Best Addison, MI Car Insurance in 2024
Car insurance in Addison, MI averages $719 a month. Addison, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Addison car insurance rates, compare quotes from the top car insurance companies in Addison, MI.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Oct 24, 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 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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: Oct 24, 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 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Addison, MI are $8,624/year
- The cheapest car insurance company in Addison for teen drivers is USAA
- Average car insurance rates in Addison, MI after a DUI are $14,576/year
If you need to buy Addison, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Addison, MI is right here.
You’ll find Addison car insurance rates, the cheapest Addison, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Addison, Michigan car insurance rates to Detroit car insurance rates, Sterling Heights car insurance rates, and Lansing car insurance rates.
Ready to find affordable Addison, MI car insurance today? Enter your ZIP code for fast, free Addison car insurance quotes.
Cheapest Addison, MI Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Addison, MI car insurance rates? Every Addison, Michigan car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $15,446 | $15,446 | $14,368 | $14,368 | $37,793 | $37,793 | $16,262 | $16,262 |
| Farmers | $3,590 | $3,590 | $3,355 | $3,355 | $7,888 | $7,888 | $4,026 | $4,026 |
| Geico | $3,806 | $3,806 | $3,871 | $3,871 | $10,245 | $10,245 | $3,628 | $3,628 |
| Liberty Mutual | $13,502 | $13,502 | $13,369 | $13,369 | $31,726 | $31,726 | $13,502 | $13,502 |
| Nationwide | $2,608 | $2,608 | $2,355 | $2,355 | $5,982 | $5,982 | $2,809 | $2,809 |
| Progressive | $2,632 | $2,455 | $2,332 | $2,592 | $9,395 | $10,002 | $3,053 | $2,831 |
| State Farm | $6,662 | $6,662 | $6,143 | $6,143 | $22,804 | $22,804 | $7,803 | $7,803 |
| Travelers | $4,480 | $4,480 | $3,858 | $3,858 | $13,395 | $13,395 | $4,862 | $4,862 |
| USAA | $2,347 | $2,217 | $2,212 | $2,086 | $5,635 | $5,330 | $2,840 | $2,714 |
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Minimum Car Insurance in Addison, MI
Every driver must carry the minimum car insurance in Addison, MI. Take a look at the Michigan car insurance requirements.
| 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 |
Cheapest Addison, MI Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Addison, MI. Compare credit history car insurance rates in Addison from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $31,903 | $17,621 | $13,379 |
| Farmers | $6,225 | $4,117 | $3,802 |
| Geico | $6,923 | $5,093 | $4,146 |
| Liberty Mutual | $28,504 | $16,469 | $9,101 |
| Nationwide | $4,285 | $3,243 | $2,788 |
| Progressive | $5,085 | $4,284 | $3,865 |
| State Farm | $17,594 | $8,909 | $6,055 |
| Travelers | $6,813 | $6,608 | $6,525 |
| USAA | $4,725 | $2,718 | $2,075 |
Cheapest Addison, MI Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Addison, MI to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $10,225 | $13,685 | $45,671 | $14,288 |
| Farmers | $3,972 | $5,043 | $4,982 | $4,861 |
| Geico | $1,929 | $4,019 | $12,085 | $3,517 |
| Liberty Mutual | $12,534 | $15,189 | $28,276 | $16,099 |
| Nationwide | $2,971 | $3,886 | $3,573 | $3,324 |
| Progressive | $3,751 | $4,899 | $4,421 | $4,574 |
| State Farm | $7,022 | $8,354 | $17,683 | $10,353 |
| Travelers | $4,510 | $6,426 | $10,331 | $5,327 |
| USAA | $2,560 | $3,186 | $4,159 | $2,786 |
Cheapest Addison, MI Car Insurance for Teen Drivers
Teen car insurance in Addison, MI can be expensive. Take a look at rates from the top car insurance companies in Addison for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $37,793 | $37,793 |
| Farmers | $7,888 | $7,888 |
| Geico | $10,245 | $10,245 |
| Liberty Mutual | $31,726 | $31,726 |
| Nationwide | $5,982 | $5,982 |
| Progressive | $9,395 | $10,002 |
| State Farm | $22,804 | $22,804 |
| Travelers | $13,395 | $13,395 |
| USAA | $5,635 | $5,330 |
Cheapest Addison, MI Car Insurance for Seniors
Take a look at Addison, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $14,368 | $14,368 |
| Farmers | $3,355 | $3,355 |
| Geico | $3,871 | $3,871 |
| Liberty Mutual | $13,369 | $13,369 |
| Nationwide | $2,355 | $2,355 |
| Progressive | $2,332 | $2,592 |
| State Farm | $6,143 | $6,143 |
| Travelers | $3,858 | $3,858 |
| USAA | $2,212 | $2,086 |
Cheapest Addison, MI Car Insurance Rates After a DUI
A DUI in Addison, MI increases car insurance rates. Compare Addison, Michigan DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $45,671 |
| Farmers | $4,982 |
| Geico | $12,085 |
| Liberty Mutual | $28,276 |
| Nationwide | $3,573 |
| Progressive | $4,421 |
| State Farm | $17,683 |
| Travelers | $10,331 |
| USAA | $4,159 |
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Cheapest Addison, MI Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Addison, MI by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $20,968 | $20,968 |
| Farmers | $4,715 | $4,715 |
| Geico | $5,263 | $5,512 |
| Liberty Mutual | $17,405 | $18,644 |
| Nationwide | $3,438 | $3,438 |
| Progressive | $4,411 | $4,411 |
| State Farm | $10,562 | $11,144 |
| Travelers | $6,611 | $6,686 |
| USAA | $3,137 | $3,209 |
The Best Cheap Car Insurance Companies in Addison, MI
Take a look at a side-by-side comparison of the top car insurance companies in Addison, MI to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $20,968 |
| Farmers | $4,715 |
| Geico | $5,387 |
| Liberty Mutual | $18,025 |
| Nationwide | $3,438 |
| Progressive | $4,411 |
| State Farm | $10,853 |
| Travelers | $6,649 |
| USAA | $3,173 |
Category Winners: Cheapest Car Insurance in Addison, Michigan
Find the cheapest car insurance companies in Addison, MI for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | Nationwide |
| With 1 Speeding Violation | USAA |
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Cheapest Addison, MI Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Addison car insurance rates. Find the cheapest Addison, MI car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $20,507 | $21,008 | $21,387 |
| Farmers | $4,598 | $4,705 | $4,842 |
| Geico | $5,006 | $5,336 | $5,820 |
| Liberty Mutual | $17,614 | $17,984 | $18,475 |
| Nationwide | $3,583 | $3,386 | $3,347 |
| Progressive | $4,259 | $4,418 | $4,557 |
| State Farm | $10,332 | $10,917 | $11,310 |
| Travelers | $6,575 | $6,656 | $6,715 |
| USAA | $3,077 | $3,180 | $3,261 |
What affects car insurance rates in Addison, Michigan?
What factors can have an impact on Addison, MI car insurance? There are several reasons why Addison car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Addison, Michigan.
Commute Time in Addison
The more time you spend in your car the higher the risk of an accident. The average commute length in Addison, MI is 24.6 minutes according to City-Data.
Compare Car Insurance Quotes in Addison, MI
Ready to find affordable Addison, Michigan car insurance today? Enter your ZIP code for fast, free Addison, MI car insurance quotes.
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Frequently Asked Questions
Why should I compare car insurance rates in Addison, MI?
Comparing car insurance rates in Addison, MI is essential because it allows you to find the best coverage at the most affordable price. Insurance rates can vary significantly between providers, and by comparing quotes, you can ensure that you’re getting the best value for your money.
How can I compare car insurance rates in Addison, MI?
To compare car insurance rates in Addison, MI, you can follow these steps:
- Gather necessary information: Make a note of your vehicle details, driving history, and any specific coverage requirements.
- Research insurance providers: Look for reputable insurance companies that offer coverage in Addison, MI.
- Request quotes: Contact insurance providers directly or use online comparison tools to obtain quotes from multiple companies.
- Review coverage options: Compare the coverage limits, deductibles, and additional features offered by each provider.
- Consider customer reviews and ratings: Check online reviews and ratings to gauge the customer satisfaction and reliability of the insurance companies.
- Evaluate costs: Compare the premiums quoted by different insurers, taking into account the coverage provided and any discounts available.
- Make an informed decision: Choose the insurance policy that meets your needs and offers the best value for your budget.
What factors can affect car insurance rates in Addison, MI?
Several factors can impact car insurance rates in Addison, MI. These factors typically include:
- Your driving record: A clean driving history with no accidents or traffic violations usually results in lower rates.
- Vehicle make and model: The type of vehicle you drive, its age, and its safety features can influence insurance costs.
- Coverage and deductibles: The level of coverage you choose and the deductible amount you’re willing to pay can affect your rates.
- Age and gender: Younger drivers, especially teenagers, typically pay higher premiums than older, more experienced drivers.
- Credit history: In some cases, insurance companies may consider your credit score when determining your rates.
- Location: Insurance rates can vary based on where you live due to factors like crime rates and the frequency of accidents in the area.
Are there any specific auto insurance requirements in Addison, MI?
Yes, there are specific auto insurance requirements in Addison, MI. The state of Michigan follows a no-fault insurance system, which means that drivers are required to carry certain coverages. The mandatory coverages in Michigan include Personal Injury Protection (PIP) coverage, Property Protection Insurance (PPI), and Residual Liability Insurance, which includes Bodily Injury and Property Damage liability coverage. It’s important to comply with these requirements to ensure you have the necessary protection while driving in Addison, MI.
Can I get discounts on car insurance in Addison, MI?
Yes, many insurance companies offer various discounts on car insurance in Addison, MI. The availability and types of discounts may vary between providers, but common discounts include:
- Good driver discounts for maintaining a clean driving record.
- Multi-policy discounts for bundling multiple insurance policies with the same company.
- Safety feature discounts for having certain safety features in your vehicle.
- Good student discounts for students who maintain a certain GPA.
- Discounts for completing defensive driving courses.
- Low mileage discounts for drivers who don’t travel long distances regularly.
- Discounts for anti-theft devices installed in your vehicle.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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.