Buy Cheap Midland, MI Auto Insurance in 2023
Midland, MI auto insurance rates average $678 a month. Minimum auto insurance requirements in Midland, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Midland, MI, compare Midland auto insurance quotes from top companies.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Nov 27, 2023
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.
UPDATED: Nov 27, 2023
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.
On This Page
- Average auto insurance rates in Midland, MI for teens drivers are $15,393/year
- The most expensive auto insurance company in Midland after a DUI is Allstate
- The most expensive auto insurance company in Midland is Allstate
Finding affordable Midland, Michigan auto insurance can be challenging, but everything you need to know to buy cheap Midland, MI auto insurance with confidence is right here. Auto insurance rates in Midland are affected by local factors as well as personal ones like your driving record.
See how Midland, MI car insurance rates compare to Grand Rapids auto insurance rates, Troy auto insurance rates, and Lansing auto insurance rates before you read more about the cost of auto insurance in Midland.
Don’t buy Midland, MI auto insurance until you’ve compared rates. Get free Midland, Michigan auto insurance quotes when you enter your ZIP code above.
Midland, MI Minimum Auto Insurance Requirements
The required auto insurance in Midland, MI is 20/40/10 according to the auto insurance laws in Michigan. The minimum auto insurance in Midland, Michigan is outlined here.
Minimum Required Auto Insurance Coverage in Midland, 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 Midland, MI Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Midland, MI. Take a look at Midland, Michigan auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Midland, Michigan
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $28,855 | $15,958 | $12,177 |
| Farmers | $6,215 | $4,144 | $3,830 |
| Geico | $6,377 | $4,695 | $3,825 |
| Liberty Mutual | $20,558 | $11,906 | $6,608 |
| Nationwide | $7,084 | $5,333 | $4,534 |
| Progressive | $4,608 | $3,903 | $3,531 |
| State Farm | $17,240 | $8,733 | $5,937 |
| Travelers | $8,206 | $7,958 | $7,858 |
| USAA | $4,698 | $2,715 | $2,061 |
Buy Cheap Midland, MI Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Midland, Michigan auto insurance rates? Find out how car insurance rates in Midland, MI are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Midland, 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 | $13,935 | $13,935 | $12,940 | $12,940 | $34,434 | $34,434 | $14,678 | $14,678 |
| Farmers | $3,562 | $3,562 | $3,329 | $3,329 | $8,024 | $8,024 | $4,002 | $4,002 |
| Geico | $3,416 | $3,416 | $3,502 | $3,502 | $9,679 | $9,679 | $3,266 | $3,266 |
| Liberty Mutual | $9,771 | $9,771 | $9,675 | $9,675 | $22,878 | $22,878 | $9,771 | $9,771 |
| Nationwide | $4,054 | $4,054 | $3,616 | $3,616 | $10,496 | $10,496 | $4,435 | $4,435 |
| Progressive | $2,372 | $2,207 | $2,114 | $2,344 | $8,613 | $9,183 | $2,742 | $2,539 |
| State Farm | $6,418 | $6,418 | $5,964 | $5,964 | $22,626 | $22,626 | $7,539 | $7,539 |
| Travelers | $5,380 | $5,380 | $4,626 | $4,626 | $16,180 | $16,180 | $5,842 | $5,842 |
| USAA | $2,371 | $2,214 | $2,240 | $2,095 | $5,604 | $5,226 | $2,838 | $2,675 |
Buy Cheap Midland, MI Auto Insurance for Teen Drivers
Auto insurance for teenagers in Midland can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Midland, MI are listed here.
Annual Auto Insurance Rates for Teen Drivers in Midland, Michigan
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $34,434 | $34,434 |
| Farmers | $8,024 | $8,024 |
| Geico | $9,679 | $9,679 |
| Liberty Mutual | $22,878 | $22,878 |
| Nationwide | $10,496 | $10,496 |
| Progressive | $8,613 | $9,183 |
| State Farm | $22,626 | $22,626 |
| Travelers | $16,180 | $16,180 |
| USAA | $5,604 | $5,226 |
Buy Cheap Midland, MI Auto Insurance for Seniors
You can save on senior auto insurance rates in Midland, Michigan by comparing Midland senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Midland, MI here.
Annual Auto Insurance Rates for Senior Drivers in Midland, Michigan
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $12,940 | $12,940 |
| Farmers | $3,329 | $3,329 |
| Geico | $3,502 | $3,502 |
| Liberty Mutual | $9,675 | $9,675 |
| Nationwide | $3,616 | $3,616 |
| Progressive | $2,114 | $2,344 |
| State Farm | $5,964 | $5,964 |
| Travelers | $4,626 | $4,626 |
| USAA | $2,240 | $2,095 |
Find Cheap Auto Insurance Rates in Midland, MI by Coverage Level
The amount of coverage you choose is a big factor in the cost of Midland, Michigan auto insurance. Compare Midland, MI auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Midland, Michigan
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $18,568 | $19,035 | $19,387 |
| Farmers | $4,600 | $4,718 | $4,869 |
| Geico | $4,629 | $4,920 | $5,349 |
| Liberty Mutual | $12,668 | $12,990 | $13,414 |
| Nationwide | $5,916 | $5,554 | $5,480 |
| Progressive | $3,888 | $4,020 | $4,135 |
| State Farm | $10,108 | $10,702 | $11,100 |
| Travelers | $7,920 | $8,016 | $8,086 |
| USAA | $3,062 | $3,166 | $3,246 |
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Find Cheap Midland, MI Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Midland. Compare auto insurance rates in Midland, MI by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Midland, Michigan
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $18,997 | $18,997 |
| Farmers | $4,729 | $4,729 |
| Geico | $4,855 | $5,077 |
| Liberty Mutual | $12,578 | $13,469 |
| Nationwide | $5,650 | $5,650 |
| Progressive | $4,014 | $4,014 |
| State Farm | $10,352 | $10,921 |
| Travelers | $7,961 | $8,053 |
| USAA | $3,122 | $3,194 |
Find Cheap Midland, MI Auto Insurance Rates by ZIP Code
Auto insurance rates in Midland, Michigan can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Midland, MI to see how much where you live in Midland affects the cost of car insurance.
Annual Auto Insurance Rates by ZIP Code in Midland, Michigan
| ZIP Code | Average Annual Rates |
|---|---|
| 48640 | $5,824 |
| 48642 | $5,833 |
Find Cheap Midland, MI Auto Insurance Rates by Driving Record
Auto insurance rates in Midland, Michigan are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Midland, MI, take a look at the average cost for various violations versus rates for a clean driving record in Midland.
Annual Midland, Michigan Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $9,298 | $12,410 | $41,307 | $12,971 |
| Farmers | $3,978 | $5,064 | $4,999 | $4,876 |
| Geico | $1,743 | $3,705 | $11,191 | $3,224 |
| Liberty Mutual | $9,083 | $10,987 | $20,384 | $11,642 |
| Nationwide | $4,835 | $6,456 | $5,866 | $5,443 |
| Progressive | $3,425 | $4,460 | $4,017 | $4,155 |
| State Farm | $6,729 | $8,088 | $17,603 | $10,127 |
| Travelers | $5,416 | $7,736 | $12,473 | $6,404 |
| USAA | $2,548 | $3,179 | $4,133 | $2,771 |
Find Cheap Midland, MI Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Midland, Michigan is higher than for a clean driving record. You can buy auto insurance after a DUI in Midland for less when you shop around and compare rates from multiple Midland, MI auto insurance companies.
Annual Auto Insurance Rates After a DUI in Midland, Michigan
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $41,307 |
| Farmers | $4,999 |
| Geico | $11,191 |
| Liberty Mutual | $20,384 |
| Nationwide | $5,866 |
| Progressive | $4,017 |
| State Farm | $17,603 |
| Travelers | $12,473 |
| USAA | $4,133 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Midland, MI
Compare rates from the cheapest auto insurance companies in Midland, MI for your needs. Take a look at how Midland, Michigan auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Midland, Michigan
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | USAA |
Find Cheap Midland, Michigan Auto Insurance Companies
If you’re looking for the cheapest Midland, MI auto insurance companies overall, you can compare them here. Find the best price for Midland, Michigan car insurance by company.
Average Annual Auto Insurance Rates by Company in Midland, Michigan
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $18,997 |
| Farmers | $4,729 |
| Geico | $4,966 |
| Liberty Mutual | $13,024 |
| Nationwide | $5,650 |
| Progressive | $4,014 |
| State Farm | $10,637 |
| Travelers | $8,007 |
| USAA | $3,158 |
What affects Midland, Michigan auto insurance rates?
Local factors affect auto insurance rates in Midland, MI, including traffic, theft statistics, and commute length. Take a look at the things that impact Midland auto insurance rates.
Auto Theft in Midland
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Midland, MI auto theft show a total of 12 vehicle thefts annually.
Commute Times in Midland
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Midland, MI is 19.1 minutes according to City-Data.
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Compare Auto Insurance Quotes in Midland, MI
You can buy cheap Midland, MI auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Midland, Michigan auto insurance quotes from top companies.
Frequently Asked Questions
What factors determine the cost of auto insurance in Midland, MI?
Several factors can influence the cost of auto insurance in Midland, MI. These include your age, driving record, the type of vehicle you drive, your credit history, the coverage options you choose, and the deductible amount you select.
How can I find cheap auto insurance in Midland, MI?
To find cheap auto insurance in Midland, MI, consider the following five steps:
- Shop around: Compare quotes from multiple insurance providers to find the best rates.
- Maintain a good driving record: Avoid accidents and traffic violations to qualify for lower premiums.
- Increase deductibles: Opting for a higher deductible can lower your insurance premium, but be sure you can afford the out-of-pocket costs if you need to make a claim.
- Bundle policies: If you have other insurance policies, such as homeowners or renters insurance, bundling them with your auto insurance can lead to discounts.
- Inquire about discounts: Ask insurance companies about available discounts for factors like safe driving, low mileage, or being a student with good grades.
Are there any specific auto insurance requirements in Midland, MI?
Yes, Michigan state law requires all drivers to have minimum liability insurance coverage. The mandatory coverage includes $50,000 per person for bodily injury or death, $100,000 per accident for bodily injury or death, and $10,000 for property damage.
Can I customize my auto insurance coverage in Midland, MI?
Yes, you can customize your auto insurance coverage in Midland, MI to suit your needs. In addition to the mandatory liability coverage, you can choose optional coverage such as collision, comprehensive, uninsured/underinsured motorist, medical payments, and rental car reimbursement. Discuss your specific requirements with insurance providers to determine the best coverage options for you.
How does my driving record affect my auto insurance rates in Midland, MI?
Your driving record plays a significant role in determining your auto insurance rates in Midland, MI. If you have a history of accidents, traffic violations, or DUI convictions, insurance providers may consider you a higher risk and charge higher premiums. On the other hand, a clean driving record with no or few incidents can lead to lower insurance rates.
Can I switch my auto insurance provider if I find a cheaper option in Midland, MI?
Yes, you can switch your auto insurance provider in Midland, MI if you find a cheaper option. However, before switching, consider factors like coverage quality, customer service, and the reputation of the new insurance company. It’s important to ensure that the new policy offers adequate coverage and meets your specific needs.
Are there any penalties for driving without insurance in Midland, MI?
Yes, driving without insurance in Midland, MI can result in penalties. If caught, you may face fines, driver’s license suspension, vehicle registration suspension, and even potential legal consequences. It’s crucial to maintain the required auto insurance coverage to avoid these penalties.
Can my credit history affect my auto insurance rates in Midland, MI?
Yes, in many states, including Michigan, your credit history can impact your auto insurance rates in Midland, MI. Insurance providers often consider credit-based insurance scores when determining premiums. Maintaining good credit can help you qualify for lower insurance rates, while poor credit may lead to higher premiums.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
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.