Buy Cheap St. Clair, MI Auto Insurance in 2024
St. Clair, MI auto insurance rates average $858 a month. Minimum auto insurance requirements in St. Clair, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in St. Clair, MI, compare St. Clair auto insurance quotes from top companies.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
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 St. Clair, MI for teens drivers are $19,500/year
- The most expensive auto insurance company in St. Clair is Allstate
- Average auto insurance rates in St. Clair, MI after a DUI are $17,156/year
Finding affordable St. Clair, Michigan auto insurance can be challenging, but everything you need to know to buy cheap St. Clair, MI auto insurance with confidence is right here. Auto insurance rates in St. Clair are affected by local factors as well as personal ones like your driving record.
See how St. Clair, MI car insurance rates compare to Livonia auto insurance rates, Detroit auto insurance rates, and Flint auto insurance rates before you read more about the cost of auto insurance in St. Clair.
Don’t buy St. Clair, MI auto insurance until you’ve compared rates. Get free St. Clair, Michigan auto insurance quotes when you enter your ZIP code above.
St. Clair, MI Minimum Auto Insurance Requirements
The required auto insurance in St. Clair, MI is 20/40/10 according to the auto insurance laws in Michigan. The minimum auto insurance in St. Clair, 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 St. Clair, MI Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in St. Clair, MI. Take a look at St. Clair, Michigan auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $34,120 | $18,904 | $14,489 |
| Farmers | $7,454 | $5,035 | $4,663 |
| Geico | $7,655 | $5,626 | $4,576 |
| Liberty Mutual | $33,591 | $19,394 | $10,699 |
| Nationwide | $9,331 | $7,009 | $5,934 |
| Progressive | $5,945 | $5,022 | $4,529 |
| State Farm | $20,350 | $10,288 | $6,981 |
| Travelers | $8,523 | $8,267 | $8,163 |
| USAA | $5,654 | $3,220 | $2,446 |
Buy Cheap St. Clair, MI Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect St. Clair, Michigan auto insurance rates? Find out how car insurance rates in St. Clair, 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 | $16,411 | $16,411 | $15,231 | $15,231 | $41,080 | $41,080 | $17,296 | $17,296 |
| Farmers | $4,220 | $4,220 | $3,928 | $3,928 | $9,975 | $9,975 | $4,746 | $4,746 |
| Geico | $4,103 | $4,103 | $4,217 | $4,217 | $11,571 | $11,571 | $3,916 | $3,916 |
| Liberty Mutual | $15,999 | $15,999 | $15,844 | $15,844 | $37,070 | $37,070 | $15,999 | $15,999 |
| Nationwide | $5,224 | $5,224 | $4,643 | $4,643 | $14,083 | $14,083 | $5,749 | $5,749 |
| Progressive | $3,004 | $2,776 | $2,665 | $2,976 | $11,236 | $11,971 | $3,491 | $3,205 |
| State Farm | $7,505 | $7,505 | $7,000 | $7,000 | $26,827 | $26,827 | $8,827 | $8,827 |
| Travelers | $5,580 | $5,580 | $4,791 | $4,791 | $16,837 | $16,837 | $6,061 | $6,061 |
| USAA | $2,745 | $2,592 | $2,582 | $2,430 | $6,817 | $6,468 | $3,349 | $3,203 |
Buy Cheap St. Clair, MI Auto Insurance for Teen Drivers
Auto insurance for teenagers in St. Clair can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in St. Clair, MI are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $41,080 | $41,080 |
| Farmers | $9,975 | $9,975 |
| Geico | $11,571 | $11,571 |
| Liberty Mutual | $37,070 | $37,070 |
| Nationwide | $14,083 | $14,083 |
| Progressive | $11,236 | $11,971 |
| State Farm | $26,827 | $26,827 |
| Travelers | $16,837 | $16,837 |
| USAA | $6,817 | $6,468 |
Buy Cheap St. Clair, MI Auto Insurance for Seniors
You can save on senior auto insurance rates in St. Clair, Michigan by comparing St. Clair senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in St. Clair, MI here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $15,231 | $15,231 |
| Farmers | $3,928 | $3,928 |
| Geico | $4,217 | $4,217 |
| Liberty Mutual | $15,844 | $15,844 |
| Nationwide | $4,643 | $4,643 |
| Progressive | $2,665 | $2,976 |
| State Farm | $7,000 | $7,000 |
| Travelers | $4,791 | $4,791 |
| USAA | $2,582 | $2,430 |
Find Cheap Auto Insurance Rates in St. Clair, MI by Coverage Level
The amount of coverage you choose is a big factor in the cost of St. Clair, Michigan auto insurance. Compare St. Clair, MI auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $21,886 | $22,559 | $23,067 |
| Farmers | $5,501 | $5,696 | $5,954 |
| Geico | $5,533 | $5,896 | $6,427 |
| Liberty Mutual | $20,718 | $21,178 | $21,787 |
| Nationwide | $7,722 | $7,312 | $7,240 |
| Progressive | $4,977 | $5,174 | $5,344 |
| State Farm | $11,880 | $12,621 | $13,118 |
| Travelers | $8,230 | $8,325 | $8,397 |
| USAA | $3,666 | $3,782 | $3,872 |
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Find Cheap St. Clair, MI Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in St. Clair. Compare auto insurance rates in St. Clair, 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 | $22,504 | $22,504 |
| Farmers | $5,717 | $5,717 |
| Geico | $5,819 | $6,085 |
| Liberty Mutual | $20,512 | $21,944 |
| Nationwide | $7,425 | $7,425 |
| Progressive | $5,165 | $5,165 |
| State Farm | $12,198 | $12,882 |
| Travelers | $8,270 | $8,365 |
| USAA | $3,730 | $3,817 |
Find Cheap St. Clair, MI Auto Insurance Rates by Driving Record
Auto insurance rates in St. Clair, Michigan are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in St. Clair, MI, take a look at the average cost for various violations versus rates for a clean driving record in St. Clair.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $10,915 | $14,587 | $49,199 | $15,317 |
| Farmers | $4,805 | $6,135 | $6,048 | $5,881 |
| Geico | $2,060 | $4,431 | $13,471 | $3,846 |
| Liberty Mutual | $14,437 | $17,741 | $33,989 | $18,745 |
| Nationwide | $6,329 | $8,525 | $7,704 | $7,141 |
| Progressive | $4,374 | $5,762 | $5,175 | $5,350 |
| State Farm | $7,864 | $9,490 | $20,876 | $11,930 |
| Travelers | $5,616 | $8,033 | $12,980 | $6,641 |
| USAA | $3,031 | $3,793 | $4,964 | $3,305 |
Find Cheap St. Clair, MI Auto Insurance Rates After a DUI
The cost of DUI auto insurance in St. Clair, Michigan is higher than for a clean driving record. You can buy auto insurance after a DUI in St. Clair for less when you shop around and compare rates from multiple St. Clair, MI auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $49,199 |
| Farmers | $6,048 |
| Geico | $13,471 |
| Liberty Mutual | $33,989 |
| Nationwide | $7,704 |
| Progressive | $5,175 |
| State Farm | $20,876 |
| Travelers | $12,980 |
| USAA | $4,964 |
Winners by Category: Where to Buy Cheap Auto Insurance in St. Clair, MI
Compare rates from the cheapest auto insurance companies in St. Clair, MI for your needs. Take a look at how St. Clair, 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 |
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Find Cheap St. Clair, Michigan Auto Insurance Companies
If you’re looking for the cheapest St. Clair, MI auto insurance companies overall, you can compare them here. Find the best price for St. Clair, Michigan car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $22,504 |
| Farmers | $5,717 |
| Geico | $5,952 |
| Liberty Mutual | $21,228 |
| Nationwide | $7,425 |
| Progressive | $5,165 |
| State Farm | $12,540 |
| Travelers | $8,317 |
| USAA | $3,773 |
What affects St. Clair, Michigan auto insurance rates?
Local factors affect auto insurance rates in St. Clair, MI, including traffic, theft statistics, and commute length. Take a look at the things that impact St. Clair auto insurance rates.
Auto Theft in St. Clair
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for St. Clair, MI auto theft show a total of 4 vehicle thefts annually.
Commute Times in St. Clair
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in St. Clair, MI is 29.1 minutes according to City-Data.
Compare Auto Insurance Quotes in St. Clair, MI
You can buy cheap St. Clair, MI auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free St. Clair, Michigan auto insurance quotes from top companies.
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Frequently Asked Questions
How can I find cheap auto insurance in St. Clair, MI?
To find cheap auto insurance in St. Clair, MI, you can follow these steps:
- Compare quotes from multiple insurance providers: Obtain quotes from different insurers to compare prices and coverage options.
- Opt for higher deductibles: Increasing your deductible can lower your premium, but make sure you can afford to pay the deductible amount if needed.
- Maintain a good driving record: A clean driving record with no accidents or traffic violations often results in lower insurance rates.
- Inquire about available discounts: Ask insurance companies about any discounts they offer, such as for safe driving, good grades (for student drivers), or vehicle safety features.
- Consider bundling policies: If you have other insurance needs, bundling your auto insurance with other policies, like home or renters insurance, may lead to discounts.
Are there any specific auto insurance requirements in St. Clair, MI?
Yes, St. Clair, MI, like other places, has specific auto insurance requirements. In Michigan, drivers are required to have no-fault auto insurance, which includes personal injury protection (PIP) coverage. The minimum liability coverage limits in Michigan are $50,000 for bodily injury or death per person, $100,000 for bodily injury or death per accident, and $10,000 for property damage per accident.
What factors can affect the cost of auto insurance in St. Clair, MI?
Several factors can influence the cost of auto insurance in St. Clair, MI, including:
- Your driving record: Drivers with a history of accidents or traffic violations often pay higher premiums.
- Vehicle make and model: Some cars are more expensive to insure due to factors such as repair costs, theft rates, or safety ratings.
- Age and gender: Younger drivers, especially teenagers, generally face higher insurance rates. In some cases, males may also have higher premiums.
- Coverage and deductibles: The level of coverage you choose and the deductibles you select can affect your insurance premium.
- Location: Your ZIP code can impact rates due to factors like crime rates, population density, and traffic patterns.
Can I get auto insurance if I have a bad driving record or past accidents?
Yes, even if you have a bad driving record or past accidents, you can still obtain auto insurance coverage in St. Clair, MI. However, insurance companies may consider you a higher risk and charge you higher premiums. It’s essential to compare quotes from different insurers to find the best coverage options available to you.
How can I lower my auto insurance premiums in St. Clair, MI?
To lower your auto insurance premiums in St. Clair, MI, you can consider the following:
- Maintain a good driving record: Avoid accidents and traffic violations.
- Take advantage of discounts: Inquire with your insurance provider about available discounts, such as for safe driving, multiple policies, or vehicle safety features.
- Review your coverage and deductibles: Assess your coverage needs and adjust them accordingly.
- Bundle your policies: Consider bundling your auto insurance with other policies, like home or renters insurance, for potential discounts.
- Improve your credit score: In some cases, insurers use credit information to determine premiums, so maintaining a good credit score can be beneficial.
How often should I review my auto insurance policy in St. Clair, MI?
It’s generally recommended to review your auto insurance policy in St. Clair, MI annually or whenever there are significant changes in your circumstances. This includes events such as moving to a new address, adding or removing drivers from your policy, purchasing a new vehicle, or experiencing changes in your driving habits. Reviewing your policy allows you to ensure that your coverage still meets your needs and explore opportunities to save on premiums by comparing quotes from different insurers.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
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.