Buy Cheap Midland, MI Auto Insurance (2022)

Midland, MI auto insurance rates average $678 a month. Minimum auto insurance requirements in Midland, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Midland, MI, compare Midland 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 Midland, MI for teens drivers are $15,393/year
  • The most expensive auto insurance company in Midland after a DUI is Allstate
  • The most expensive auto insurance company in Midland is Allstate

Finding affordable Midland, Michigan auto insurance can be challenging, but everything you need to know to buy cheap Midland, MI auto insurance with confidence is right here. Auto insurance rates in Midland are affected by local factors as well as personal ones like your driving record.

See how Midland, MI car insurance rates compare to Grand Rapids auto insurance rates, Troy auto insurance rates, and Lansing auto insurance rates before you read more about the cost of auto insurance in Midland.

Don’t buy Midland, MI auto insurance until you’ve compared rates. Get free Midland, Michigan auto insurance quotes when you enter your ZIP code above.

Midland, MI Minimum Auto Insurance Requirements

The required auto insurance in Midland, MI is 20/40/10 according to the auto insurance laws in Michigan. The minimum auto insurance in Midland, Michigan is outlined here.

Minimum Required Auto Insurance Coverage in Midland, 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 Midland, MI Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Midland, MI. Take a look at Midland, Michigan auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Midland, Michigan

Insurance Company Poor Fair Good
Allstate $28,855 $15,958 $12,177
Farmers $6,215 $4,144 $3,830
GEICO $6,377 $4,695 $3,825
Liberty Mutual $20,558 $11,906 $6,608
Nationwide $7,084 $5,333 $4,534
Progressive $4,608 $3,903 $3,531
State Farm $17,240 $8,733 $5,937
Travelers $8,206 $7,958 $7,858
USAA $4,698 $2,715 $2,061

Buy Cheap Midland, MI Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Midland, Michigan auto insurance rates? Find out how car insurance rates in Midland, MI are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Midland, 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 $13,935 $13,935 $12,940 $12,940 $34,434 $34,434 $14,678 $14,678
Farmers $3,562 $3,562 $3,329 $3,329 $8,024 $8,024 $4,002 $4,002
GEICO $3,416 $3,416 $3,502 $3,502 $9,679 $9,679 $3,266 $3,266
Liberty Mutual $9,771 $9,771 $9,675 $9,675 $22,878 $22,878 $9,771 $9,771
Nationwide $4,054 $4,054 $3,616 $3,616 $10,496 $10,496 $4,435 $4,435
Progressive $2,372 $2,207 $2,114 $2,344 $8,613 $9,183 $2,742 $2,539
State Farm $6,418 $6,418 $5,964 $5,964 $22,626 $22,626 $7,539 $7,539
Travelers $5,380 $5,380 $4,626 $4,626 $16,180 $16,180 $5,842 $5,842
USAA $2,371 $2,214 $2,240 $2,095 $5,604 $5,226 $2,838 $2,675

Buy Cheap Midland, MI Auto Insurance for Teen Drivers

Auto insurance for teenagers in Midland can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Midland, MI are listed here.

Annual Auto Insurance Rates for Teen Drivers in Midland, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $34,434 $34,434
Farmers $8,024 $8,024
GEICO $9,679 $9,679
Liberty Mutual $22,878 $22,878
Nationwide $10,496 $10,496
Progressive $8,613 $9,183
State Farm $22,626 $22,626
Travelers $16,180 $16,180
USAA $5,604 $5,226

Buy Cheap Midland, MI Auto Insurance for Seniors

You can save on senior auto insurance rates in Midland, Michigan by comparing Midland senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Midland, MI here.

Annual Auto Insurance Rates for Senior Drivers in Midland, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $12,940 $12,940
Farmers $3,329 $3,329
GEICO $3,502 $3,502
Liberty Mutual $9,675 $9,675
Nationwide $3,616 $3,616
Progressive $2,114 $2,344
State Farm $5,964 $5,964
Travelers $4,626 $4,626
USAA $2,240 $2,095

Find Cheap Auto Insurance Rates in Midland, MI by Coverage Level

The amount of coverage you choose is a big factor in the cost of Midland, Michigan auto insurance. Compare Midland, MI auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Midland, Michigan

Insurance Company Low Medium High
Allstate $18,568 $19,035 $19,387
Farmers $4,600 $4,718 $4,869
GEICO $4,629 $4,920 $5,349
Liberty Mutual $12,668 $12,990 $13,414
Nationwide $5,916 $5,554 $5,480
Progressive $3,888 $4,020 $4,135
State Farm $10,108 $10,702 $11,100
Travelers $7,920 $8,016 $8,086
USAA $3,062 $3,166 $3,246

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Find Cheap Midland, MI Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Midland. Compare auto insurance rates in Midland, MI by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Midland, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $18,997 $18,997
Farmers $4,729 $4,729
GEICO $4,855 $5,077
Liberty Mutual $12,578 $13,469
Nationwide $5,650 $5,650
Progressive $4,014 $4,014
State Farm $10,352 $10,921
Travelers $7,961 $8,053
USAA $3,122 $3,194

Find Cheap Midland, MI Auto Insurance Rates by ZIP Code

Auto insurance rates in Midland, Michigan can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Midland, MI to see how much where you live in Midland affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Midland, Michigan

ZIP Code Average Annual Rates
48640 $5,824
48642 $5,833

Find Cheap Midland, MI Auto Insurance Rates by Driving Record

Auto insurance rates in Midland, Michigan are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Midland, MI, take a look at the average cost for various violations versus rates for a clean driving record in Midland.

Annual Midland, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,298 $12,410 $41,307 $12,971
Farmers $3,978 $5,064 $4,999 $4,876
GEICO $1,743 $3,705 $11,191 $3,224
Liberty Mutual $9,083 $10,987 $20,384 $11,642
Nationwide $4,835 $6,456 $5,866 $5,443
Progressive $3,425 $4,460 $4,017 $4,155
State Farm $6,729 $8,088 $17,603 $10,127
Travelers $5,416 $7,736 $12,473 $6,404
USAA $2,548 $3,179 $4,133 $2,771

Find Cheap Midland, MI Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Midland, Michigan is higher than for a clean driving record. You can buy auto insurance after a DUI in Midland for less when you shop around and compare rates from multiple Midland, MI auto insurance companies.

Annual Auto Insurance Rates After a DUI in Midland, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $41,307
Farmers $4,999
GEICO $11,191
Liberty Mutual $20,384
Nationwide $5,866
Progressive $4,017
State Farm $17,603
Travelers $12,473
USAA $4,133

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Winners by Category: Where to Buy Cheap Auto Insurance in Midland, MI

Compare rates from the cheapest auto insurance companies in Midland, MI for your needs. Take a look at how Midland, Michigan auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Midland, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

Find Cheap Midland, Michigan Auto Insurance Companies

If you’re looking for the cheapest Midland, MI auto insurance companies overall, you can compare them here. Find the best price for Midland, Michigan car insurance by company.

Average Annual Auto Insurance Rates by Company in Midland, Michigan

Insurance Company Average Annual Rates
Allstate $18,997
Farmers $4,729
GEICO $4,966
Liberty Mutual $13,024
Nationwide $5,650
Progressive $4,014
State Farm $10,637
Travelers $8,007
USAA $3,158

What affects Midland, Michigan auto insurance rates?

Local factors affect auto insurance rates in Midland, MI, including traffic, theft statistics, and commute length. Take a look at the things that impact Midland auto insurance rates.

Auto Theft in Midland

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Midland, MI auto theft show a total of 12 vehicle thefts annually.

Commute Times in Midland

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Midland, MI is 19.1 minutes according to City-Data.

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Compare Auto Insurance Quotes in Midland, MI

You can buy cheap Midland, MI auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Midland, Michigan auto insurance quotes from top companies.

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