Cheap Quotes for Coldwater, MI Car Insurance (2021)

Coldwater, Michigan car insurance rates average $738 a month and Michigan law requires coverage of at least 20/40/10. By comparing rates from multiple Coldwater, MI companies, you can find cheap Coldwater 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 Brad Larsen

UPDATED: Apr 20, 2022

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Things to Know

  • The cheapest car insurance company in Coldwater is USAA
  • Average car insurance rates in Coldwater, MI after a DUI are $14,783/year
  • Average car insurance rates in Coldwater, MI for senior drivers are $5,883/year

How do the Coldwater, Michigan monthly average car insurance rates of $738/month compare to nearby cities like Livonia car insurance rates, Grand Rapids car insurance rates, and Troy car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Coldwater, MI.

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

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

What are the minimum Coldwater, MI car insurance requirements?

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

Minimum Required Car Insurance Coverage in Coldwater, 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 Coldwater, MI car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Coldwater, 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 $15,512 $15,512 $14,414 $14,414 $38,399 $38,399 $16,342 $16,342
Farmers $3,515 $3,515 $3,283 $3,283 $7,670 $7,670 $3,938 $3,938
GEICO $3,663 $3,663 $3,717 $3,717 $10,239 $10,239 $3,504 $3,504
Liberty Mutual $13,638 $13,638 $13,501 $13,501 $32,257 $32,257 $13,638 $13,638
Nationwide $3,916 $3,916 $3,483 $3,483 $10,196 $10,196 $4,285 $4,285
Progressive $2,846 $2,655 $2,511 $2,805 $10,065 $10,687 $3,310 $3,064
State Farm $6,196 $6,196 $5,718 $5,718 $21,258 $21,258 $7,258 $7,258
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,529 $2,414 $2,374 $2,254 $6,205 $5,946 $3,100 $3,000

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

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

Annual Car Insurance Rates for Teen Drivers in Coldwater, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $38,399 $38,399
Farmers $7,670 $7,670
GEICO $10,239 $10,239
Liberty Mutual $32,257 $32,257
Nationwide $10,196 $10,196
Progressive $10,065 $10,687
State Farm $21,258 $21,258
Travelers $13,395 $13,395
USAA $6,205 $5,946

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

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

Annual Car Insurance Rates for Senior Drivers in Coldwater, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $14,414 $14,414
Farmers $3,283 $3,283
GEICO $3,717 $3,717
Liberty Mutual $13,501 $13,501
Nationwide $3,483 $3,483
Progressive $2,511 $2,805
State Farm $5,718 $5,718
Travelers $3,858 $3,858
USAA $2,374 $2,254

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

Annual Car Insurance Rates by Coverage Level in Coldwater, Michigan

Insurance Company Low Medium High
Allstate $20,509 $21,225 $21,767
Farmers $4,489 $4,592 $4,722
GEICO $4,923 $5,232 $5,687
Liberty Mutual $17,781 $18,212 $18,782
Nationwide $5,725 $5,377 $5,308
Progressive $4,611 $4,749 $4,869
State Farm $9,627 $10,167 $10,529
Travelers $6,575 $6,656 $6,715
USAA $3,385 $3,485 $3,563

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

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

Annual Coldwater, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,319 $13,802 $46,121 $14,426
Farmers $3,881 $4,921 $4,860 $4,744
GEICO $1,886 $3,938 $11,846 $3,453
Liberty Mutual $12,830 $15,436 $28,384 $16,383
Nationwide $4,693 $6,223 $5,685 $5,279
Progressive $4,025 $5,270 $4,751 $4,925
State Farm $6,523 $7,770 $16,498 $9,640
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,801 $3,485 $4,572 $3,053

How does a DUI affect Coldwater, MI car insurance rates?

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

Annual Car Insurance Rates After a DUI in Coldwater, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $46,121
Farmers $4,860
GEICO $11,846
Liberty Mutual $28,384
Nationwide $5,685
Progressive $4,751
State Farm $16,498
Travelers $10,331
USAA $4,572

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

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

Annual Car Insurance Rates by Credit Score in Coldwater, Michigan

Insurance Company Poor Fair Good
Allstate $32,101 $17,783 $13,617
Farmers $6,069 $4,020 $3,715
GEICO $6,785 $4,992 $4,065
Liberty Mutual $28,872 $16,683 $9,220
Nationwide $6,841 $5,165 $4,405
Progressive $5,486 $4,602 $4,140
State Farm $16,375 $8,301 $5,647
Travelers $6,813 $6,608 $6,525
USAA $5,205 $2,963 $2,266

How does your commute affect Coldwater, MI car insurance rates?

Coldwater, 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 Coldwater if you’re financing.

Annual Car Insurance Rates by Commute Length in Coldwater, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $21,167 $21,167
Farmers $4,601 $4,601
GEICO $5,159 $5,402
Liberty Mutual $17,626 $18,891
Nationwide $5,470 $5,470
Progressive $4,743 $4,743
State Farm $9,838 $10,377
Travelers $6,611 $6,686
USAA $3,438 $3,517

Who has the cheapest Coldwater, MI car insurance rates?

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

Best Annual Car Insurance Rates by Company in Coldwater, 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 Coldwater, MI car insurance companies?

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

Average Annual Car Insurance Rates by Company in Coldwater, Michigan

Insurance Company Average Annual Rates
Allstate $21,167
Farmers $4,601
GEICO $5,281
Liberty Mutual $18,258
Nationwide $5,470
Progressive $4,743
State Farm $10,108
Travelers $6,649
USAA $3,478

What factors affect Coldwater, MI car insurance rates?

Why are Coldwater, Michigan car insurance rates different than rates in Livonia or Grand Rapids? 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 Coldwater, MI?

FBI statistics show that the Coldwater, Michigan car theft rate is 16 thefts each year. High theft rates can lead to higher than average Coldwater, MI car insurance rates.

How long is the average commute in Coldwater, MI?

More time spent behind the wheel can lead to higher Coldwater, Michigan car insurance rates. In Coldwater, MI, the average commute length is 17.2 minutes.

Car Insurance Quotes for Coldwater, MI

Shop for affordable Coldwater, Michigan car insurance rates today. Enter your ZIP code to compare quotes from multiple Coldwater, MI car insurance companies.

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