Cheap Quotes for St. Helen, MI Car Insurance (2021)

St. Helen, Michigan car insurance rates average $755 a month and Michigan law requires coverage of at least 20/40/10. By comparing rates from multiple St. Helen, MI companies, you can find cheap St. Helen 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

  • St. Helen has an average commute time of 24.7 minutes
  • Average car insurance rates in St. Helen, MI after a DUI are $14,896/year
  • Average car insurance rates in St. Helen, MI for senior drivers are $5,953/year

How do the St. Helen, Michigan monthly average car insurance rates of $755/month compare to nearby cities like Warren car insurance rates, Detroit car insurance rates, and Flint car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in St. Helen, MI.

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

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

What are the minimum St. Helen, MI car insurance requirements?

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

Minimum Required Car Insurance Coverage in St. Helen, 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 St. Helen, MI car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in St. Helen, 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 $14,193 $14,193 $13,169 $13,169 $35,304 $35,304 $14,955 $14,955
Farmers $4,352 $4,352 $4,058 $4,058 $9,800 $9,800 $4,899 $4,899
GEICO $3,831 $3,831 $3,888 $3,888 $10,639 $10,639 $3,663 $3,663
Liberty Mutual $12,825 $12,825 $12,695 $12,695 $30,474 $30,474 $12,825 $12,825
Nationwide $3,919 $3,919 $3,491 $3,491 $10,297 $10,297 $4,294 $4,294
Progressive $2,882 $2,695 $2,547 $2,825 $10,458 $11,186 $3,358 $3,135
State Farm $6,958 $6,958 $6,441 $6,441 $24,138 $24,138 $8,158 $8,158
Travelers $5,584 $5,584 $4,792 $4,792 $16,861 $16,861 $6,069 $6,069
USAA $2,572 $2,434 $2,418 $2,284 $6,179 $5,858 $3,124 $2,994

How much do teen drivers pay for car insurance in St. Helen, MI?

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

Annual Car Insurance Rates for Teen Drivers in St. Helen, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $35,304 $35,304
Farmers $9,800 $9,800
GEICO $10,639 $10,639
Liberty Mutual $30,474 $30,474
Nationwide $10,297 $10,297
Progressive $10,458 $11,186
State Farm $24,138 $24,138
Travelers $16,861 $16,861
USAA $6,179 $5,858

How much do senior drivers pay for car insurance in St. Helen, MI?

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

Annual Car Insurance Rates for Senior Drivers in St. Helen, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,169 $13,169
Farmers $4,058 $4,058
GEICO $3,888 $3,888
Liberty Mutual $12,695 $12,695
Nationwide $3,491 $3,491
Progressive $2,547 $2,825
State Farm $6,441 $6,441
Travelers $4,792 $4,792
USAA $2,418 $2,284

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

Annual Car Insurance Rates by Coverage Level in St. Helen, Michigan

Insurance Company Low Medium High
Allstate $18,945 $19,446 $19,825
Farmers $5,638 $5,765 $5,929
GEICO $5,151 $5,457 $5,908
Liberty Mutual $16,782 $17,164 $17,669
Nationwide $5,736 $5,412 $5,352
Progressive $4,723 $4,893 $5,041
State Farm $10,849 $11,495 $11,927
Travelers $8,241 $8,334 $8,405
USAA $3,387 $3,491 $3,572

How does your driving record affect St. Helen, MI car insurance rates?

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

Annual St. Helen, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,489 $12,660 $42,224 $13,248
Farmers $4,851 $6,187 $6,105 $5,967
GEICO $1,963 $4,103 $12,358 $3,598
Liberty Mutual $12,177 $14,582 $26,565 $15,494
Nationwide $4,715 $6,276 $5,708 $5,301
Progressive $4,152 $5,430 $4,891 $5,070
State Farm $7,323 $8,750 $18,733 $10,889
Travelers $5,658 $8,053 $12,908 $6,686
USAA $2,806 $3,494 $4,575 $3,057

How does a DUI affect St. Helen, MI car insurance rates?

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

Annual Car Insurance Rates After a DUI in St. Helen, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $42,224
Farmers $6,105
GEICO $12,358
Liberty Mutual $26,565
Nationwide $5,708
Progressive $4,891
State Farm $18,733
Travelers $12,908
USAA $4,575

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How does your credit history affect St. Helen, MI car insurance rates?

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

Annual Car Insurance Rates by Credit Score in St. Helen, Michigan

Insurance Company Poor Fair Good
Allstate $29,444 $16,298 $12,474
Farmers $7,604 $5,057 $4,671
GEICO $7,076 $5,204 $4,236
Liberty Mutual $27,202 $15,721 $8,691
Nationwide $6,873 $5,198 $4,429
Progressive $5,631 $4,743 $4,283
State Farm $18,528 $9,376 $6,368
Travelers $8,534 $8,275 $8,170
USAA $5,210 $2,975 $2,263

How does your commute affect St. Helen, MI car insurance rates?

St. Helen, 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 St. Helen if you’re financing.

Annual Car Insurance Rates by Commute Length in St. Helen, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,405 $19,405
Farmers $5,777 $5,777
GEICO $5,379 $5,632
Liberty Mutual $16,605 $17,805
Nationwide $5,500 $5,500
Progressive $4,886 $4,886
State Farm $11,114 $11,734
Travelers $8,279 $8,375
USAA $3,443 $3,523

Who has the cheapest St. Helen, MI car insurance rates?

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

Best Annual Car Insurance Rates by Company in St. Helen, 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 St. Helen, MI car insurance companies?

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

Average Annual Car Insurance Rates by Company in St. Helen, Michigan

Insurance Company Average Annual Rates
Allstate $19,405
Farmers $5,777
GEICO $5,505
Liberty Mutual $17,205
Nationwide $5,500
Progressive $4,886
State Farm $11,424
Travelers $8,327
USAA $3,483

What factors affect St. Helen, MI car insurance rates?

Why are St. Helen, Michigan car insurance rates different than rates in Warren or Detroit? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in St. Helen, MI?

More time spent behind the wheel can lead to higher St. Helen, Michigan car insurance rates. In St. Helen, MI, the average commute length is 24.7 minutes.

Car Insurance Quotes for St. Helen, MI

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