 $6,430 $5,960 $5,960 $22,649 $22,649 $7,561 $7,561
Travelers $5,474 $5,474 $4,697 $4,697 $16,530 $16,530 $5,948 $5,948
USAA $2,334 $2,215 $2,197 $2,077 $5,702 $5,431 $2,841 $2,731

Buy Cheap Battle Creek, MI Auto Insurance for Teen Drivers

Auto insurance for teenagers in Battle Creek can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Battle Creek, MI are listed here.

Annual Auto Insurance Rates for Teen Drivers in Battle Creek, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,026 $36,026
Farmers $9,386 $9,386
GEICO $14,807 $14,807
Liberty Mutual $31,386 $31,386
Nationwide $8,456 $8,456
Progressive $10,415 $11,144
State Farm $22,649 $22,649
Travelers $16,530 $16,530
USAA $5,702 $5,431

Buy Cheap Battle Creek, MI Auto Insurance for Seniors

You can save on senior auto insurance rates in Battle Creek, Michigan by comparing Battle Creek senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Battle Creek, MI here.

Annual Auto Insurance Rates for Senior Drivers in Battle Creek, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,188 $13,188
Farmers $3,961 $3,961
GEICO $5,344 $5,344
Liberty Mutual $13,275 $13,275
Nationwide $2,912 $2,912
Progressive $2,503 $2,779
State Farm $5,960 $5,960
Travelers $4,697 $4,697
USAA $2,197 $2,077

Find Cheap Auto Insurance Rates in Battle Creek, MI by Coverage Level

The amount of coverage you choose is a big factor in the cost of Battle Creek, Michigan auto insurance. Compare Battle Creek, MI auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Battle Creek, Michigan

Insurance Company Low Medium High
Allstate $19,151 $19,668 $20,058
Farmers $5,473 $5,581 $5,720
GEICO $7,234 $7,566 $8,051
Liberty Mutual $17,488 $17,832 $18,286
Nationwide $4,740 $4,478 $4,432
Progressive $4,698 $4,838 $4,963
State Farm $10,160 $10,710 $11,080
Travelers $8,078 $8,170 $8,239
USAA $3,096 $3,198 $3,279

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Find Cheap Battle Creek, MI Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Battle Creek. Compare auto insurance rates in Battle Creek, MI by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Battle Creek, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,625 $19,625
Farmers $5,591 $5,591
GEICO $7,440 $7,794
Liberty Mutual $17,258 $18,480
Nationwide $4,550 $4,550
Progressive $4,833 $4,833
State Farm $10,372 $10,927
Travelers $8,115 $8,209
USAA $3,155 $3,227

Find Cheap Battle Creek, MI Auto Insurance Rates by ZIP Code

Auto insurance rates in Battle Creek, Michigan can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Battle Creek, MI to see how much where you live in Battle Creek affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Battle Creek, Michigan

ZIP Code Average Annual Rates
49014 $6,324
49015 $6,084
49017 $6,455
49037 $7,085

Find Cheap Battle Creek, MI Auto Insurance Rates by Driving Record

Auto insurance rates in Battle Creek, Michigan are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Battle Creek, MI, take a look at the average cost for various violations versus rates for a clean driving record in Battle Creek.

Annual Battle Creek, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,635 $12,824 $42,616 $13,426
Farmers $4,696 $5,983 $5,909 $5,777
GEICO $2,666 $5,650 $17,199 $4,954
Liberty Mutual $12,364 $15,034 $28,154 $15,923
Nationwide $3,920 $5,166 $4,721 $4,393
Progressive $4,111 $5,376 $4,831 $5,013
State Farm $6,734 $8,096 $17,630 $10,139
Travelers $5,532 $7,889 $12,690 $6,538
USAA $2,573 $3,203 $4,186 $2,802

Find Cheap Battle Creek, MI Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Battle Creek, Michigan is higher than for a clean driving record. You can buy auto insurance after a DUI in Battle Creek for less when you shop around and compare rates from multiple Battle Creek, MI auto insurance companies.

Annual Auto Insurance Rates After a DUI in Battle Creek, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $42,616
Farmers $5,909
GEICO $17,199
Liberty Mutual $28,154
Nationwide $4,721
Progressive $4,831
State Farm $17,630
Travelers $12,690
USAA $4,186

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Winners by Category: Where to Buy Cheap Auto Insurance in Battle Creek, MI

Compare rates from the cheapest auto insurance companies in Battle Creek, MI for your needs. Take a look at how Battle Creek, Michigan auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Battle Creek, Michigan

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

Find Cheap Battle Creek, Michigan Auto Insurance Companies

If you’re looking for the cheapest Battle Creek, MI auto insurance companies overall, you can compare them here. Find the best price for Battle Creek, Michigan car insurance by company.

Average Annual Auto Insurance Rates by Company in Battle Creek, Michigan

Insurance Company Average Annual Rates
Allstate $19,625
Farmers $5,591
GEICO $7,617
Liberty Mutual $17,869
Nationwide $4,550
Progressive $4,833
State Farm $10,650
Travelers $8,162
USAA $3,191

What affects Battle Creek, Michigan auto insurance rates?

Local factors affect auto insurance rates in Battle Creek, MI, including traffic, theft statistics, and commute length. Take a look at the things that impact Battle Creek auto insurance rates.

Auto Theft in Battle Creek

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Battle Creek, MI auto theft show a total of 77 vehicle thefts annually.

Commute Times in Battle Creek

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Battle Creek, MI is 18.6 minutes according to City-Data.

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Compare Auto Insurance Quotes in Battle Creek, MI

You can buy cheap Battle Creek, MI auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Battle Creek, Michigan auto insurance quotes from top companies.

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