Buy Cheap Chatham, MI Auto Insurance (2022)

Chatham, MI auto insurance rates average $743 a month. Minimum auto insurance requirements in Chatham, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Chatham, MI, compare Chatham 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 Chatham, MI for teens drivers are $16,788/year
  • Average auto insurance rates in Chatham, MI after a DUI are $14,624/year
  • The most expensive auto insurance company in Chatham after a DUI is Allstate

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

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

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

Chatham, MI Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Chatham, Michigan

Insurance Company Poor Fair Good
Allstate $29,571 $16,285 $12,295
Farmers $6,732 $4,453 $4,114
GEICO $6,489 $4,777 $3,891
Liberty Mutual $27,174 $15,706 $8,682
Nationwide $6,547 $4,963 $4,242
Progressive $6,314 $5,290 $4,755
State Farm $18,806 $9,513 $6,459
Travelers $7,919 $7,680 $7,583
USAA $5,248 $2,994 $2,279

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Chatham, 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 $14,412 $14,412 $13,431 $13,431 $34,530 $34,530 $15,163 $15,163
Farmers $3,895 $3,895 $3,641 $3,641 $8,499 $8,499 $4,364 $4,364
GEICO $3,500 $3,500 $3,539 $3,539 $9,818 $9,818 $3,353 $3,353
Liberty Mutual $12,802 $12,802 $12,673 $12,673 $30,473 $30,473 $12,802 $12,802
Nationwide $3,742 $3,742 $3,325 $3,325 $9,836 $9,836 $4,099 $4,099
Progressive $3,248 $3,026 $2,856 $3,195 $11,635 $12,372 $3,787 $3,505
State Farm $7,072 $7,072 $6,545 $6,545 $24,467 $24,467 $8,288 $8,288
Travelers $5,193 $5,193 $4,461 $4,461 $15,616 $15,616 $5,639 $5,639
USAA $2,587 $2,452 $2,431 $2,299 $6,217 $5,902 $3,146 $3,020

Buy Cheap Chatham, MI Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Chatham, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $34,530 $34,530
Farmers $8,499 $8,499
GEICO $9,818 $9,818
Liberty Mutual $30,473 $30,473
Nationwide $9,836 $9,836
Progressive $11,635 $12,372
State Farm $24,467 $24,467
Travelers $15,616 $15,616
USAA $6,217 $5,902

Buy Cheap Chatham, MI Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Chatham, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,431 $13,431
Farmers $3,641 $3,641
GEICO $3,539 $3,539
Liberty Mutual $12,673 $12,673
Nationwide $3,325 $3,325
Progressive $2,856 $3,195
State Farm $6,545 $6,545
Travelers $4,461 $4,461
USAA $2,431 $2,299

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

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

Annual Auto Insurance Rates by Coverage Level in Chatham, Michigan

Insurance Company Low Medium High
Allstate $18,944 $19,423 $19,784
Farmers $4,971 $5,090 $5,239
GEICO $4,728 $5,009 $5,421
Liberty Mutual $16,785 $17,149 $17,629
Nationwide $5,484 $5,164 $5,104
Progressive $5,298 $5,459 $5,602
State Farm $11,002 $11,666 $12,110
Travelers $7,640 $7,737 $7,805
USAA $3,410 $3,515 $3,596

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Find Cheap Chatham, MI Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Chatham, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,384 $19,384
Farmers $5,100 $5,100
GEICO $4,936 $5,170
Liberty Mutual $16,587 $17,788
Nationwide $5,251 $5,251
Progressive $5,453 $5,453
State Farm $11,276 $11,910
Travelers $7,683 $7,771
USAA $3,466 $3,547

Find Cheap Chatham, MI Auto Insurance Rates by Driving Record

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

Annual Chatham, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,561 $12,794 $41,923 $13,257
Farmers $4,297 $5,455 $5,388 $5,259
GEICO $1,820 $3,770 $11,304 $3,316
Liberty Mutual $12,187 $14,583 $26,480 $15,500
Nationwide $4,513 $5,964 $5,456 $5,070
Progressive $4,616 $6,068 $5,461 $5,668
State Farm $7,450 $8,891 $18,978 $11,053
Travelers $5,235 $7,468 $12,018 $6,188
USAA $2,825 $3,517 $4,608 $3,078

Find Cheap Chatham, MI Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Chatham, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $41,923
Farmers $5,388
GEICO $11,304
Liberty Mutual $26,480
Nationwide $5,456
Progressive $5,461
State Farm $18,978
Travelers $12,018
USAA $4,608

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

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

Best Annual Auto Insurance Rates by Company in Chatham, 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 Chatham, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Chatham, Michigan

Insurance Company Average Annual Rates
Allstate $19,384
Farmers $5,100
GEICO $5,053
Liberty Mutual $17,188
Nationwide $5,251
Progressive $5,453
State Farm $11,593
Travelers $7,727
USAA $3,507

What affects Chatham, Michigan auto insurance rates?

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

Commute Times in Chatham

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Chatham, MI is 26.4 minutes according to City-Data.

Compare Auto Insurance Quotes in Chatham, MI

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

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