Buy Cheap Chelsea, MI Auto Insurance (2022)

Chelsea, MI auto insurance rates average $756 a month. Minimum auto insurance requirements in Chelsea, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Chelsea, MI, compare Chelsea auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • The most expensive auto insurance company in Chelsea after a DUI is Allstate
  • The most expensive auto insurance company in Chelsea is Allstate
  • Average auto insurance rates in Chelsea, MI after a DUI are $15,121/year

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

See how Chelsea, MI car insurance rates compare to Sterling Heights auto insurance rates, Livonia auto insurance rates, and Ann Arbor auto insurance rates before you read more about the cost of auto insurance in Chelsea.

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

Chelsea, MI Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Chelsea, 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Chelsea, MI Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Chelsea, Michigan

Insurance Company Poor Fair Good
Allstate $31,120 $17,339 $13,538
Farmers $6,823 $4,559 $4,214
GEICO $7,522 $5,529 $4,497
Liberty Mutual $28,504 $16,469 $9,101
Nationwide $6,305 $4,764 $4,063
Progressive $6,246 $5,253 $4,719
State Farm $16,018 $8,122 $5,527
Travelers $8,386 $8,133 $8,031
USAA $5,049 $2,883 $2,209

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Chelsea, 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 $14,861 $14,861 $13,713 $13,713 $38,401 $38,401 $15,688 $15,688
Farmers $3,905 $3,905 $3,646 $3,646 $8,852 $8,852 $4,393 $4,393
GEICO $3,955 $3,955 $4,063 $4,063 $11,589 $11,589 $3,789 $3,789
Liberty Mutual $13,502 $13,502 $13,369 $13,369 $31,726 $31,726 $13,502 $13,502
Nationwide $3,637 $3,637 $3,251 $3,251 $9,316 $9,316 $3,973 $3,973
Progressive $3,179 $2,929 $2,811 $3,163 $11,710 $12,401 $3,694 $3,363
State Farm $6,035 $6,035 $5,576 $5,576 $20,867 $20,867 $7,079 $7,079
Travelers $5,498 $5,498 $4,728 $4,728 $16,536 $16,536 $5,970 $5,970
USAA $2,447 $2,331 $2,300 $2,179 $6,076 $5,818 $2,998 $2,894

Buy Cheap Chelsea, MI Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Chelsea, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $38,401 $38,401
Farmers $8,852 $8,852
GEICO $11,589 $11,589
Liberty Mutual $31,726 $31,726
Nationwide $9,316 $9,316
Progressive $11,710 $12,401
State Farm $20,867 $20,867
Travelers $16,536 $16,536
USAA $6,076 $5,818

Buy Cheap Chelsea, MI Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Chelsea, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,713 $13,713
Farmers $3,646 $3,646
GEICO $4,063 $4,063
Liberty Mutual $13,369 $13,369
Nationwide $3,251 $3,251
Progressive $2,811 $3,163
State Farm $5,576 $5,576
Travelers $4,728 $4,728
USAA $2,300 $2,179

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

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

Annual Auto Insurance Rates by Coverage Level in Chelsea, Michigan

Insurance Company Low Medium High
Allstate $20,013 $20,723 $21,261
Farmers $5,072 $5,189 $5,336
GEICO $5,482 $5,800 $6,265
Liberty Mutual $17,614 $17,984 $18,475
Nationwide $5,245 $4,969 $4,919
Progressive $5,256 $5,412 $5,551
State Farm $9,433 $9,945 $10,289
Travelers $8,098 $8,192 $8,260
USAA $3,284 $3,388 $3,469

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Chelsea, MI Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Chelsea, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $20,666 $20,666
Farmers $5,199 $5,199
GEICO $5,719 $5,979
Liberty Mutual $17,405 $18,644
Nationwide $5,044 $5,044
Progressive $5,406 $5,406
State Farm $9,630 $10,149
Travelers $8,137 $8,230
USAA $3,343 $3,418

Find Cheap Chelsea, MI Auto Insurance Rates by Driving Record

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

Annual Chelsea, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,107 $13,442 $44,987 $14,127
Farmers $4,366 $5,569 $5,494 $5,366
GEICO $2,010 $4,351 $13,258 $3,778
Liberty Mutual $12,534 $15,189 $28,276 $16,099
Nationwide $4,326 $5,753 $5,235 $4,862
Progressive $4,569 $6,035 $5,414 $5,607
State Farm $6,340 $7,575 $16,216 $9,426
Travelers $5,527 $7,904 $12,766 $6,536
USAA $2,722 $3,392 $4,442 $2,967

Find Cheap Chelsea, MI Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Chelsea, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $44,987
Farmers $5,494
GEICO $13,258
Liberty Mutual $28,276
Nationwide $5,235
Progressive $5,414
State Farm $16,216
Travelers $12,766
USAA $4,442

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

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

Best Annual Auto Insurance Rates by Company in Chelsea, Michigan

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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Chelsea, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Chelsea, Michigan

Insurance Company Average Annual Rates
Allstate $20,666
Farmers $5,199
GEICO $5,849
Liberty Mutual $18,025
Nationwide $5,044
Progressive $5,406
State Farm $9,889
Travelers $8,183
USAA $3,380

What affects Chelsea, Michigan auto insurance rates?

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

Commute Times in Chelsea

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Chelsea, MI is 24.5 minutes according to City-Data.

Compare Auto Insurance Quotes in Chelsea, MI

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

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption