Buy Cheap Alpena, MI Auto Insurance in 2024
Alpena, MI auto insurance rates average $740 a month. Minimum auto insurance requirements in Alpena, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Alpena, MI, compare Alpena auto insurance quotes from top companies.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Nov 6, 2023
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: Nov 6, 2023
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 Alpena, MI after a DUI are $14,579/year
- The most expensive auto insurance company in Alpena is Allstate
- The most expensive auto insurance company in Alpena after a DUI is Allstate
Finding affordable Alpena, Michigan auto insurance can be challenging, but everything you need to know to buy cheap Alpena, MI auto insurance with confidence is right here. Auto insurance rates in Alpena are affected by local factors as well as personal ones like your driving record.
See how Alpena, MI car insurance rates compare to Troy auto insurance rates, Sterling Heights auto insurance rates, and Warren auto insurance rates before you read more about the cost of auto insurance in Alpena.
Don’t buy Alpena, MI auto insurance until you’ve compared rates. Get free Alpena, Michigan auto insurance quotes when you enter your ZIP code above.
Table of Contents
Alpena, MI Minimum Auto Insurance Requirements
The required auto insurance in Alpena, MI is 20/40/10 according to the auto insurance laws in Michigan. The minimum auto insurance in Alpena, 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 Alpena, MI Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Alpena, MI. Take a look at Alpena, Michigan auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $29,310 | $16,214 | $12,394 |
| Farmers | $6,678 | $4,349 | $4,005 |
| Geico | $6,870 | $5,055 | $4,115 |
| Liberty Mutual | $25,898 | $14,972 | $8,283 |
| Nationwide | $8,377 | $6,271 | $5,320 |
| Progressive | $5,247 | $4,422 | $3,995 |
| State Farm | $18,120 | $9,172 | $6,231 |
| Travelers | $8,534 | $8,275 | $8,170 |
| USAA | $4,680 | $2,685 | $2,060 |
Buy Cheap Alpena, MI Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Alpena, Michigan auto insurance rates? Find out how car insurance rates in Alpena, 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 | $14,130 | $14,130 | $13,112 | $13,112 | $35,096 | $35,096 | $14,887 | $14,887 |
| Farmers | $3,843 | $3,843 | $3,602 | $3,602 | $8,290 | $8,290 | $4,308 | $4,308 |
| Geico | $3,730 | $3,730 | $3,774 | $3,774 | $10,315 | $10,315 | $3,568 | $3,568 |
| Liberty Mutual | $12,193 | $12,193 | $12,069 | $12,069 | $29,083 | $29,083 | $12,193 | $12,193 |
| Nationwide | $4,763 | $4,763 | $4,231 | $4,231 | $12,415 | $12,415 | $5,214 | $5,214 |
| Progressive | $2,701 | $2,530 | $2,389 | $2,648 | $9,708 | $10,381 | $3,142 | $2,940 |
| State Farm | $6,827 | $6,827 | $6,309 | $6,309 | $23,558 | $23,558 | $8,002 | $8,002 |
| Travelers | $5,584 | $5,584 | $4,792 | $4,792 | $16,861 | $16,861 | $6,069 | $6,069 |
| USAA | $2,315 | $2,209 | $2,178 | $2,072 | $5,527 | $5,282 | $2,821 | $2,728 |
Buy Cheap Alpena, MI Auto Insurance for Teen Drivers
Auto insurance for teenagers in Alpena can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Alpena, MI are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $35,096 | $35,096 |
| Farmers | $8,290 | $8,290 |
| Geico | $10,315 | $10,315 |
| Liberty Mutual | $29,083 | $29,083 |
| Nationwide | $12,415 | $12,415 |
| Progressive | $9,708 | $10,381 |
| State Farm | $23,558 | $23,558 |
| Travelers | $16,861 | $16,861 |
| USAA | $5,527 | $5,282 |
Buy Cheap Alpena, MI Auto Insurance for Seniors
You can save on senior auto insurance rates in Alpena, Michigan by comparing Alpena senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Alpena, MI here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $13,112 | $13,112 |
| Farmers | $3,602 | $3,602 |
| Geico | $3,774 | $3,774 |
| Liberty Mutual | $12,069 | $12,069 |
| Nationwide | $4,231 | $4,231 |
| Progressive | $2,389 | $2,648 |
| State Farm | $6,309 | $6,309 |
| Travelers | $4,792 | $4,792 |
| USAA | $2,178 | $2,072 |
Find Cheap Auto Insurance Rates in Alpena, MI by Coverage Level
The amount of coverage you choose is a big factor in the cost of Alpena, Michigan auto insurance. Compare Alpena, MI auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $18,877 | $19,344 | $19,697 |
| Farmers | $4,881 | $5,000 | $5,151 |
| Geico | $4,997 | $5,299 | $5,744 |
| Liberty Mutual | $15,988 | $16,346 | $16,819 |
| Nationwide | $6,997 | $6,535 | $6,435 |
| Progressive | $4,421 | $4,561 | $4,683 |
| State Farm | $10,625 | $11,242 | $11,655 |
| Travelers | $8,241 | $8,334 | $8,405 |
| USAA | $3,036 | $3,150 | $3,238 |
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Find Cheap Alpena, MI Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Alpena. Compare auto insurance rates in Alpena, 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 | $19,306 | $19,306 |
| Farmers | $5,011 | $5,011 |
| Geico | $5,223 | $5,471 |
| Liberty Mutual | $15,810 | $16,959 |
| Nationwide | $6,656 | $6,656 |
| Progressive | $4,555 | $4,555 |
| State Farm | $10,873 | $11,475 |
| Travelers | $8,279 | $8,375 |
| USAA | $3,106 | $3,177 |
Find Cheap Alpena, MI Auto Insurance Rates by Driving Record
Auto insurance rates in Alpena, Michigan are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Alpena, MI, take a look at the average cost for various violations versus rates for a clean driving record in Alpena.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $9,444 | $12,597 | $42,001 | $13,182 |
| Farmers | $4,219 | $5,357 | $5,299 | $5,167 |
| Geico | $1,922 | $3,987 | $11,973 | $3,505 |
| Liberty Mutual | $11,669 | $13,920 | $25,146 | $14,803 |
| Nationwide | $5,683 | $7,605 | $6,921 | $6,413 |
| Progressive | $3,879 | $5,056 | $4,557 | $4,727 |
| State Farm | $7,189 | $8,575 | $18,278 | $10,654 |
| Travelers | $5,658 | $8,053 | $12,908 | $6,686 |
| USAA | $2,536 | $3,144 | $4,126 | $2,760 |
Find Cheap Alpena, MI Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Alpena, Michigan is higher than for a clean driving record. You can buy auto insurance after a DUI in Alpena for less when you shop around and compare rates from multiple Alpena, MI auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $42,001 |
| Farmers | $5,299 |
| Geico | $11,973 |
| Liberty Mutual | $25,146 |
| Nationwide | $6,921 |
| Progressive | $4,557 |
| State Farm | $18,278 |
| Travelers | $12,908 |
| USAA | $4,126 |
Winners by Category: Where to Buy Cheap Auto Insurance in Alpena, MI
Compare rates from the cheapest auto insurance companies in Alpena, MI for your needs. Take a look at how Alpena, 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 Alpena, Michigan Auto Insurance Companies
If you’re looking for the cheapest Alpena, MI auto insurance companies overall, you can compare them here. Find the best price for Alpena, Michigan car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $19,306 |
| Farmers | $5,011 |
| Geico | $5,347 |
| Liberty Mutual | $16,384 |
| Nationwide | $6,656 |
| Progressive | $4,555 |
| State Farm | $11,174 |
| Travelers | $8,327 |
| USAA | $3,142 |
What affects Alpena, Michigan auto insurance rates?
Local factors affect auto insurance rates in Alpena, MI, including traffic, theft statistics, and commute length. Take a look at the things that impact Alpena auto insurance rates.
Auto Theft in Alpena
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Alpena, MI auto theft show a total of 3 vehicle thefts annually.
Commute Times in Alpena
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Alpena, MI is 10.5 minutes according to City-Data.
Compare Auto Insurance Quotes in Alpena, MI
You can buy cheap Alpena, MI auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Alpena, Michigan auto insurance quotes from top companies.
Frequently Asked Questions
Can I really find cheap auto insurance in Alpena, MI?
Yes, it is possible to find affordable auto insurance in Alpena, MI. By comparing quotes from different insurance providers and taking advantage of available discounts, you can find a policy that fits your budget.
How can I save money on auto insurance in Alpena, MI?
Here are some tips to help you save money on your auto insurance:
- Shop around and compare quotes from multiple insurance companies.
- Maintain a clean driving record with no accidents or traffic violations.
- Choose a higher deductible, which can lower your premium.
- Take advantage of available discounts, such as multi-policy, safe driver, or good student discounts.
- Consider bundling your auto insurance with other policies, such as home or renters insurance, for potential savings.
What factors affect the cost of auto insurance in Alpena, MI?
Several factors can influence the cost of auto insurance, including:
- Your driving record: A history of accidents or violations may result in higher premiums.
- Vehicle type: The make, model, and year of your vehicle can impact your insurance rates.
- Coverage limits: Higher coverage limits generally come with higher premiums.
- Deductible amount: A higher deductible can lower your premium, but you’ll pay more out of pocket in the event of a claim.
- Your age and driving experience: Younger, inexperienced drivers often face higher premiums.
- Location: Factors like crime rates and traffic congestion in Alpena, MI, can affect insurance costs.
What types of coverage should I consider for my auto insurance in Alpena, MI?
It’s important to have adequate coverage for your auto insurance. Consider the following types of coverage:
- Liability coverage: Protects you financially if you cause injury or property damage to others in an accident.
- Collision coverage: Pays for repairs or replacement of your vehicle in case of an accident, regardless of fault.
- Comprehensive coverage: Covers non-collision-related damage, such as theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who has no insurance or insufficient coverage.
Are there any discounts available for auto insurance in Alpena, MI?
Yes, many insurance companies offer various discounts that can help lower your premiums. Some common discounts include:
- Multi-policy discount: Save by bundling your auto insurance with other policies, like home or renters insurance.
- Safe driver discount: Receive a discount for maintaining a good driving record without accidents or violations.
- Good student discount: Students with good grades may qualify for a discount.
- Anti-theft device discount: Installing anti-theft devices in your vehicle can lead to lower premiums.
- Defensive driving course discount: Completing an approved defensive driving course can result in a discount.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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.