Buy Cheap Ionia, MI Auto Insurance (2022)

Ionia, MI auto insurance rates average $783 a month. Minimum auto insurance requirements in Ionia, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Ionia, MI, compare Ionia 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 Ionia after a DUI is Allstate
  • Average auto insurance rates in Ionia, MI for teens drivers are $17,620/year
  • Average auto insurance rates in Ionia, MI are $783/month

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

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

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

Ionia, MI Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Ionia, Michigan

Insurance Company Poor Fair Good
Allstate $34,761 $19,207 $14,645
Farmers $7,436 $4,865 $4,482
GEICO $6,501 $4,786 $3,898
Liberty Mutual $30,734 $17,750 $9,799
Nationwide $7,479 $5,650 $4,815
Progressive $5,533 $4,662 $4,207
State Farm $17,534 $8,880 $6,035
Travelers $6,813 $6,608 $6,525
USAA $5,016 $2,864 $2,189

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Ionia, 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 $4,263 $4,263 $3,978 $3,978 $9,349 $9,349 $4,787 $4,787
GEICO $3,559 $3,559 $3,608 $3,608 $9,680 $9,680 $3,398 $3,398
Liberty Mutual $14,499 $14,499 $14,355 $14,355 $34,357 $34,357 $14,499 $14,499
Nationwide $4,236 $4,236 $3,756 $3,756 $11,284 $11,284 $4,649 $4,649
Progressive $2,836 $2,648 $2,509 $2,788 $10,277 $10,975 $3,301 $3,072
State Farm $6,617 $6,617 $6,104 $6,104 $22,785 $22,785 $7,759 $7,759
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,462 $2,344 $2,313 $2,195 $5,952 $5,682 $3,004 $2,899

Buy Cheap Ionia, MI Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ionia, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,506 $41,506
Farmers $9,349 $9,349
GEICO $9,680 $9,680
Liberty Mutual $34,357 $34,357
Nationwide $11,284 $11,284
Progressive $10,277 $10,975
State Farm $22,785 $22,785
Travelers $13,395 $13,395
USAA $5,952 $5,682

Buy Cheap Ionia, MI Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ionia, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,566 $15,566
Farmers $3,978 $3,978
GEICO $3,608 $3,608
Liberty Mutual $14,355 $14,355
Nationwide $3,756 $3,756
Progressive $2,509 $2,788
State Farm $6,104 $6,104
Travelers $3,858 $3,858
USAA $2,313 $2,195

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

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

Annual Auto Insurance Rates by Coverage Level in Ionia, Michigan

Insurance Company Low Medium High
Allstate $22,308 $22,921 $23,383
Farmers $5,450 $5,580 $5,753
GEICO $4,714 $5,014 $5,457
Liberty Mutual $18,989 $19,385 $19,909
Nationwide $6,263 $5,879 $5,803
Progressive $4,648 $4,808 $4,946
State Farm $10,313 $10,878 $11,258
Travelers $6,575 $6,656 $6,715
USAA $3,262 $3,364 $3,444

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Find Cheap Ionia, MI Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Ionia, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $22,871 $22,871
Farmers $5,594 $5,594
GEICO $4,944 $5,179
Liberty Mutual $18,753 $20,103
Nationwide $5,982 $5,982
Progressive $4,801 $4,801
State Farm $10,530 $11,103
Travelers $6,611 $6,686
USAA $3,318 $3,395

Find Cheap Ionia, MI Auto Insurance Rates by Driving Record

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

Annual Ionia, 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 $4,708 $5,984 $5,915 $5,770
GEICO $1,826 $3,779 $11,325 $3,316
Liberty Mutual $13,662 $16,428 $30,178 $17,443
Nationwide $5,129 $6,810 $6,216 $5,772
Progressive $4,079 $5,337 $4,806 $4,981
State Farm $6,963 $8,303 $17,686 $10,314
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,706 $3,364 $4,409 $2,948

Find Cheap Ionia, MI Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ionia, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $49,871
Farmers $5,915
GEICO $11,325
Liberty Mutual $30,178
Nationwide $6,216
Progressive $4,806
State Farm $17,686
Travelers $10,331
USAA $4,409

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

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

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

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

Average Annual Auto Insurance Rates by Company in Ionia, Michigan

Insurance Company Average Annual Rates
Allstate $22,871
Farmers $5,594
GEICO $5,061
Liberty Mutual $19,428
Nationwide $5,982
Progressive $4,801
State Farm $10,816
Travelers $6,649
USAA $3,356

What affects Ionia, Michigan auto insurance rates?

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

Auto Theft in Ionia

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Ionia, MI auto theft show a total of 5 vehicle thefts annually.

Commute Times in Ionia

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Ionia, MI is 20.6 minutes according to City-Data.

Compare Auto Insurance Quotes in Ionia, MI

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

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