Buy Cheap Berkley, MI Auto Insurance (2022)

Berkley, MI auto insurance rates average $928 a month. Minimum auto insurance requirements in Berkley, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Berkley, MI, compare Berkley 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 Berkley, MI after a DUI are $18,044/year
  • The most expensive auto insurance company in Berkley after a DUI is Allstate
  • The most expensive auto insurance company in Berkley is Liberty Mutual

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

See how Berkley, MI car insurance rates compare to Warren auto insurance rates, Dearborn auto insurance rates, and Grand Rapids auto insurance rates before you read more about the cost of auto insurance in Berkley.

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

Berkley, MI Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Berkley, 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 Berkley, MI Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Berkley, Michigan

Insurance Company Poor Fair Good
Allstate $28,219 $15,873 $12,691
Farmers $17,755 $9,517 $8,839
GEICO $10,784 $7,903 $6,413
Liberty Mutual $32,534 $18,785 $10,367
Nationwide $8,742 $6,558 $5,555
Progressive $5,844 $4,925 $4,431
State Farm $21,248 $10,742 $7,289
Travelers $11,437 $11,087 $10,945
USAA $6,105 $3,469 $2,635

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Berkley, 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 $13,263 $13,263 $12,140 $12,140 $36,269 $36,269 $14,038 $14,038
Farmers $9,027 $9,027 $8,341 $8,341 $20,553 $20,553 $10,228 $10,228
GEICO $5,870 $5,870 $6,013 $6,013 $15,998 $15,998 $5,585 $5,585
Liberty Mutual $15,429 $15,429 $15,277 $15,277 $36,112 $36,112 $15,429 $15,429
Nationwide $4,932 $4,932 $4,388 $4,388 $13,073 $13,073 $5,414 $5,414
Progressive $2,980 $2,751 $2,641 $2,956 $10,956 $11,631 $3,456 $3,159
State Farm $7,825 $7,825 $7,311 $7,311 $28,034 $28,034 $9,201 $9,201
Travelers $7,464 $7,464 $6,400 $6,400 $22,645 $22,645 $8,116 $8,116
USAA $2,943 $2,784 $2,769 $2,610 $7,375 $7,012 $3,607 $3,457

Buy Cheap Berkley, MI Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Berkley, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,269 $36,269
Farmers $20,553 $20,553
GEICO $15,998 $15,998
Liberty Mutual $36,112 $36,112
Nationwide $13,073 $13,073
Progressive $10,956 $11,631
State Farm $28,034 $28,034
Travelers $22,645 $22,645
USAA $7,375 $7,012

Buy Cheap Berkley, MI Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Berkley, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $12,140 $12,140
Farmers $8,341 $8,341
GEICO $6,013 $6,013
Liberty Mutual $15,277 $15,277
Nationwide $4,388 $4,388
Progressive $2,641 $2,956
State Farm $7,311 $7,311
Travelers $6,400 $6,400
USAA $2,769 $2,610

Find Cheap Auto Insurance Rates in Berkley, MI by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Berkley, Michigan

Insurance Company Low Medium High
Allstate $18,270 $18,986 $19,527
Farmers $11,633 $11,998 $12,480
GEICO $7,799 $8,283 $9,017
Liberty Mutual $20,104 $20,517 $21,064
Nationwide $7,258 $6,840 $6,758
Progressive $4,877 $5,074 $5,248
State Farm $12,379 $13,181 $13,719
Travelers $11,055 $11,166 $11,247
USAA $3,930 $4,082 $4,197

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Find Cheap Berkley, MI Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Berkley, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $18,928 $18,928
Farmers $12,037 $12,037
GEICO $8,176 $8,557
Liberty Mutual $19,859 $21,265
Nationwide $6,952 $6,952
Progressive $5,066 $5,066
State Farm $12,732 $13,454
Travelers $11,092 $11,221
USAA $4,023 $4,116

Find Cheap Berkley, MI Auto Insurance Rates by Driving Record

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

Annual Berkley, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,205 $12,167 $41,397 $12,941
Farmers $10,023 $12,974 $12,739 $12,413
GEICO $2,887 $6,208 $18,974 $5,397
Liberty Mutual $14,180 $17,281 $32,486 $18,299
Nationwide $5,928 $7,974 $7,216 $6,688
Progressive $4,288 $5,648 $5,079 $5,250
State Farm $8,201 $9,902 $21,813 $12,455
Travelers $7,561 $10,789 $17,326 $8,948
USAA $3,262 $4,087 $5,369 $3,559

Find Cheap Berkley, MI Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Berkley, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $41,397
Farmers $12,739
GEICO $18,974
Liberty Mutual $32,486
Nationwide $7,216
Progressive $5,079
State Farm $21,813
Travelers $17,326
USAA $5,369

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

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

Best Annual Auto Insurance Rates by Company in Berkley, 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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Find Cheap Berkley, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Berkley, Michigan

Insurance Company Average Annual Rates
Allstate $18,928
Farmers $12,037
GEICO $8,367
Liberty Mutual $20,562
Nationwide $6,952
Progressive $5,066
State Farm $13,093
Travelers $11,156
USAA $4,069

What affects Berkley, Michigan auto insurance rates?

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

Auto Theft in Berkley

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Berkley, MI auto theft show a total of 4 vehicle thefts annually.

Commute Times in Berkley

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Berkley, MI is 23.8 minutes according to City-Data.

Compare Auto Insurance Quotes in Berkley, MI

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

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