Buy Cheap Gwinn, MI Auto Insurance in 2024
Gwinn, MI auto insurance rates average $704 a month. Minimum auto insurance requirements in Gwinn, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Gwinn, MI, compare Gwinn auto insurance quotes from top companies.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
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: Aug 26, 2024
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 Gwinn, MI are $704/month
- Average auto insurance rates in Gwinn, MI for teens drivers are $15,855/year
- Average auto insurance rates in Gwinn, MI after a DUI are $13,961/year
Finding affordable Gwinn, Michigan auto insurance can be challenging, but everything you need to know to buy cheap Gwinn, MI auto insurance with confidence is right here. Auto insurance rates in Gwinn are affected by local factors as well as personal ones like your driving record.
See how Gwinn, MI car insurance rates compare to Troy auto insurance rates, Warren auto insurance rates, and Flint auto insurance rates before you read more about the cost of auto insurance in Gwinn.
Don’t buy Gwinn, MI auto insurance until you’ve compared rates. Get free Gwinn, Michigan auto insurance quotes when you enter your ZIP code above.
Gwinn, MI Minimum Auto Insurance Requirements
The required auto insurance in Gwinn, MI is 20/40/10 according to the auto insurance laws in Michigan. The minimum auto insurance in Gwinn, Michigan is outlined here.
Minimum Required Auto Insurance Coverage in Gwinn, 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 Gwinn, MI Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Gwinn, MI. Take a look at Gwinn, Michigan auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Gwinn, Michigan
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $29,571 | $16,285 | $12,295 |
| Farmers | $5,852 | $3,951 | $3,661 |
| Geico | $6,104 | $4,497 | $3,665 |
| Liberty Mutual | $27,174 | $15,706 | $8,682 |
| Nationwide | $6,547 | $4,963 | $4,242 |
| Progressive | $4,879 | $4,125 | $3,742 |
| State Farm | $15,339 | $7,783 | $5,299 |
| Travelers | $7,919 | $7,680 | $7,583 |
| USAA | $5,217 | $2,972 | $2,277 |
Buy Cheap Gwinn, MI Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Gwinn, Michigan auto insurance rates? Find out how car insurance rates in Gwinn, MI are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Gwinn, 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 | $14,412 | $14,412 | $13,431 | $13,431 | $34,530 | $34,530 | $15,163 | $15,163 |
| Farmers | $3,377 | $3,377 | $3,144 | $3,144 | $7,638 | $7,638 | $3,794 | $3,794 |
| Geico | $3,265 | $3,265 | $3,311 | $3,311 | $9,314 | $9,314 | $3,131 | $3,131 |
| Liberty Mutual | $12,802 | $12,802 | $12,673 | $12,673 | $30,473 | $30,473 | $12,802 | $12,802 |
| Nationwide | $3,742 | $3,742 | $3,325 | $3,325 | $9,836 | $9,836 | $4,099 | $4,099 |
| Progressive | $2,502 | $2,359 | $2,217 | $2,438 | $9,056 | $9,743 | $2,914 | $2,760 |
| State Farm | $5,777 | $5,777 | $5,341 | $5,341 | $20,000 | $20,000 | $6,776 | $6,776 |
| Travelers | $5,193 | $5,193 | $4,461 | $4,461 | $15,616 | $15,616 | $5,639 | $5,639 |
| USAA | $2,528 | $2,417 | $2,374 | $2,258 | $6,232 | $5,983 | $3,105 | $3,010 |
Buy Cheap Gwinn, MI Auto Insurance for Teen Drivers
Auto insurance for teenagers in Gwinn can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Gwinn, MI are listed here.
Annual Auto Insurance Rates for Teen Drivers in Gwinn, Michigan
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $34,530 | $34,530 |
| Farmers | $7,638 | $7,638 |
| Geico | $9,314 | $9,314 |
| Liberty Mutual | $30,473 | $30,473 |
| Nationwide | $9,836 | $9,836 |
| Progressive | $9,056 | $9,743 |
| State Farm | $20,000 | $20,000 |
| Travelers | $15,616 | $15,616 |
| USAA | $6,232 | $5,983 |
Buy Cheap Gwinn, MI Auto Insurance for Seniors
You can save on senior auto insurance rates in Gwinn, Michigan by comparing Gwinn senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Gwinn, MI here.
Annual Auto Insurance Rates for Senior Drivers in Gwinn, Michigan
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $13,431 | $13,431 |
| Farmers | $3,144 | $3,144 |
| Geico | $3,311 | $3,311 |
| Liberty Mutual | $12,673 | $12,673 |
| Nationwide | $3,325 | $3,325 |
| Progressive | $2,217 | $2,438 |
| State Farm | $5,341 | $5,341 |
| Travelers | $4,461 | $4,461 |
| USAA | $2,374 | $2,258 |
Find Cheap Auto Insurance Rates in Gwinn, MI by Coverage Level
The amount of coverage you choose is a big factor in the cost of Gwinn, Michigan auto insurance. Compare Gwinn, MI auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Gwinn, Michigan
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $18,944 | $19,423 | $19,784 |
| Farmers | $4,377 | $4,478 | $4,609 |
| Geico | $4,447 | $4,713 | $5,105 |
| Liberty Mutual | $16,785 | $17,149 | $17,629 |
| Nationwide | $5,484 | $5,164 | $5,104 |
| Progressive | $4,133 | $4,254 | $4,359 |
| State Farm | $9,036 | $9,527 | $9,857 |
| Travelers | $7,640 | $7,737 | $7,805 |
| USAA | $3,380 | $3,498 | $3,588 |
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Find Cheap Gwinn, MI Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Gwinn. Compare auto insurance rates in Gwinn, MI by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Gwinn, Michigan
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $19,384 | $19,384 |
| Farmers | $4,488 | $4,488 |
| Geico | $4,646 | $4,864 |
| Liberty Mutual | $16,587 | $17,788 |
| Nationwide | $5,251 | $5,251 |
| Progressive | $4,249 | $4,249 |
| State Farm | $9,225 | $9,722 |
| Travelers | $7,683 | $7,771 |
| USAA | $3,449 | $3,528 |
Find Cheap Gwinn, MI Auto Insurance Rates by Driving Record
Auto insurance rates in Gwinn, Michigan are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Gwinn, MI, take a look at the average cost for various violations versus rates for a clean driving record in Gwinn.
Annual Gwinn, Michigan Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $9,561 | $12,794 | $41,923 | $13,257 |
| Farmers | $3,780 | $4,805 | $4,737 | $4,631 |
| Geico | $1,705 | $3,550 | $10,649 | $3,117 |
| Liberty Mutual | $12,187 | $14,583 | $26,480 | $15,500 |
| Nationwide | $4,513 | $5,964 | $5,456 | $5,070 |
| Progressive | $3,633 | $4,709 | $4,245 | $4,408 |
| State Farm | $6,066 | $7,251 | $15,548 | $9,029 |
| Travelers | $5,235 | $7,468 | $12,018 | $6,188 |
| USAA | $2,808 | $3,494 | $4,591 | $3,061 |
Find Cheap Gwinn, MI Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Gwinn, Michigan is higher than for a clean driving record. You can buy auto insurance after a DUI in Gwinn for less when you shop around and compare rates from multiple Gwinn, MI auto insurance companies.
Annual Auto Insurance Rates After a DUI in Gwinn, Michigan
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $41,923 |
| Farmers | $4,737 |
| Geico | $10,649 |
| Liberty Mutual | $26,480 |
| Nationwide | $5,456 |
| Progressive | $4,245 |
| State Farm | $15,548 |
| Travelers | $12,018 |
| USAA | $4,591 |
Winners by Category: Where to Buy Cheap Auto Insurance in Gwinn, MI
Compare rates from the cheapest auto insurance companies in Gwinn, MI for your needs. Take a look at how Gwinn, Michigan auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Gwinn, Michigan
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | USAA |
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Find Cheap Gwinn, Michigan Auto Insurance Companies
If you’re looking for the cheapest Gwinn, MI auto insurance companies overall, you can compare them here. Find the best price for Gwinn, Michigan car insurance by company.
Average Annual Auto Insurance Rates by Company in Gwinn, Michigan
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $19,384 |
| Farmers | $4,488 |
| Geico | $4,755 |
| Liberty Mutual | $17,188 |
| Nationwide | $5,251 |
| Progressive | $4,249 |
| State Farm | $9,474 |
| Travelers | $7,727 |
| USAA | $3,489 |
What affects Gwinn, Michigan auto insurance rates?
Local factors affect auto insurance rates in Gwinn, MI, including traffic, theft statistics, and commute length. Take a look at the things that impact Gwinn auto insurance rates.
Commute Times in Gwinn
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Gwinn, MI is 22.8 minutes according to City-Data.
Compare Auto Insurance Quotes in Gwinn, MI
You can buy cheap Gwinn, MI auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Gwinn, Michigan auto insurance quotes from top companies.
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Frequently Asked Questions
How can I find cheap auto insurance in Gwinn, MI?
To find cheap auto insurance in Gwinn, MI, you can follow these steps:
- Shop around: Obtain quotes from multiple insurance providers to compare prices.
- Increase deductibles: Opting for a higher deductible can lower your premium, but remember to choose a deductible you can afford to pay out of pocket.
- Bundle policies: Consider bundling your auto insurance with other policies, such as homeowners or renters insurance, as this can often lead to discounts.
- Maintain a clean driving record: Avoid traffic violations and accidents to maintain a good driving record, as insurance companies usually offer lower rates to drivers with a clean history.
- Take advantage of discounts: Inquire about available discounts, such as safe driver discounts, multi-car discounts, or discounts for anti-theft devices or safety features in your vehicle.
What factors affect auto insurance rates in Gwinn, MI?
Several factors can influence auto insurance rates in Gwinn, MI. Here are some common ones:
- Your driving record: Insurance companies consider your driving history, including any accidents, traffic violations, or claims you have made in the past.
- Vehicle type: The make, model, and age of your vehicle can affect insurance rates. Generally, newer or high-performance cars may have higher premiums.
- Coverage limits: The amount of coverage you choose impacts your premium. Higher coverage limits often result in higher premiums.
- Deductible amount: A higher deductible usually leads to a lower premium, but it means you’ll have to pay more out of pocket in the event of a claim.
- Location: Where you live plays a role in insurance rates. Factors such as crime rates, traffic congestion, and the frequency of accidents in your area can impact premiums.
- Credit history: In some states, insurance companies may consider your credit history when determining rates.
Are there any specific auto insurance requirements in Gwinn, MI?
Yes, there are specific auto insurance requirements in Gwinn, MI, as mandated by the state. Michigan follows a no-fault insurance system. The basic requirements include:
- Personal Injury Protection (PIP): Every driver must have PIP coverage, which provides benefits for medical expenses, lost wages, and other related costs resulting from an auto accident, regardless of who is at fault.
- Property Protection (PPI): PPI coverage is required to pay for damages you cause to others’ property in Michigan.
- Bodily Injury Liability (BI): While not required, drivers have the option to purchase BI coverage, which provides benefits if you injure someone in an out-of-state accident.
Can I legally drive without auto insurance in Gwinn, MI?
No, it is illegal to drive without auto insurance in Gwinn, MI. Michigan law mandates that all drivers maintain the minimum required auto insurance coverage. Failure to comply with these requirements can result in penalties, such as fines, license suspension, and vehicle registration suspension.
How can I obtain auto insurance quotes in Gwinn, MI?
You can obtain auto insurance quotes in Gwinn, MI through various methods, including:
- Online insurance comparison websites: Use websites that provide multiple quotes from different insurance companies by entering your information once.
- Directly contacting insurance providers: Reach out to insurance companies either through their websites, phone numbers, or local offices to request quotes.
- Consulting with an insurance agent: Contact a local insurance agent who can provide personalized assistance and gather quotes from multiple insurers on your behalf.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
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.