Buy Cheap Coldwater, MI Auto Insurance (2022)

Coldwater, MI auto insurance rates average $738 a month. Minimum auto insurance requirements in Coldwater, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Coldwater, MI, compare Coldwater 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

  • The most expensive auto insurance company in Coldwater after a DUI is Allstate
  • Average auto insurance rates in Coldwater, MI are $738/month
  • Average auto insurance rates in Coldwater, MI for teens drivers are $16,632/year

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

See how Coldwater, MI car insurance rates compare to Flint auto insurance rates, Dearborn auto insurance rates, and Detroit auto insurance rates before you read more about the cost of auto insurance in Coldwater.

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

Coldwater, MI Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Coldwater, Michigan

Insurance Company Poor Fair Good
Allstate $32,101 $17,783 $13,617
Farmers $6,069 $4,020 $3,715
GEICO $6,785 $4,992 $4,065
Liberty Mutual $28,872 $16,683 $9,220
Nationwide $6,841 $5,165 $4,405
Progressive $5,486 $4,602 $4,140
State Farm $16,375 $8,301 $5,647
Travelers $6,813 $6,608 $6,525
USAA $5,205 $2,963 $2,266

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Coldwater, 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 $15,512 $15,512 $14,414 $14,414 $38,399 $38,399 $16,342 $16,342
Farmers $3,515 $3,515 $3,283 $3,283 $7,670 $7,670 $3,938 $3,938
GEICO $3,663 $3,663 $3,717 $3,717 $10,239 $10,239 $3,504 $3,504
Liberty Mutual $13,638 $13,638 $13,501 $13,501 $32,257 $32,257 $13,638 $13,638
Nationwide $3,916 $3,916 $3,483 $3,483 $10,196 $10,196 $4,285 $4,285
Progressive $2,846 $2,655 $2,511 $2,805 $10,065 $10,687 $3,310 $3,064
State Farm $6,196 $6,196 $5,718 $5,718 $21,258 $21,258 $7,258 $7,258
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,529 $2,414 $2,374 $2,254 $6,205 $5,946 $3,100 $3,000

Buy Cheap Coldwater, MI Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Coldwater, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $38,399 $38,399
Farmers $7,670 $7,670
GEICO $10,239 $10,239
Liberty Mutual $32,257 $32,257
Nationwide $10,196 $10,196
Progressive $10,065 $10,687
State Farm $21,258 $21,258
Travelers $13,395 $13,395
USAA $6,205 $5,946

Buy Cheap Coldwater, MI Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Coldwater, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $14,414 $14,414
Farmers $3,283 $3,283
GEICO $3,717 $3,717
Liberty Mutual $13,501 $13,501
Nationwide $3,483 $3,483
Progressive $2,511 $2,805
State Farm $5,718 $5,718
Travelers $3,858 $3,858
USAA $2,374 $2,254

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

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

Annual Auto Insurance Rates by Coverage Level in Coldwater, Michigan

Insurance Company Low Medium High
Allstate $20,509 $21,225 $21,767
Farmers $4,489 $4,592 $4,722
GEICO $4,923 $5,232 $5,687
Liberty Mutual $17,781 $18,212 $18,782
Nationwide $5,725 $5,377 $5,308
Progressive $4,611 $4,749 $4,869
State Farm $9,627 $10,167 $10,529
Travelers $6,575 $6,656 $6,715
USAA $3,385 $3,485 $3,563

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Find Cheap Coldwater, MI Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Coldwater, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $21,167 $21,167
Farmers $4,601 $4,601
GEICO $5,159 $5,402
Liberty Mutual $17,626 $18,891
Nationwide $5,470 $5,470
Progressive $4,743 $4,743
State Farm $9,838 $10,377
Travelers $6,611 $6,686
USAA $3,438 $3,517

Find Cheap Coldwater, MI Auto Insurance Rates by Driving Record

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

Annual Coldwater, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,319 $13,802 $46,121 $14,426
Farmers $3,881 $4,921 $4,860 $4,744
GEICO $1,886 $3,938 $11,846 $3,453
Liberty Mutual $12,830 $15,436 $28,384 $16,383
Nationwide $4,693 $6,223 $5,685 $5,279
Progressive $4,025 $5,270 $4,751 $4,925
State Farm $6,523 $7,770 $16,498 $9,640
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,801 $3,485 $4,572 $3,053

Find Cheap Coldwater, MI Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Coldwater, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $46,121
Farmers $4,860
GEICO $11,846
Liberty Mutual $28,384
Nationwide $5,685
Progressive $4,751
State Farm $16,498
Travelers $10,331
USAA $4,572

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

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

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

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

Average Annual Auto Insurance Rates by Company in Coldwater, Michigan

Insurance Company Average Annual Rates
Allstate $21,167
Farmers $4,601
GEICO $5,281
Liberty Mutual $18,258
Nationwide $5,470
Progressive $4,743
State Farm $10,108
Travelers $6,649
USAA $3,478

What affects Coldwater, Michigan auto insurance rates?

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

Auto Theft in Coldwater

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Coldwater, MI auto theft show a total of 16 vehicle thefts annually.

Commute Times in Coldwater

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Coldwater, MI is 17.2 minutes according to City-Data.

Compare Auto Insurance Quotes in Coldwater, MI

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

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