Cheap Quotes for Birch Run, MI Car Insurance (2021)

Birch Run, Michigan car insurance rates average $837 a month and Michigan law requires coverage of at least 20/40/10. By comparing rates from multiple Birch Run, MI companies, you can find cheap Birch Run car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Birch Run, MI after a DUI are $15,951/year
  • The cheapest car insurance company in Birch Run is USAA
  • Birch Run has an average commute time of 19.4 minutes

How do the Birch Run, Michigan monthly average car insurance rates of $837/month compare to nearby cities like Grand Rapids car insurance rates, Lansing car insurance rates, and Dearborn car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Birch Run, MI.

We’ll cover the Michigan minimum coverage requirements, Michigan car insurance laws, and Birch Run, MI statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Birch Run, Michigan companies to find the most affordable Birch Run car insurance rates.

Enter your ZIP code above to find cheap Birch Run, MI car insurance quotes today.

What are the minimum Birch Run, MI car insurance requirements?

To meet Michigan minimum car insurance coverage requirements, Birch Run, MI drivers need to carry at least 20/40/10 coverage.

Minimum Required Car Insurance Coverage in Birch Run, 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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How do age, gender, and marital status affect Birch Run, MI car insurance rates?

Three of the criteria that most affect car insurance rates in Birch Run, Michigan are age, gender, and marital status. Let’s take a look at how each of these stack up with top Birch Run car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Birch Run, 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 $12,837 $12,837 $11,854 $11,854 $32,814 $32,814 $13,545 $13,545
Farmers $11,217 $11,217 $10,408 $10,408 $23,718 $23,718 $12,666 $12,666
GEICO $3,875 $3,875 $3,952 $3,952 $10,627 $10,627 $3,700 $3,700
Liberty Mutual $12,294 $12,294 $12,175 $12,175 $28,516 $28,516 $12,294 $12,294
Nationwide $4,005 $4,005 $3,584 $3,584 $9,927 $9,927 $4,357 $4,357
Progressive $3,149 $2,897 $2,782 $3,135 $11,439 $12,080 $3,650 $3,312
State Farm $8,087 $8,087 $7,543 $7,543 $28,915 $28,915 $9,510 $9,510
Travelers $5,615 $5,615 $4,820 $4,820 $16,936 $16,936 $6,099 $6,099
USAA $2,632 $2,484 $2,480 $2,334 $6,492 $6,149 $3,205 $3,061

How much do teen drivers pay for car insurance in Birch Run, MI?

Birch Run, Michigan car insurance rates for teens are often higher than rates for other drivers. Compare Birch Run car insurance rates from multiple Birch Run, Michigan car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Birch Run, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $32,814 $32,814
Farmers $23,718 $23,718
GEICO $10,627 $10,627
Liberty Mutual $28,516 $28,516
Nationwide $9,927 $9,927
Progressive $11,439 $12,080
State Farm $28,915 $28,915
Travelers $16,936 $16,936
USAA $6,492 $6,149

How much do senior drivers pay for car insurance in Birch Run, MI?

With a little research, seniors can find affordable car insurance in Birch Run, Michigan. Here’s a look at how the top Birch Run car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Birch Run, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $11,854 $11,854
Farmers $10,408 $10,408
GEICO $3,952 $3,952
Liberty Mutual $12,175 $12,175
Nationwide $3,584 $3,584
Progressive $2,782 $3,135
State Farm $7,543 $7,543
Travelers $4,820 $4,820
USAA $2,480 $2,334

How does coverage level affect Birch Run, 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 Birch Run, MI car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Birch Run, Michigan

Insurance Company Low Medium High
Allstate $17,293 $17,804 $18,191
Farmers $14,085 $14,465 $14,958
GEICO $5,214 $5,494 $5,907
Liberty Mutual $15,937 $16,282 $16,741
Nationwide $5,754 $5,370 $5,282
Progressive $5,135 $5,312 $5,471
State Farm $12,790 $13,603 $14,148
Travelers $8,281 $8,376 $8,446
USAA $3,483 $3,615 $3,715

How does your driving record affect Birch Run, MI car insurance rates?

Safe driving pays off. The more traffic violations you have in Birch Run, MI, the higher your car insurance rates will be. Compare rates based on driving infractions from top Birch Run, Michigan companies.

Annual Birch Run, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,745 $11,612 $38,520 $12,172
Farmers $12,096 $15,592 $15,354 $14,967
GEICO $1,959 $4,125 $12,464 $3,605
Liberty Mutual $11,174 $13,680 $25,963 $14,461
Nationwide $4,672 $6,251 $5,684 $5,267
Progressive $4,480 $5,920 $5,319 $5,503
State Farm $8,480 $10,231 $22,487 $12,857
Travelers $5,663 $8,086 $13,026 $6,695
USAA $2,897 $3,622 $4,742 $3,157

How does a DUI affect Birch Run, MI car insurance rates?

With even one DUI on your record, you can see an increase in your Birch Run, MI car insurance rates.

Annual Car Insurance Rates After a DUI in Birch Run, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $38,520
Farmers $15,354
GEICO $12,464
Liberty Mutual $25,963
Nationwide $5,684
Progressive $5,319
State Farm $22,487
Travelers $13,026
USAA $4,742

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How does your credit history affect Birch Run, MI car insurance rates?

Take a look at the data here to see how your Birch Run, Michigan car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Birch Run, Michigan

Insurance Company Poor Fair Good
Allstate $26,812 $14,901 $11,574
Farmers $21,882 $11,237 $10,388
GEICO $7,119 $5,235 $4,261
Liberty Mutual $25,786 $14,914 $8,258
Nationwide $6,889 $5,147 $4,369
Progressive $6,138 $5,154 $4,625
State Farm $21,945 $11,083 $7,513
Travelers $8,575 $8,316 $8,211
USAA $5,387 $3,081 $2,346

How does your commute affect Birch Run, MI car insurance rates?

Birch Run, 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 Birch Run if you’re financing.

Annual Car Insurance Rates by Commute Length in Birch Run, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $17,763 $17,763
Farmers $14,502 $14,502
GEICO $5,412 $5,664
Liberty Mutual $15,768 $16,871
Nationwide $5,468 $5,468
Progressive $5,306 $5,306
State Farm $13,142 $13,886
Travelers $8,320 $8,416
USAA $3,564 $3,646

Who has the cheapest Birch Run, MI car insurance rates?

Here’s a breakdown of Birch Run, Michigan car insurance rates by company. You can see which company offers the cheapest Birch Run car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Birch Run, 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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What are the top Birch Run, MI car insurance companies?

Which Birch Run, Michigan car insurance company will best fit your needs and budget? Check out this comparison of the top Birch Run companies to find the one for you.

Average Annual Car Insurance Rates by Company in Birch Run, Michigan

Insurance Company Average Annual Rates
Allstate $17,763
Farmers $14,502
GEICO $5,538
Liberty Mutual $16,320
Nationwide $5,468
Progressive $5,306
State Farm $13,514
Travelers $8,368
USAA $3,605

What factors affect Birch Run, MI car insurance rates?

Why are Birch Run, Michigan car insurance rates different than rates in Grand Rapids or Lansing? 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 Birch Run, MI?

FBI statistics show that the Birch Run, Michigan car theft rate is 6 thefts each year. High theft rates can lead to higher than average Birch Run, MI car insurance rates.

How long is the average commute in Birch Run, MI?

More time spent behind the wheel can lead to higher Birch Run, Michigan car insurance rates. In Birch Run, MI, the average commute length is 19.4 minutes.

Car Insurance Quotes for Birch Run, MI

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