Buy Cheap Big Rapids, MI Auto Insurance (2022)

Big Rapids, MI auto insurance rates average $822 a month. Minimum auto insurance requirements in Big Rapids, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Big Rapids, MI, compare Big Rapids 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 Big Rapids, MI are $822/month
  • The most expensive auto insurance company in Big Rapids is Allstate
  • The most expensive auto insurance company in Big Rapids after a DUI is Allstate

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

See how Big Rapids, MI car insurance rates compare to Detroit auto insurance rates, Sterling Heights auto insurance rates, and Warren auto insurance rates before you read more about the cost of auto insurance in Big Rapids.

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

Big Rapids, MI Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Big Rapids, 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 Big Rapids, MI Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Big Rapids, Michigan

Insurance Company Poor Fair Good
Allstate $34,761 $19,207 $14,645
Farmers $7,626 $4,992 $4,602
GEICO $7,185 $5,283 $4,300
Liberty Mutual $31,844 $18,386 $10,145
Nationwide $9,004 $6,790 $5,771
Progressive $6,095 $5,130 $4,633
State Farm $19,186 $9,704 $6,588
Travelers $6,813 $6,608 $6,525
USAA $5,287 $3,025 $2,289

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Big Rapids, 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 $16,758 $16,758 $15,566 $15,566 $41,506 $41,506 $17,653 $17,653
Farmers $4,395 $4,395 $4,103 $4,103 $9,526 $9,526 $4,935 $4,935
GEICO $3,882 $3,882 $3,946 $3,946 $10,816 $10,816 $3,712 $3,712
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 $3,099 $2,904 $2,731 $3,029 $11,343 $12,164 $3,622 $3,397
State Farm $7,199 $7,199 $6,659 $6,659 $25,000 $25,000 $8,445 $8,445
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,639 $2,479 $2,485 $2,336 $6,254 $5,870 $3,183 $3,023

Buy Cheap Big Rapids, MI Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Big Rapids, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,506 $41,506
Farmers $9,526 $9,526
GEICO $10,816 $10,816
Liberty Mutual $35,785 $35,785
Nationwide $13,754 $13,754
Progressive $11,343 $12,164
State Farm $25,000 $25,000
Travelers $13,395 $13,395
USAA $6,254 $5,870

Buy Cheap Big Rapids, MI Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Big Rapids, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,566 $15,566
Farmers $4,103 $4,103
GEICO $3,946 $3,946
Liberty Mutual $14,804 $14,804
Nationwide $4,440 $4,440
Progressive $2,731 $3,029
State Farm $6,659 $6,659
Travelers $3,858 $3,858
USAA $2,485 $2,336

Find Cheap Auto Insurance Rates in Big Rapids, MI by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Big Rapids, Michigan

Insurance Company Low Medium High
Allstate $22,308 $22,921 $23,383
Farmers $5,616 $5,729 $5,875
GEICO $5,247 $5,543 $5,979
Liberty Mutual $19,708 $20,084 $20,583
Nationwide $7,537 $7,062 $6,967
Progressive $5,132 $5,293 $5,434
State Farm $11,244 $11,898 $12,336
Travelers $6,575 $6,656 $6,715
USAA $3,437 $3,541 $3,623

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Find Cheap Big Rapids, MI Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Big Rapids, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $22,871 $22,871
Farmers $5,740 $5,740
GEICO $5,461 $5,717
Liberty Mutual $19,417 $20,833
Nationwide $7,189 $7,189
Progressive $5,286 $5,286
State Farm $11,507 $12,145
Travelers $6,611 $6,686
USAA $3,492 $3,575

Find Cheap Big Rapids, MI Auto Insurance Rates by Driving Record

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

Annual Big Rapids, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,140 $14,886 $49,871 $15,586
Farmers $4,829 $6,138 $6,065 $5,927
GEICO $1,983 $4,163 $12,564 $3,646
Liberty Mutual $14,339 $17,098 $30,874 $18,190
Nationwide $6,149 $8,203 $7,471 $6,931
Progressive $4,490 $5,877 $5,286 $5,490
State Farm $7,574 $9,053 $19,404 $11,271
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,847 $3,550 $4,638 $3,100

Find Cheap Big Rapids, MI Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Big Rapids, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $49,871
Farmers $6,065
GEICO $12,564
Liberty Mutual $30,874
Nationwide $7,471
Progressive $5,286
State Farm $19,404
Travelers $10,331
USAA $4,638

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

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

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

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

Average Annual Auto Insurance Rates by Company in Big Rapids, Michigan

Insurance Company Average Annual Rates
Allstate $22,871
Farmers $5,740
GEICO $5,589
Liberty Mutual $20,125
Nationwide $7,189
Progressive $5,286
State Farm $11,826
Travelers $6,649
USAA $3,534

What affects Big Rapids, Michigan auto insurance rates?

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

Auto Theft in Big Rapids

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Big Rapids, MI auto theft show a total of 6 vehicle thefts annually.

Commute Times in Big Rapids

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Big Rapids, MI is 13.2 minutes according to City-Data.

Compare Auto Insurance Quotes in Big Rapids, MI

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

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