Buy Cheap Saginaw, MI Auto Insurance in 2024
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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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
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 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
Frequently Asked Questions
What factors should I consider when buying auto insurance in Saginaw, MI in 2023?
When buying auto insurance in Saginaw, MI, in 2023, consider factors such as coverage options, deductible amounts, premium costs, the insurer’s reputation, customer service quality, and any additional benefits or discounts offered.
How can I find cheap auto insurance in Saginaw, MI in 2023?
To find cheap auto insurance in Saginaw, MI, in 2023, you can compare quotes from multiple insurance companies, consider higher deductibles, maintain a clean driving record, bundle policies with the same insurer, and inquire about any available discounts.
What types of auto insurance coverage are available in Saginaw, MI in 2023?
The types of auto insurance coverage available in Saginaw, MI, in 2023 typically include liability coverage, personal injury protection (PIP), uninsured/underinsured motorist coverage, collision coverage, comprehensive coverage, and optional add-ons like roadside assistance.
Is it necessary to have auto insurance in Saginaw, MI in 2023?
Yes, it is necessary to have auto insurance in Saginaw, MI, in 2023. Michigan law requires drivers to carry minimum liability coverage, personal injury protection (PIP), and property protection insurance (PPI) to legally operate a vehicle.
What should I do if I’m involved in an auto accident in Saginaw, MI in 2023?
If you’re involved in an auto accident in Saginaw, MI, in 2023, make sure to prioritize safety first. Contact the police and your insurance company to report the incident. Gather information from the other party involved, take photos if possible, and cooperate with the claims process.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
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.