Buy Cheap Saginaw, MI Auto Insurance (2022)

Saginaw, MI auto insurance rates average $894 a month. Minimum auto insurance requirements in Saginaw, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Saginaw, MI, compare Saginaw 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 Cynthia Lanctot

UPDATED: Mar 15, 2022

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A Concise Overview

  • Average auto insurance rates in Saginaw, MI after a DUI are $17,398/year
  • The most expensive auto insurance company in Saginaw is Allstate
  • Average auto insurance rates in Saginaw, MI for teens drivers are $20,264/year

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

See how Saginaw, MI car insurance rates compare to Ann Arbor auto insurance rates, Lansing auto insurance rates, and Warren auto insurance rates before you read more about the cost of auto insurance in Saginaw.

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

Saginaw, MI Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Saginaw, Michigan

Insurance Company Poor Fair Good
Allstate $31,665 $17,528 $13,406
Farmers $17,896 $9,546 $8,828
GEICO $6,822 $5,020 $4,087
Liberty Mutual $29,198 $16,872 $9,326
Nationwide $7,774 $5,859 $4,975
Progressive $5,923 $4,996 $4,501
State Farm $25,651 $12,935 $8,756
Travelers $9,168 $8,891 $8,778
USAA $5,689 $3,244 $2,461

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Saginaw, 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 $15,257 $15,257 $14,164 $14,164 $37,967 $37,967 $16,076 $16,076
Farmers $9,230 $9,230 $8,570 $8,570 $20,123 $20,123 $10,436 $10,436
GEICO $3,658 $3,658 $3,751 $3,751 $10,332 $10,332 $3,498 $3,498
Liberty Mutual $13,903 $13,903 $13,769 $13,769 $32,287 $32,287 $13,903 $13,903
Nationwide $4,395 $4,395 $3,913 $3,913 $11,679 $11,679 $4,824 $4,824
Progressive $3,004 $2,776 $2,660 $2,977 $11,152 $11,864 $3,488 $3,199
State Farm $9,395 $9,395 $8,782 $8,782 $33,889 $33,889 $11,057 $11,057
Travelers $6,002 $6,002 $5,154 $5,154 $18,106 $18,106 $6,521 $6,521
USAA $2,778 $2,618 $2,615 $2,459 $6,839 $6,468 $3,381 $3,225

Buy Cheap Saginaw, MI Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Saginaw, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $37,967 $37,967
Farmers $20,123 $20,123
GEICO $10,332 $10,332
Liberty Mutual $32,287 $32,287
Nationwide $11,679 $11,679
Progressive $11,152 $11,864
State Farm $33,889 $33,889
Travelers $18,106 $18,106
USAA $6,839 $6,468

Buy Cheap Saginaw, MI Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Saginaw, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $14,164 $14,164
Farmers $8,570 $8,570
GEICO $3,751 $3,751
Liberty Mutual $13,769 $13,769
Nationwide $3,913 $3,913
Progressive $2,660 $2,977
State Farm $8,782 $8,782
Travelers $5,154 $5,154
USAA $2,615 $2,459

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

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

Annual Auto Insurance Rates by Coverage Level in Saginaw, Michigan

Insurance Company Low Medium High
Allstate $20,343 $20,913 $21,343
Farmers $11,728 $12,057 $12,485
GEICO $4,986 $5,266 $5,677
Liberty Mutual $18,030 $18,422 $18,944
Nationwide $6,495 $6,097 $6,016
Progressive $4,984 $5,146 $5,291
State Farm $14,907 $15,889 $16,546
Travelers $8,851 $8,958 $9,028
USAA $3,683 $3,808 $3,904

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Find Cheap Saginaw, MI Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Saginaw, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $20,866 $20,866
Farmers $12,090 $12,090
GEICO $5,191 $5,428
Liberty Mutual $17,841 $19,090
Nationwide $6,203 $6,203
Progressive $5,140 $5,140
State Farm $15,341 $16,220
Travelers $8,894 $8,997
USAA $3,754 $3,842

Find Cheap Saginaw, MI Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Saginaw, Michigan

ZIP Code Average Annual Rates
48602 $7,927
48604 $6,646
48607 $8,604
48609 $7,020
48603 $6,378
48638 $6,512

Find Cheap Saginaw, MI Auto Insurance Rates by Driving Record

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

Annual Saginaw, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,160 $13,571 $45,513 $14,221
Farmers $10,077 $13,005 $12,802 $12,475
GEICO $1,854 $3,955 $11,987 $3,442
Liberty Mutual $12,627 $15,471 $29,407 $16,357
Nationwide $5,302 $7,103 $6,434 $5,971
Progressive $4,355 $5,733 $5,143 $5,328
State Farm $9,849 $11,912 $26,355 $15,007
Travelers $6,047 $8,643 $13,939 $7,153
USAA $3,051 $3,817 $4,998 $3,326

Find Cheap Saginaw, MI Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Saginaw, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $45,513
Farmers $12,802
GEICO $11,987
Liberty Mutual $29,407
Nationwide $6,434
Progressive $5,143
State Farm $26,355
Travelers $13,939
USAA $4,998

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

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

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

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

Average Annual Auto Insurance Rates by Company in Saginaw, Michigan

Insurance Company Average Annual Rates
Allstate $20,866
Farmers $12,090
GEICO $5,310
Liberty Mutual $18,466
Nationwide $6,203
Progressive $5,140
State Farm $15,781
Travelers $8,946
USAA $3,798

What affects Saginaw, Michigan auto insurance rates?

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

Auto Theft in Saginaw

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Saginaw, MI auto theft show a total of 90 vehicle thefts annually.

Commute Times in Saginaw

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Saginaw, MI is 18.7 minutes according to City-Data.

Traffic in Saginaw

How is traffic in Saginaw, Michigan? Inrix data shows that Saginaw, MI traffic makes it the 939th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Saginaw, MI

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

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