Coldwater, MI Auto Insurance (2024)
The average Coldwater, MI auto insurance rates are $738 per month. The minimum auto insurance in Coldwater is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Coldwater, 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 22, 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 22, 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 Coldwater is USAA
- The minimum auto insurance required in Coldwater, Michigan is 20/40/10
- The most expensive auto insurance company in Coldwater for teen drivers is Allstate
Coldwater, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Coldwater 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 Coldwater, Michigan, including driving record, credit, commute time, and more.
Compare auto insurance in Coldwater to other Michigan cities, including Grand Rapids auto insurance rates, Troy auto insurance rates, and Detroit auto insurance rates to see how Coldwater, Michigan auto insurance rates stack up.
Before you buy Coldwater, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Coldwater, Michigan auto insurance quotes.
Minimum Auto Insurance in Coldwater, Michigan
Coldwater, 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 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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Cheap Coldwater, Michigan Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Coldwater, 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 | $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 |
Cheap Coldwater, Michigan Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Coldwater, Michigan is a challenge. Take a look at the annual teen auto insurance rates 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 |
Cheap Coldwater, Michigan Auto Insurance for Seniors
What are senior auto insurance rates in Coldwater, 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 | $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 |
Cheap Coldwater, 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 Coldwater, Michigan compared to the annual auto insurance rates with a clean record in Coldwater, Michigan.
| 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 |
Cheap Coldwater, Michigan Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Coldwater, Michigan is not easy. Compare the annual rates for DUI auto insurance in Coldwater, Michigan to find the best deal.
| Insurance Company | Annual Auto 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 |
Cheap Coldwater, Michigan Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Coldwater, Michigan annual auto insurance rates by credit history compare.
| 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 |
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Cheap Coldwater, Michigan Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Coldwater, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Coldwater, Michigan to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 49036 | $6,199 |
Cheap Coldwater, Michigan Auto Insurance Rates By Commute
Commute length and annual mileage affect Coldwater, Michigan auto insurance. Find the cheapest annual Coldwater, Michigan auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 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 |
Cheap Coldwater, Michigan Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Coldwater, Michigan? Check out the comparison of annual Coldwater, Michigan auto insurance rates by coverage level.
| 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 |
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Best By Category: Cheapest Auto Insurance in Coldwater, Michigan
Compare the cheapest auto insurance companies in Coldwater, 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 | Geico |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
The Cheapest Coldwater, Michigan Auto Insurance Companies
What auto insurance companies in Coldwater, Michigan are the cheapest? Compare the top Coldwater, Michigan auto insurance companies to find the best annual rates.
| 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 affects auto insurance rates in Coldwater, Michigan?
There are a lot of reasons why auto insurance rates in Coldwater, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Coldwater, Michigan. Many local factors may affect your Coldwater auto insurance rates.
Coldwater Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Coldwater, Michigan auto theft statistics, there have been 16 auto thefts in the city.
Coldwater Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Coldwater, Michigan commute length is 17.2 minutes according to City-Data.
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Compare Coldwater, Michigan Auto Insurance Quotes
Before you buy Coldwater, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Coldwater, Michigan auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Coldwater, Michigan?
The minimum auto insurance requirements in Coldwater, Michigan, according to state laws, are 20/40/10 coverage.
What factors can affect auto insurance rates in Coldwater, Michigan?
Several factors can impact auto insurance rates in Coldwater, Michigan, including driving record, credit history, age, gender, marital status, ZIP code, commute length, and coverage level.
How can I find cheap auto insurance in Coldwater, Michigan?
To find the best cheap auto insurance in Coldwater, Michigan, it’s recommended to compare quotes from multiple companies. By comparing rates, you can identify the most affordable options.
Are there specific auto insurance rates for different age groups and demographics in Coldwater, Michigan?
Yes, auto insurance rates in Coldwater, Michigan can be influenced by age, gender, and marital status. Different demographics may have varying annual costs for insurance.
How does a bad driving record affect auto insurance rates in Coldwater, Michigan?
Having a bad driving record can lead to higher auto insurance rates in Coldwater, Michigan. Drivers with a clean record generally pay lower premiums compared to those with infractions or accidents on their record.
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.