Buy Cheap Alpena, MI Auto Insurance (2022)

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Mar 15, 2022

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A Concise Overview

  • 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.

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.

Minimum Required Auto Insurance Coverage in Alpena, Michigan

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.

Annual Auto Insurance Rates by Credit Score in Alpena, Michigan

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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Alpena, Michigan

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.

Annual Auto Insurance Rates for Teen Drivers in Alpena, Michigan

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.

Annual Auto Insurance Rates for Senior Drivers in Alpena, Michigan

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.

Annual Auto Insurance Rates by Coverage Level in Alpena, Michigan

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.

Annual Auto Insurance Rates by Commute Length in Alpena, Michigan

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.

Annual Alpena, Michigan Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Alpena, Michigan

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.

Best Annual Auto Insurance Rates by Company in Alpena, Michigan

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.

Average Annual Auto Insurance Rates by Company in Alpena, Michigan

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.

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