Cheap Quotes for Coldwater, MI Car Insurance (2024)
Coldwater, Michigan car insurance rates average $738 a month and Michigan law requires coverage of at least 20/40/10. By comparing rates from multiple Coldwater, MI companies, you can find cheap Coldwater car insurance quotes to fit your needs and budget.
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different 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
- The cheapest car insurance company in Coldwater is USAA
- Average car insurance rates in Coldwater, MI after a DUI are $14,783/year
- Average car insurance rates in Coldwater, MI for senior drivers are $5,883/year
How do the Coldwater, Michigan monthly average car insurance rates of $738/month compare to nearby cities like Livonia car insurance rates, Grand Rapids car insurance rates, and Troy car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Coldwater, MI.
We’ll cover the Michigan minimum coverage requirements, Michigan car insurance laws, and Coldwater, MI statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Coldwater, Michigan companies to find the most affordable Coldwater car insurance rates.
Enter your ZIP code above to find cheap Coldwater, MI car insurance quotes today.
What are the minimum Coldwater, MI car insurance requirements?
To meet Michigan minimum car insurance coverage requirements, Coldwater, MI drivers need to carry at least 20/40/10 coverage.
| 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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How do age, gender, and marital status affect Coldwater, MI car insurance rates?
Three of the criteria that most affect car insurance rates in Coldwater, Michigan are age, gender, and marital status. Let’s take a look at how each of these stack up with top Coldwater car insurance companies.
| 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 | $15,512 | $15,512 | $14,414 | $14,414 | $38,399 | $38,399 | $16,342 | $16,342 |
| Farmers | $3,515 | $3,515 | $3,283 | $3,283 | $7,670 | $7,670 | $3,938 | $3,938 |
| Geico | $3,663 | $3,663 | $3,717 | $3,717 | $10,239 | $10,239 | $3,504 | $3,504 |
| Liberty Mutual | $13,638 | $13,638 | $13,501 | $13,501 | $32,257 | $32,257 | $13,638 | $13,638 |
| Nationwide | $3,916 | $3,916 | $3,483 | $3,483 | $10,196 | $10,196 | $4,285 | $4,285 |
| Progressive | $2,846 | $2,655 | $2,511 | $2,805 | $10,065 | $10,687 | $3,310 | $3,064 |
| State Farm | $6,196 | $6,196 | $5,718 | $5,718 | $21,258 | $21,258 | $7,258 | $7,258 |
| Travelers | $4,480 | $4,480 | $3,858 | $3,858 | $13,395 | $13,395 | $4,862 | $4,862 |
| USAA | $2,529 | $2,414 | $2,374 | $2,254 | $6,205 | $5,946 | $3,100 | $3,000 |
How much do teen drivers pay for car insurance in Coldwater, MI?
Coldwater, Michigan car insurance rates for teens are often higher than rates for other drivers. Compare Coldwater car insurance rates from multiple Coldwater, Michigan car insurance companies to get the best deal.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $38,399 | $38,399 |
| Farmers | $7,670 | $7,670 |
| Geico | $10,239 | $10,239 |
| Liberty Mutual | $32,257 | $32,257 |
| Nationwide | $10,196 | $10,196 |
| Progressive | $10,065 | $10,687 |
| State Farm | $21,258 | $21,258 |
| Travelers | $13,395 | $13,395 |
| USAA | $6,205 | $5,946 |
How much do senior drivers pay for car insurance in Coldwater, MI?
With a little research, seniors can find affordable car insurance in Coldwater, Michigan. Here’s a look at how the top Coldwater car insurance companies stack up.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $14,414 | $14,414 |
| Farmers | $3,283 | $3,283 |
| Geico | $3,717 | $3,717 |
| Liberty Mutual | $13,501 | $13,501 |
| Nationwide | $3,483 | $3,483 |
| Progressive | $2,511 | $2,805 |
| State Farm | $5,718 | $5,718 |
| Travelers | $3,858 | $3,858 |
| USAA | $2,374 | $2,254 |
How does coverage level affect Coldwater, MI car insurance rates?
How much coverage do you need? Are you comfortable with the Michigan minimum of 20/40/10 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Coldwater, MI car insurance rates will be. Let’s take a look.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $20,509 | $21,225 | $21,767 |
| Farmers | $4,489 | $4,592 | $4,722 |
| Geico | $4,923 | $5,232 | $5,687 |
| Liberty Mutual | $17,781 | $18,212 | $18,782 |
| Nationwide | $5,725 | $5,377 | $5,308 |
| Progressive | $4,611 | $4,749 | $4,869 |
| State Farm | $9,627 | $10,167 | $10,529 |
| Travelers | $6,575 | $6,656 | $6,715 |
| USAA | $3,385 | $3,485 | $3,563 |
How does your driving record affect Coldwater, MI car insurance rates?
Safe driving pays off. The more traffic violations you have in Coldwater, MI, the higher your car insurance rates will be. Compare rates based on driving infractions from top Coldwater, Michigan companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $10,319 | $13,802 | $46,121 | $14,426 |
| Farmers | $3,881 | $4,921 | $4,860 | $4,744 |
| Geico | $1,886 | $3,938 | $11,846 | $3,453 |
| Liberty Mutual | $12,830 | $15,436 | $28,384 | $16,383 |
| Nationwide | $4,693 | $6,223 | $5,685 | $5,279 |
| Progressive | $4,025 | $5,270 | $4,751 | $4,925 |
| State Farm | $6,523 | $7,770 | $16,498 | $9,640 |
| Travelers | $4,510 | $6,426 | $10,331 | $5,327 |
| USAA | $2,801 | $3,485 | $4,572 | $3,053 |
How does a DUI affect Coldwater, MI car insurance rates?
With even one DUI on your record, you can see an increase in your Coldwater, MI car insurance rates.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $46,121 |
| Farmers | $4,860 |
| Geico | $11,846 |
| Liberty Mutual | $28,384 |
| Nationwide | $5,685 |
| Progressive | $4,751 |
| State Farm | $16,498 |
| Travelers | $10,331 |
| USAA | $4,572 |
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How does your credit history affect Coldwater, MI car insurance rates?
Take a look at the data here to see how your Coldwater, Michigan car insurance rates are affected by your credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $32,101 | $17,783 | $13,617 |
| Farmers | $6,069 | $4,020 | $3,715 |
| Geico | $6,785 | $4,992 | $4,065 |
| Liberty Mutual | $28,872 | $16,683 | $9,220 |
| Nationwide | $6,841 | $5,165 | $4,405 |
| Progressive | $5,486 | $4,602 | $4,140 |
| State Farm | $16,375 | $8,301 | $5,647 |
| Travelers | $6,813 | $6,608 | $6,525 |
| USAA | $5,205 | $2,963 | $2,266 |
How does your commute affect Coldwater, MI car insurance rates?
Coldwater, MI car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Michigan can be seen here. Remember, though, that you may have to carry substantially more car insurance in Coldwater if you’re financing.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $21,167 | $21,167 |
| Farmers | $4,601 | $4,601 |
| Geico | $5,159 | $5,402 |
| Liberty Mutual | $17,626 | $18,891 |
| Nationwide | $5,470 | $5,470 |
| Progressive | $4,743 | $4,743 |
| State Farm | $9,838 | $10,377 |
| Travelers | $6,611 | $6,686 |
| USAA | $3,438 | $3,517 |
Who has the cheapest Coldwater, MI car insurance rates?
Here’s a breakdown of Coldwater, Michigan car insurance rates by company. You can see which company offers the cheapest Coldwater car insurance rates in 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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What are the top Coldwater, MI car insurance companies?
Which Coldwater, Michigan car insurance company will best fit your needs and budget? Check out this comparison of the top Coldwater companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $21,167 |
| Farmers | $4,601 |
| Geico | $5,281 |
| Liberty Mutual | $18,258 |
| Nationwide | $5,470 |
| Progressive | $4,743 |
| State Farm | $10,108 |
| Travelers | $6,649 |
| USAA | $3,478 |
What factors affect Coldwater, MI car insurance rates?
Why are Coldwater, Michigan car insurance rates different than rates in Livonia or Grand Rapids? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.
What is the car theft rate in Coldwater, MI?
FBI statistics show that the Coldwater, Michigan car theft rate is 16 thefts each year. High theft rates can lead to higher than average Coldwater, MI car insurance rates.
How long is the average commute in Coldwater, MI?
More time spent behind the wheel can lead to higher Coldwater, Michigan car insurance rates. In Coldwater, MI, the average commute length is 17.2 minutes.
Car Insurance Quotes for Coldwater, MI
Shop for affordable Coldwater, Michigan car insurance rates today. Enter your ZIP code to compare quotes from multiple Coldwater, MI car insurance companies.
Compare quotes from the top car insurance companies and save
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.