Buy Cheap St. Clair Shores, MI Auto Insurance (2022)

St. Clair Shores, MI auto insurance rates average $1,093 a month. Minimum auto insurance requirements in St. Clair Shores, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in St. Clair Shores, MI, compare St. Clair Shores 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 St. Clair Shores, MI are $1,093/month
  • Average auto insurance rates in St. Clair Shores, MI for teens drivers are $24,613/year
  • Average auto insurance rates in St. Clair Shores, MI after a DUI are $21,334/year

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

See how St. Clair Shores, MI car insurance rates compare to Sterling Heights auto insurance rates, Livonia auto insurance rates, and Flint auto insurance rates before you read more about the cost of auto insurance in St. Clair Shores.

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

St. Clair Shores, MI Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in St. Clair Shores, 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 St. Clair Shores, MI Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in St. Clair Shores, Michigan

Insurance Company Poor Fair Good
Allstate $41,670 $23,048 $17,569
Farmers $28,928 $15,436 $14,328
GEICO $10,831 $7,937 $6,441
Liberty Mutual $32,264 $18,634 $10,289
Nationwide $8,365 $6,294 $5,339
Progressive $6,822 $5,721 $5,122
State Farm $23,820 $12,027 $8,151
Travelers $11,437 $11,087 $10,945
USAA $5,877 $3,347 $2,533

Buy Cheap St. Clair Shores, MI Auto Insurance by Age, Gender, and Marital Status

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in St. Clair Shores, 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 $20,031 $20,031 $18,611 $18,611 $49,970 $49,970 $21,104 $21,104
Farmers $14,718 $14,718 $13,572 $13,572 $33,247 $33,247 $16,720 $16,720
GEICO $5,901 $5,901 $6,038 $6,038 $16,057 $16,057 $5,615 $5,615
Liberty Mutual $15,316 $15,316 $15,166 $15,166 $35,785 $35,785 $15,316 $15,316
Nationwide $4,712 $4,712 $4,191 $4,191 $12,583 $12,583 $5,177 $5,177
Progressive $3,480 $3,197 $3,069 $3,465 $12,741 $13,456 $4,041 $3,659
State Farm $8,759 $8,759 $8,172 $8,172 $31,427 $31,427 $10,307 $10,307
Travelers $7,464 $7,464 $6,400 $6,400 $22,645 $22,645 $8,116 $8,116
USAA $2,873 $2,702 $2,704 $2,539 $7,060 $6,659 $3,493 $3,324

Buy Cheap St. Clair Shores, MI Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in St. Clair Shores, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $49,970 $49,970
Farmers $33,247 $33,247
GEICO $16,057 $16,057
Liberty Mutual $35,785 $35,785
Nationwide $12,583 $12,583
Progressive $12,741 $13,456
State Farm $31,427 $31,427
Travelers $22,645 $22,645
USAA $7,060 $6,659

Buy Cheap St. Clair Shores, MI Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in St. Clair Shores, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $18,611 $18,611
Farmers $13,572 $13,572
GEICO $6,038 $6,038
Liberty Mutual $15,166 $15,166
Nationwide $4,191 $4,191
Progressive $3,069 $3,465
State Farm $8,172 $8,172
Travelers $6,400 $6,400
USAA $2,704 $2,539

Find Cheap Auto Insurance Rates in St. Clair Shores, MI by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in St. Clair Shores, Michigan

Insurance Company Low Medium High
Allstate $26,772 $27,487 $28,028
Farmers $19,041 $19,512 $20,140
GEICO $7,836 $8,319 $9,054
Liberty Mutual $19,929 $20,350 $20,907
Nationwide $6,955 $6,559 $6,483
Progressive $5,691 $5,895 $6,080
State Farm $13,887 $14,762 $15,349
Travelers $11,055 $11,166 $11,247
USAA $3,803 $3,929 $4,026

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap St. Clair Shores, MI Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in St. Clair Shores, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $27,429 $27,429
Farmers $19,564 $19,564
GEICO $8,211 $8,595
Liberty Mutual $19,700 $21,091
Nationwide $6,666 $6,666
Progressive $5,888 $5,888
State Farm $14,265 $15,067
Travelers $11,092 $11,221
USAA $3,874 $3,965

Find Cheap St. Clair Shores, MI Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in St. Clair Shores, Michigan

ZIP Code Average Annual Rates
48080 $9,535
48081 $8,868
48082 $9,667

Find Cheap St. Clair Shores, MI Auto Insurance Rates by Driving Record

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

Annual St. Clair Shores, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $13,192 $17,677 $60,243 $18,604
Farmers $16,254 $21,078 $20,686 $20,238
GEICO $2,905 $6,235 $19,047 $5,425
Liberty Mutual $14,046 $17,131 $32,272 $18,134
Nationwide $5,692 $7,639 $6,917 $6,416
Progressive $4,962 $6,578 $5,904 $6,111
State Farm $9,177 $11,086 $24,450 $13,950
Travelers $7,561 $10,789 $17,326 $8,948
USAA $3,147 $3,941 $5,158 $3,431

Find Cheap St. Clair Shores, MI Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in St. Clair Shores, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $60,243
Farmers $20,686
GEICO $19,047
Liberty Mutual $32,272
Nationwide $6,917
Progressive $5,904
State Farm $24,450
Travelers $17,326
USAA $5,158

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Winners by Category: Where to Buy Cheap Auto Insurance in St. Clair Shores, MI

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

Best Annual Auto Insurance Rates by Company in St. Clair Shores, 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 St. Clair Shores, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in St. Clair Shores, Michigan

Insurance Company Average Annual Rates
Allstate $27,429
Farmers $19,564
GEICO $8,403
Liberty Mutual $20,396
Nationwide $6,666
Progressive $5,889
State Farm $14,666
Travelers $11,156
USAA $3,919

What affects St. Clair Shores, Michigan auto insurance rates?

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

Auto Theft in St. Clair Shores

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for St. Clair Shores, MI auto theft show a total of 55 vehicle thefts annually.

Commute Times in St. Clair Shores

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in St. Clair Shores, MI is 27.0 minutes according to City-Data.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Compare Auto Insurance Quotes in St. Clair Shores, MI

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

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption