Buy Cheap Pontiac, MI Auto Insurance (2022)

Pontiac, MI auto insurance rates average $1,356 a month. Minimum auto insurance requirements in Pontiac, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Pontiac, MI, compare Pontiac 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

  • Average auto insurance rates in Pontiac, MI after a DUI are $26,026/year
  • The most expensive auto insurance company in Pontiac after a DUI is Allstate
  • Average auto insurance rates in Pontiac, MI are $1,356/month

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

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

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

Pontiac, MI Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Pontiac, Michigan

Insurance Company Poor Fair Good
Allstate $45,482 $25,143 $19,228
Farmers $37,569 $19,634 $18,224
GEICO $10,757 $7,884 $6,397
Liberty Mutual $51,591 $29,727 $16,342
Nationwide $10,834 $8,127 $6,883
Progressive $7,787 $6,513 $5,833
State Farm $31,417 $15,819 $10,692
Travelers $11,638 $11,285 $11,143
USAA $6,758 $3,834 $2,887

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Pontiac, 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 $21,771 $21,771 $20,188 $20,188 $54,891 $54,891 $22,954 $22,954
Farmers $19,460 $19,460 $17,930 $17,930 $41,286 $41,286 $21,893 $21,893
GEICO $5,820 $5,820 $5,914 $5,914 $16,090 $16,090 $5,559 $5,559
Liberty Mutual $24,413 $24,413 $24,173 $24,173 $57,215 $57,215 $24,413 $24,413
Nationwide $6,015 $6,015 $5,313 $5,313 $16,499 $16,499 $6,631 $6,631
Progressive $3,959 $3,669 $3,472 $3,905 $14,451 $15,348 $4,629 $4,253
State Farm $11,474 $11,474 $10,736 $10,736 $41,523 $41,523 $13,503 $13,503
Travelers $7,602 $7,602 $6,521 $6,521 $23,038 $23,038 $8,261 $8,261
USAA $3,270 $3,059 $3,079 $2,875 $8,204 $7,712 $3,981 $3,767

Buy Cheap Pontiac, MI Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Pontiac, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $54,891 $54,891
Farmers $41,286 $41,286
GEICO $16,090 $16,090
Liberty Mutual $57,215 $57,215
Nationwide $16,499 $16,499
Progressive $14,451 $15,348
State Farm $41,523 $41,523
Travelers $23,038 $23,038
USAA $8,204 $7,712

Buy Cheap Pontiac, MI Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Pontiac, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $20,188 $20,188
Farmers $17,930 $17,930
GEICO $5,914 $5,914
Liberty Mutual $24,173 $24,173
Nationwide $5,313 $5,313
Progressive $3,472 $3,905
State Farm $10,736 $10,736
Travelers $6,521 $6,521
USAA $3,079 $2,875

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

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

Annual Auto Insurance Rates by Coverage Level in Pontiac, Michigan

Insurance Company Low Medium High
Allstate $29,073 $30,032 $30,748
Farmers $24,342 $25,063 $26,022
GEICO $7,911 $8,289 $8,838
Liberty Mutual $31,879 $32,486 $33,295
Nationwide $8,989 $8,476 $8,379
Progressive $6,496 $6,719 $6,917
State Farm $18,198 $19,447 $20,283
Travelers $11,252 $11,368 $11,446
USAA $4,357 $4,505 $4,617

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Find Cheap Pontiac, MI Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Pontiac, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $29,951 $29,951
Farmers $25,142 $25,142
GEICO $8,152 $8,539
Liberty Mutual $31,438 $33,668
Nationwide $8,614 $8,614
Progressive $6,711 $6,711
State Farm $18,762 $19,856
Travelers $11,290 $11,421
USAA $4,441 $4,545

Find Cheap Pontiac, MI Auto Insurance Rates by ZIP Code

Auto insurance rates in Pontiac, Michigan can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Pontiac, MI to see how much where you live in Pontiac affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Pontiac, Michigan

ZIP Code Average Annual Rates
48340 $10,943
48341 $11,705
48342 $11,313

Find Cheap Pontiac, MI Auto Insurance Rates by Driving Record

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

Annual Pontiac, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $14,538 $19,355 $65,503 $20,408
Farmers $21,052 $27,032 $26,571 $25,915
GEICO $2,907 $6,187 $18,877 $5,413
Liberty Mutual $22,362 $27,303 $51,642 $28,906
Nationwide $7,344 $9,864 $8,954 $8,296
Progressive $5,653 $7,487 $6,726 $6,977
State Farm $12,038 $14,567 $32,271 $18,361
Travelers $7,641 $10,963 $17,769 $9,048
USAA $3,596 $4,526 $5,925 $3,925

Find Cheap Pontiac, MI Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Pontiac, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $65,503
Farmers $26,571
GEICO $18,877
Liberty Mutual $51,642
Nationwide $8,954
Progressive $6,726
State Farm $32,271
Travelers $17,769
USAA $5,925

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

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

Best Annual Auto Insurance Rates by Company in Pontiac, Michigan

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

Find Cheap Pontiac, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Pontiac, Michigan

Insurance Company Average Annual Rates
Allstate $29,951
Farmers $25,142
GEICO $8,346
Liberty Mutual $32,553
Nationwide $8,614
Progressive $6,711
State Farm $19,309
Travelers $11,355
USAA $4,493

What affects Pontiac, Michigan auto insurance rates?

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

Auto Theft in Pontiac

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Pontiac, MI auto theft show a total of 95 vehicle thefts annually.

Commute Times in Pontiac

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Pontiac, MI is 22.5 minutes according to City-Data.

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Compare Auto Insurance Quotes in Pontiac, MI

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

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