Battle Creek, MI Auto Insurance (2024)
The average Battle Creek, MI auto insurance rates are $760 per month. The minimum auto insurance in Battle Creek is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Battle Creek, Michigan, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 28, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 28, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance company in Battle Creek is USAA
- The average commute length in Battle Creek is 18.6 minutes
- Average auto insurance rates in Battle Creek, MI for senior drivers are $6,013 per year
Battle Creek, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Battle Creek can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Battle Creek, Michigan, including driving record, credit, commute time, and more.
Compare auto insurance in Battle Creek to other Michigan cities, including Flint auto insurance rates, Dearborn auto insurance rates, and Warren auto insurance rates to see how Battle Creek, Michigan auto insurance rates stack up.
Before you buy Battle Creek, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Battle Creek, Michigan auto insurance quotes.
Minimum Auto Insurance in Battle Creek, Michigan
Battle Creek, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Battle Creek, 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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Cheap Battle Creek, Michigan Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Battle Creek, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $14,256 | $14,256 | $13,188 | $13,188 | $36,026 | $36,026 | $15,033 | $15,033 |
| Farmers | $4,243 | $4,243 | $3,961 | $3,961 | $9,386 | $9,386 | $4,775 | $4,775 |
| Geico | $5,272 | $5,272 | $5,344 | $5,344 | $14,807 | $14,807 | $5,046 | $5,046 |
| Liberty Mutual | $13,407 | $13,407 | $13,275 | $13,275 | $31,386 | $31,386 | $13,407 | $13,407 |
| Nationwide | $3,263 | $3,263 | $2,912 | $2,912 | $8,456 | $8,456 | $3,568 | $3,568 |
| Progressive | $2,828 | $2,637 | $2,503 | $2,779 | $10,415 | $11,144 | $3,290 | $3,066 |
| State Farm | $6,430 | $6,430 | $5,960 | $5,960 | $22,649 | $22,649 | $7,561 | $7,561 |
| Travelers | $5,474 | $5,474 | $4,697 | $4,697 | $16,530 | $16,530 | $5,948 | $5,948 |
| USAA | $2,334 | $2,215 | $2,197 | $2,077 | $5,702 | $5,431 | $2,841 | $2,731 |
Cheap Battle Creek, Michigan Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Battle Creek, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Battle Creek, Michigan.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $36,026 | $36,026 |
| Farmers | $9,386 | $9,386 |
| Geico | $14,807 | $14,807 |
| Liberty Mutual | $31,386 | $31,386 |
| Nationwide | $8,456 | $8,456 |
| Progressive | $10,415 | $11,144 |
| State Farm | $22,649 | $22,649 |
| Travelers | $16,530 | $16,530 |
| USAA | $5,702 | $5,431 |
Cheap Battle Creek, Michigan Auto Insurance for Seniors
What are senior auto insurance rates in Battle Creek, Michigan? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $13,188 | $13,188 |
| Farmers | $3,961 | $3,961 |
| Geico | $5,344 | $5,344 |
| Liberty Mutual | $13,275 | $13,275 |
| Nationwide | $2,912 | $2,912 |
| Progressive | $2,503 | $2,779 |
| State Farm | $5,960 | $5,960 |
| Travelers | $4,697 | $4,697 |
| USAA | $2,197 | $2,077 |
Cheap Battle Creek, Michigan Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Battle Creek, Michigan compared to the annual auto insurance rates with a clean record in Battle Creek, Michigan.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $9,635 | $12,824 | $42,616 | $13,426 |
| Farmers | $4,696 | $5,983 | $5,909 | $5,777 |
| Geico | $2,666 | $5,650 | $17,199 | $4,954 |
| Liberty Mutual | $12,364 | $15,034 | $28,154 | $15,923 |
| Nationwide | $3,920 | $5,166 | $4,721 | $4,393 |
| Progressive | $4,111 | $5,376 | $4,831 | $5,013 |
| State Farm | $6,734 | $8,096 | $17,630 | $10,139 |
| Travelers | $5,532 | $7,889 | $12,690 | $6,538 |
| USAA | $2,573 | $3,203 | $4,186 | $2,802 |
Cheap Battle Creek, Michigan Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Battle Creek, Michigan is not easy. Compare the annual rates for DUI auto insurance in Battle Creek, Michigan to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $42,616 |
| Farmers | $5,909 |
| Geico | $17,199 |
| Liberty Mutual | $28,154 |
| Nationwide | $4,721 |
| Progressive | $4,831 |
| State Farm | $17,630 |
| Travelers | $12,690 |
| USAA | $4,186 |
Cheap Battle Creek, Michigan Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Battle Creek, Michigan annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $29,692 | $16,472 | $12,712 |
| Farmers | $7,402 | $4,876 | $4,496 |
| Geico | $9,813 | $7,196 | $5,843 |
| Liberty Mutual | $28,255 | $16,325 | $9,025 |
| Nationwide | $5,654 | $4,306 | $3,689 |
| Progressive | $5,561 | $4,695 | $4,243 |
| State Farm | $17,262 | $8,743 | $5,944 |
| Travelers | $8,365 | $8,112 | $8,010 |
| USAA | $4,754 | $2,729 | $2,090 |
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Cheap Battle Creek, Michigan Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Battle Creek, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Battle Creek, Michigan to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 49014 | $6,324 |
| 49015 | $6,084 |
| 49017 | $6,455 |
| 49037 | $7,085 |
Cheap Battle Creek, Michigan Auto Insurance Rates By Commute
Commute length and annual mileage affect Battle Creek, Michigan auto insurance. Find the cheapest annual Battle Creek, Michigan auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $19,625 | $19,625 |
| Farmers | $5,591 | $5,591 |
| Geico | $7,440 | $7,794 |
| Liberty Mutual | $17,258 | $18,480 |
| Nationwide | $4,550 | $4,550 |
| Progressive | $4,833 | $4,833 |
| State Farm | $10,372 | $10,927 |
| Travelers | $8,115 | $8,209 |
| USAA | $3,155 | $3,227 |
Cheap Battle Creek, Michigan Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Battle Creek, Michigan? Check out the comparison of annual Battle Creek, Michigan auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $19,151 | $19,668 | $20,058 |
| Farmers | $5,473 | $5,581 | $5,720 |
| Geico | $7,234 | $7,566 | $8,051 |
| Liberty Mutual | $17,488 | $17,832 | $18,286 |
| Nationwide | $4,740 | $4,478 | $4,432 |
| Progressive | $4,698 | $4,838 | $4,963 |
| State Farm | $10,160 | $10,710 | $11,080 |
| Travelers | $8,078 | $8,170 | $8,239 |
| USAA | $3,096 | $3,198 | $3,279 |
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Best By Category: Cheapest Auto Insurance in Battle Creek, Michigan
Compare the cheapest auto insurance companies in Battle Creek, Michigan in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
The Cheapest Battle Creek, Michigan Auto Insurance Companies
What auto insurance companies in Battle Creek, Michigan are the cheapest? Compare the top Battle Creek, Michigan auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $19,625 |
| Farmers | $5,591 |
| Geico | $7,617 |
| Liberty Mutual | $17,869 |
| Nationwide | $4,550 |
| Progressive | $4,833 |
| State Farm | $10,650 |
| Travelers | $8,162 |
| USAA | $3,191 |
What affects auto insurance rates in Battle Creek, Michigan?
There are a lot of reasons why auto insurance rates in Battle Creek, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Battle Creek, Michigan. Many local factors may affect your Battle Creek auto insurance rates.
Battle Creek Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Battle Creek, Michigan auto theft statistics, there have been 77 auto thefts in the city.
Battle Creek Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Battle Creek, Michigan commute length is 18.6 minutes according to City-Data.
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Compare Battle Creek, Michigan Auto Insurance Quotes
Before you buy Battle Creek, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Battle Creek, Michigan auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Battle Creek, MI?
Yes, auto insurance is mandatory in Battle Creek, MI, as it is in the rest of Michigan. All drivers are required to carry a minimum level of liability insurance coverage to legally operate a motor vehicle in the state.
What are the minimum auto insurance requirements in Battle Creek, MI?
The minimum auto insurance requirements in Battle Creek, MI, and throughout Michigan are as follows:
- $50,000 bodily injury liability coverage per person
- $100,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
Can I choose additional coverage beyond the minimum requirements?
Yes, in addition to the minimum requirements, you have the option to purchase additional coverage to enhance your protection. Common additional coverages include collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP) coverage.
What factors can affect auto insurance rates in Battle Creek, MI?
Several factors can influence your auto insurance rates in Battle Creek, MI, including:
- Driving record: A history of accidents, traffic violations, or claims can result in higher premiums.
- Age and gender: Younger and less experienced drivers typically face higher rates, and males may be considered higher risk compared to females in certain age groups.
- Vehicle type: The make, model, year, and value of your vehicle can impact your insurance rates.
- Location: Factors such as the frequency of accidents and the crime rate in your area can affect premiums.
- Credit history: In Michigan, insurers may use credit-based insurance scores as a factor in determining rates.
- Coverage options: The coverage limits, deductibles, and additional coverages you choose will influence the cost of your insurance.
Are there any specific insurance requirements related to weather conditions in Battle Creek, MI?
Battle Creek, MI, experiences various weather conditions, including snow and ice during winter. While auto insurance policies generally don’t have specific requirements related to weather conditions, it’s important to ensure that you have adequate coverage to protect your vehicle from weather-related damage. Comprehensive coverage can help cover losses due to weather events, such as hail or falling tree limbs.
Can I qualify for any discounts on auto insurance in Battle Creek, MI?
Yes, insurance providers often offer various discounts. Common ones include safe driver discounts, good student discounts, multi-policy discounts (bundling auto insurance with other policies), and discounts for safety features in your vehicle. Ask insurance providers about available discounts and eligibility criteria.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.