Alpena, MI Auto Insurance (2024)
The average Alpena, MI auto insurance rates are $740 per month. The minimum auto insurance in Alpena is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Alpena, 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 21, 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 21, 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
- Average auto insurance rates in Alpena, MI for senior drivers are $5,837 per year
- The cheapest auto insurance company in Alpena is USAA
- The average commute length in Alpena is 10.5 minutes
Alpena, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Alpena 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 Alpena, Michigan, including driving record, credit, commute time, and more.
Compare auto insurance in Alpena to other Michigan cities, including Detroit auto insurance rates, Grand Rapids auto insurance rates, and Troy auto insurance rates to see how Alpena, Michigan auto insurance rates stack up.
Before you buy Alpena, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Alpena, Michigan auto insurance quotes.
Minimum Auto Insurance in Alpena, Michigan
Alpena, 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 Alpena, 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 Alpena, Michigan Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Alpena, 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 | $14,130 | $14,130 | $13,112 | $13,112 | $35,096 | $35,096 | $14,887 | $14,887 |
| Farmers | $3,843 | $3,843 | $3,602 | $3,602 | $8,290 | $8,290 | $4,308 | $4,308 |
| Geico | $3,730 | $3,730 | $3,774 | $3,774 | $10,315 | $10,315 | $3,568 | $3,568 |
| Liberty Mutual | $12,193 | $12,193 | $12,069 | $12,069 | $29,083 | $29,083 | $12,193 | $12,193 |
| Nationwide | $4,763 | $4,763 | $4,231 | $4,231 | $12,415 | $12,415 | $5,214 | $5,214 |
| Progressive | $2,701 | $2,530 | $2,389 | $2,648 | $9,708 | $10,381 | $3,142 | $2,940 |
| State Farm | $6,827 | $6,827 | $6,309 | $6,309 | $23,558 | $23,558 | $8,002 | $8,002 |
| Travelers | $5,584 | $5,584 | $4,792 | $4,792 | $16,861 | $16,861 | $6,069 | $6,069 |
| USAA | $2,315 | $2,209 | $2,178 | $2,072 | $5,527 | $5,282 | $2,821 | $2,728 |
Cheap Alpena, Michigan Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Alpena, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Alpena, Michigan.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $35,096 | $35,096 |
| Farmers | $8,290 | $8,290 |
| Geico | $10,315 | $10,315 |
| Liberty Mutual | $29,083 | $29,083 |
| Nationwide | $12,415 | $12,415 |
| Progressive | $9,708 | $10,381 |
| State Farm | $23,558 | $23,558 |
| Travelers | $16,861 | $16,861 |
| USAA | $5,527 | $5,282 |
Cheap Alpena, Michigan Auto Insurance for Seniors
What are senior auto insurance rates in Alpena, 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 | $13,112 | $13,112 |
| Farmers | $3,602 | $3,602 |
| Geico | $3,774 | $3,774 |
| Liberty Mutual | $12,069 | $12,069 |
| Nationwide | $4,231 | $4,231 |
| Progressive | $2,389 | $2,648 |
| State Farm | $6,309 | $6,309 |
| Travelers | $4,792 | $4,792 |
| USAA | $2,178 | $2,072 |
Cheap Alpena, 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 Alpena, Michigan compared to the annual auto insurance rates with a clean record in Alpena, Michigan.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $9,444 | $12,597 | $42,001 | $13,182 |
| Farmers | $4,219 | $5,357 | $5,299 | $5,167 |
| Geico | $1,922 | $3,987 | $11,973 | $3,505 |
| Liberty Mutual | $11,669 | $13,920 | $25,146 | $14,803 |
| Nationwide | $5,683 | $7,605 | $6,921 | $6,413 |
| Progressive | $3,879 | $5,056 | $4,557 | $4,727 |
| State Farm | $7,189 | $8,575 | $18,278 | $10,654 |
| Travelers | $5,658 | $8,053 | $12,908 | $6,686 |
| USAA | $2,536 | $3,144 | $4,126 | $2,760 |
Cheap Alpena, Michigan Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Alpena, Michigan is not easy. Compare the annual rates for DUI auto insurance in Alpena, Michigan to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $42,001 |
| Farmers | $5,299 |
| Geico | $11,973 |
| Liberty Mutual | $25,146 |
| Nationwide | $6,921 |
| Progressive | $4,557 |
| State Farm | $18,278 |
| Travelers | $12,908 |
| USAA | $4,126 |
Cheap Alpena, Michigan Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Alpena, Michigan annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $29,310 | $16,214 | $12,394 |
| Farmers | $6,678 | $4,349 | $4,005 |
| Geico | $6,870 | $5,055 | $4,115 |
| Liberty Mutual | $25,898 | $14,972 | $8,283 |
| Nationwide | $8,377 | $6,271 | $5,320 |
| Progressive | $5,247 | $4,422 | $3,995 |
| State Farm | $18,120 | $9,172 | $6,231 |
| Travelers | $8,534 | $8,275 | $8,170 |
| USAA | $4,680 | $2,685 | $2,060 |
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Cheap Alpena, Michigan Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Alpena, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Alpena, Michigan to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 49707 | $6,319 |
Cheap Alpena, Michigan Auto Insurance Rates By Commute
Commute length and annual mileage affect Alpena, Michigan auto insurance. Find the cheapest annual Alpena, Michigan auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $19,306 | $19,306 |
| Farmers | $5,011 | $5,011 |
| Geico | $5,223 | $5,471 |
| Liberty Mutual | $15,810 | $16,959 |
| Nationwide | $6,656 | $6,656 |
| Progressive | $4,555 | $4,555 |
| State Farm | $10,873 | $11,475 |
| Travelers | $8,279 | $8,375 |
| USAA | $3,106 | $3,177 |
Cheap Alpena, Michigan Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Alpena, Michigan? Check out the comparison of annual Alpena, Michigan auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $18,877 | $19,344 | $19,697 |
| Farmers | $4,881 | $5,000 | $5,151 |
| Geico | $4,997 | $5,299 | $5,744 |
| Liberty Mutual | $15,988 | $16,346 | $16,819 |
| Nationwide | $6,997 | $6,535 | $6,435 |
| Progressive | $4,421 | $4,561 | $4,683 |
| State Farm | $10,625 | $11,242 | $11,655 |
| Travelers | $8,241 | $8,334 | $8,405 |
| USAA | $3,036 | $3,150 | $3,238 |
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Best By Category: Cheapest Auto Insurance in Alpena, Michigan
Compare the cheapest auto insurance companies in Alpena, 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 Alpena, Michigan Auto Insurance Companies
What auto insurance companies in Alpena, Michigan are the cheapest? Compare the top Alpena, Michigan auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $19,306 |
| Farmers | $5,011 |
| Geico | $5,347 |
| Liberty Mutual | $16,384 |
| Nationwide | $6,656 |
| Progressive | $4,555 |
| State Farm | $11,174 |
| Travelers | $8,327 |
| USAA | $3,142 |
What affects auto insurance rates in Alpena, Michigan?
There are a lot of reasons why auto insurance rates in Alpena, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Alpena, Michigan. Many local factors may affect your Alpena auto insurance rates.
Alpena Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Alpena, Michigan auto theft statistics, there have been 3 auto thefts in the city.
Alpena Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Alpena, Michigan commute length is 10.5 minutes according to City-Data.
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Compare Alpena, Michigan Auto Insurance Quotes
Before you buy Alpena, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Alpena, Michigan auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of insurance coverage that protects you financially in case of damage or loss to your vehicle due to accidents, theft, or other covered events. It also provides liability coverage if you cause injury or property damage to others while operating your vehicle.
Do I need auto insurance in Alpena, MI?
Yes, auto insurance is mandatory in Alpena, MI, as it is in most states. Michigan requires all drivers to carry minimum liability coverage for bodily injury and property damage. It’s important to have valid auto insurance to legally operate a vehicle in Alpena.
What are the minimum auto insurance requirements in Alpena, MI?
In Michigan, the minimum auto insurance requirements include Personal Injury Protection (PIP) coverage, Property Protection Insurance (PPI), and Bodily Injury and Property Damage (BI/PD) liability coverage. The specific minimum limits may vary, so it’s best to consult with an insurance professional to ensure you meet the legal requirements.
What factors can affect my auto insurance rates in Alpena, MI?
Several factors can influence your auto insurance rates in Alpena, MI, including your driving record, age, gender, marital status, type of vehicle, annual mileage, credit history, and the coverage options you choose. Insurance companies assess these factors to determine the level of risk you present as a driver.
How can I find affordable auto insurance in Alpena, MI?
To find affordable auto insurance in Alpena, MI, it’s recommended to shop around and compare quotes from different insurance providers. You can contact local insurance agents, use online comparison tools, or work with an independent insurance broker who can help you find competitive rates based on your specific needs.
Are there any discounts available for auto insurance in Alpena, MI?
Yes, many insurance companies offer various discounts that can help lower your auto insurance premiums in Alpena, MI. Common discounts include safe driver discounts, multi-policy discounts (if you bundle your auto insurance with other policies), good student discounts, and discounts for certain safety features installed in your vehicle.
What should I do in case of an auto accident in Alpena, MI?
If you’re involved in an auto accident in Alpena, MI, it’s important to prioritize safety and follow certain steps. These include checking for injuries, contacting emergency services if needed, exchanging insurance information with the other parties involved, gathering evidence (photos, witness statements), and promptly reporting the incident to your insurance company.
Can I customize my auto insurance coverage in Alpena, MI?
Yes, auto insurance coverage can be customized to meet your specific needs in Alpena, MI. In addition to the required minimum coverage, you can choose to add optional coverages such as collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, roadside assistance, and rental car reimbursement.
How can I lower my auto insurance premiums in Alpena, MI?
There are several ways to potentially lower your auto insurance premiums in Alpena, MI. These include maintaining a good driving record, taking defensive driving courses, bundling your policies with the same insurance provider, increasing your deductibles, asking about available discounts, and periodically reviewing your coverage to ensure it aligns with your needs.
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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.