Buy Cheap Elk Rapids, MI Auto Insurance (2022)

Elk Rapids, MI auto insurance rates average $792 a month. Minimum auto insurance requirements in Elk Rapids, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Elk Rapids, MI, compare Elk Rapids 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

  • Average auto insurance rates in Elk Rapids, MI after a DUI are $15,983/year
  • Average auto insurance rates in Elk Rapids, MI are $792/month
  • The most expensive auto insurance company in Elk Rapids is Allstate

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

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

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

Elk Rapids, MI Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Elk 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Elk Rapids, MI Auto Insurance by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $37,251 $20,462 $15,271
Farmers $7,040 $4,668 $4,310
GEICO $6,944 $5,108 $4,158
Liberty Mutual $28,338 $16,372 $9,047
Nationwide $8,198 $6,128 $5,194
Progressive $5,275 $4,458 $4,029
State Farm $16,152 $8,189 $5,572
Travelers $8,169 $7,922 $7,822
USAA $5,253 $2,990 $2,289

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Elk 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 $18,178 $18,178 $17,007 $17,007 $43,020 $43,020 $19,109 $19,109
Farmers $4,039 $4,039 $3,769 $3,769 $9,004 $9,004 $4,546 $4,546
GEICO $3,728 $3,728 $3,811 $3,811 $10,509 $10,509 $3,566 $3,566
Liberty Mutual $13,423 $13,423 $13,290 $13,290 $31,542 $31,542 $13,423 $13,423
Nationwide $4,680 $4,680 $4,166 $4,166 $12,064 $12,064 $5,117 $5,117
Progressive $2,690 $2,503 $2,387 $2,653 $9,888 $10,559 $3,123 $2,897
State Farm $6,062 $6,062 $5,613 $5,613 $21,096 $21,096 $7,113 $7,113
Travelers $5,348 $5,348 $4,589 $4,589 $16,137 $16,137 $5,811 $5,811
USAA $2,540 $2,425 $2,384 $2,264 $6,292 $6,040 $3,119 $3,021

Buy Cheap Elk Rapids, MI Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,020 $43,020
Farmers $9,004 $9,004
GEICO $10,509 $10,509
Liberty Mutual $31,542 $31,542
Nationwide $12,064 $12,064
Progressive $9,888 $10,559
State Farm $21,096 $21,096
Travelers $16,137 $16,137
USAA $6,292 $6,040

Buy Cheap Elk Rapids, MI Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,007 $17,007
Farmers $3,769 $3,769
GEICO $3,811 $3,811
Liberty Mutual $13,290 $13,290
Nationwide $4,166 $4,166
Progressive $2,387 $2,653
State Farm $5,613 $5,613
Travelers $4,589 $4,589
USAA $2,384 $2,264

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

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

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

Insurance Company Low Medium High
Allstate $23,774 $24,378 $24,834
Farmers $5,223 $5,329 $5,466
GEICO $5,065 $5,357 $5,788
Liberty Mutual $17,501 $17,878 $18,379
Nationwide $6,846 $6,388 $6,286
Progressive $4,456 $4,593 $4,714
State Farm $9,497 $10,030 $10,387
Travelers $7,889 $7,978 $8,047
USAA $3,411 $3,519 $3,602

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Elk Rapids, MI Auto Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $24,328 $24,328
Farmers $5,339 $5,339
GEICO $5,282 $5,525
Liberty Mutual $17,304 $18,535
Nationwide $6,507 $6,507
Progressive $4,587 $4,587
State Farm $9,707 $10,235
Travelers $7,926 $8,017
USAA $3,471 $3,550

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

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

Annual Elk Rapids, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,781 $15,856 $53,166 $16,511
Farmers $4,485 $5,715 $5,641 $5,517
GEICO $1,897 $4,025 $12,180 $3,511
Liberty Mutual $12,457 $15,103 $28,109 $16,009
Nationwide $5,553 $7,442 $6,765 $6,267
Progressive $3,904 $5,104 $4,587 $4,755
State Farm $6,364 $7,619 $16,401 $9,501
Travelers $5,408 $7,706 $12,382 $6,390
USAA $2,825 $3,518 $4,618 $3,081

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

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $53,166
Farmers $5,641
GEICO $12,180
Liberty Mutual $28,109
Nationwide $6,765
Progressive $4,587
State Farm $16,401
Travelers $12,382
USAA $4,618

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

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

Best Annual Auto Insurance Rates by Company in Elk Rapids, Michigan

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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Elk Rapids, Michigan Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $24,328
Farmers $5,339
GEICO $5,404
Liberty Mutual $17,919
Nationwide $6,507
Progressive $4,587
State Farm $9,971
Travelers $7,971
USAA $3,511

What affects Elk Rapids, Michigan auto insurance rates?

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

Commute Times in Elk Rapids

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Elk Rapids, MI is 18.9 minutes according to City-Data.

Compare Auto Insurance Quotes in Elk Rapids, MI

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

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption