Belleville, MI Auto Insurance (2024)
The average Belleville, MI auto insurance rates are $1,050 per month. The minimum auto insurance in Belleville is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Belleville, 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
- The minimum auto insurance required in Belleville, Michigan is 20/40/10
- The cheapest auto insurance company in Belleville is USAA
- The average commute length in Belleville is 27.1 minutes
Belleville, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Belleville 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 Belleville, Michigan, including driving record, credit, commute time, and more.
Compare auto insurance in Belleville to other Michigan cities, including Dearborn auto insurance rates, Grand Rapids auto insurance rates, and Troy auto insurance rates to see how Belleville, Michigan auto insurance rates stack up.
Before you buy Belleville, Michigan auto insurance, make sure you have compared rates from multiple companies. You want to ensure that the services that you’re paying for are going to be what you need, and also available when you need them. Enter your ZIP code above to get free Belleville, Michigan auto insurance quotes.
What is the minimum amount of auto insurance you need in Belleville, Michigan?
Belleville, 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 Belleville, 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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Will age, gender, and marital status affect what you pay?
Auto insurance rates in Belleville, 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 | $22,348 | $22,348 | $20,949 | $20,949 | $52,447 | $52,447 | $23,480 | $23,480 |
| Farmers | $11,089 | $11,089 | $10,271 | $10,271 | $24,104 | $24,104 | $12,524 | $12,524 |
| Geico | $4,437 | $4,437 | $4,544 | $4,544 | $12,532 | $12,532 | $4,240 | $4,240 |
| Liberty Mutual | $15,626 | $15,626 | $15,472 | $15,472 | $36,658 | $36,658 | $15,626 | $15,626 |
| Nationwide | $4,382 | $4,382 | $3,896 | $3,896 | $11,535 | $11,535 | $4,804 | $4,804 |
| Progressive | $3,302 | $3,045 | $2,914 | $3,277 | $12,109 | $12,831 | $3,837 | $3,501 |
| State Farm | $9,173 | $9,173 | $8,554 | $8,554 | $32,729 | $32,729 | $10,782 | $10,782 |
| Travelers | $7,464 | $7,464 | $6,400 | $6,400 | $22,645 | $22,645 | $8,116 | $8,116 |
| USAA | $2,664 | $2,507 | $2,511 | $2,359 | $6,555 | $6,188 | $3,236 | $3,081 |
Are teen drivers able to find affordable rates?
Finding cheap teen auto insurance in Belleville, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Belleville, Michigan.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $52,447 | $52,447 |
| Farmers | $24,104 | $24,104 |
| Geico | $12,532 | $12,532 |
| Liberty Mutual | $36,658 | $36,658 |
| Nationwide | $11,535 | $11,535 |
| Progressive | $12,109 | $12,831 |
| State Farm | $32,729 | $32,729 |
| Travelers | $22,645 | $22,645 |
| USAA | $6,555 | $6,188 |
Are senior drivers able to find cheap auto insurance?
What are senior auto insurance rates in Belleville, 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 | $20,949 | $20,949 |
| Farmers | $10,271 | $10,271 |
| Geico | $4,544 | $4,544 |
| Liberty Mutual | $15,472 | $15,472 |
| Nationwide | $3,896 | $3,896 |
| Progressive | $2,914 | $3,277 |
| State Farm | $8,554 | $8,554 |
| Travelers | $6,400 | $6,400 |
| USAA | $2,511 | $2,359 |
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Does your driving record affect what you pay for auto insurance?
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Belleville, Michigan compared to the annual auto insurance rates with a clean record in Belleville, Michigan.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $14,304 | $19,305 | $65,465 | $20,151 |
| Farmers | $12,093 | $15,603 | $15,353 | $14,938 |
| Geico | $2,229 | $4,785 | $14,575 | $4,165 |
| Liberty Mutual | $14,451 | $17,540 | $32,806 | $18,584 |
| Nationwide | $5,265 | $7,027 | $6,394 | $5,931 |
| Progressive | $4,732 | $6,252 | $5,611 | $5,814 |
| State Farm | $9,627 | $11,603 | $25,439 | $14,568 |
| Travelers | $7,561 | $10,789 | $17,326 | $8,948 |
| USAA | $2,923 | $3,658 | $4,784 | $3,185 |
Will your rates change after a DUI?
Finding cheap auto insurance after a DUI in Belleville, Michigan is not easy. Compare the annual rates for DUI auto insurance in Belleville, Michigan to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $65,465 |
| Farmers | $15,353 |
| Geico | $14,575 |
| Liberty Mutual | $32,806 |
| Nationwide | $6,394 |
| Progressive | $5,611 |
| State Farm | $25,439 |
| Travelers | $17,326 |
| USAA | $4,784 |
Would credit history affect auto insurance rates in Belleville, Michigan?
Credit history can have a major effect on the cost of auto insurance. See how Belleville, Michigan annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $45,797 | $25,075 | $18,546 |
| Farmers | $21,723 | $11,303 | $10,465 |
| Geico | $8,285 | $6,084 | $4,946 |
| Liberty Mutual | $32,977 | $19,045 | $10,515 |
| Nationwide | $7,715 | $5,809 | $4,939 |
| Progressive | $6,478 | $5,441 | $4,887 |
| State Farm | $24,867 | $12,554 | $8,508 |
| Travelers | $11,437 | $11,087 | $10,945 |
| USAA | $5,437 | $3,112 | $2,364 |
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Does your ZIP code alter what you pay for auto insurance?
Auto insurance rates by ZIP code in Belleville, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Belleville, Michigan to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 48111 | $8,814 |
Will a person’s commute affect their auto insurance payments in Belleville, Michigan?
Commute length and annual mileage affect Belleville, Michigan auto insurance. Find the cheapest annual Belleville, Michigan auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $29,806 | $29,806 |
| Farmers | $14,497 | $14,497 |
| Geico | $6,293 | $6,584 |
| Liberty Mutual | $20,130 | $21,560 |
| Nationwide | $6,154 | $6,154 |
| Progressive | $5,602 | $5,602 |
| State Farm | $14,885 | $15,734 |
| Travelers | $11,092 | $11,221 |
| USAA | $3,596 | $3,679 |
How do coverage levels change auto insurance payments?
How much does the coverage level you select affect the cost of your auto insurance in Belleville, Michigan? Check out the comparison of annual Belleville, Michigan auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $29,234 | $29,857 | $30,327 |
| Farmers | $14,019 | $14,452 | $15,020 |
| Geico | $6,050 | $6,385 | $6,880 |
| Liberty Mutual | $20,390 | $20,801 | $21,345 |
| Nationwide | $6,412 | $6,058 | $5,993 |
| Progressive | $5,432 | $5,607 | $5,767 |
| State Farm | $14,471 | $15,413 | $16,045 |
| Travelers | $11,055 | $11,166 | $11,247 |
| USAA | $3,518 | $3,648 | $3,747 |
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What are the best by category auto insurance companies in Belleville, Michigan?
Compare the cheapest auto insurance companies in Belleville, 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 |
What are the cheapest auto insurance companies in Belleville, Michigan?
What auto insurance companies in Belleville, Michigan are the cheapest? Compare the top Belleville, Michigan auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $29,806 |
| Farmers | $14,497 |
| Geico | $6,438 |
| Liberty Mutual | $20,845 |
| Nationwide | $6,154 |
| Progressive | $5,602 |
| State Farm | $15,309 |
| Travelers | $11,156 |
| USAA | $3,638 |
What affects auto insurance rates in Belleville, Michigan?
There are a lot of reasons why auto insurance rates in Belleville, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Belleville, Michigan. Many local factors may affect your Belleville auto insurance rates.
Belleville Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Belleville, Michigan auto theft statistics, there have been 0 auto thefts in the city.
Belleville Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Belleville, Michigan commute length is 27.1 minutes according to City-Data.
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Should you compare auto quotes for Belleville, Michigan?
Before you buy Belleville, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Belleville, Michigan auto insurance quotes.
Frequently Asked Questions
What is Belleville, MI auto insurance?
Belleville, MI auto insurance refers to the insurance coverage specifically designed for vehicles registered and operated in Belleville, Michigan. It provides financial protection in case of accidents, damages, or theft related to the insured vehicle.
Is auto insurance mandatory in Belleville, MI?
Yes, auto insurance is mandatory in Belleville, MI, as it is in the entire state of Michigan. All registered vehicles must carry at least the minimum required liability coverage. Failure to have insurance can result in fines, license suspension, and other legal consequences.
What are the minimum auto insurance requirements in Belleville, MI?
Yes, auto insurance is mandatory in Belleville, MI, as it is in the entire state of Michigan. All registered vehicles must carry at least the minimum required liability coverage. Failure to have insurance can result in fines, license suspension, and other legal consequences.
What are the minimum auto insurance requirements in Belleville, MI?
The minimum auto insurance requirements in Belleville, MI, as mandated by the state, are as follows:
- $50,000 bodily injury liability per person
- $100,000 bodily injury liability per accident
- $10,000 property damage liability per accident
Can I choose higher coverage limits than the minimum requirements?
Yes, you can choose higher coverage limits for your auto insurance in Belleville, MI. While the minimum requirements fulfill legal obligations, it’s often recommended to consider higher coverage limits to adequately protect yourself and your assets in case of an accident.
How can I find the best auto insurance rates in Belleville, MI?
To find the best auto insurance rates in Belleville, MI, consider the following steps:
- Shop around and compare quotes from multiple insurance providers.
- Consider bundling your auto insurance with other policies like home insurance for potential discounts.
- Maintain a good driving record and a high credit score, as these can positively impact your rates.
- Ask about available discounts, such as safe driver discounts or discounts for installing anti-theft devices in your vehicle.
- Consider working with an independent insurance agent who can help you navigate the options and find the best rates for your specific needs.
What factors can affect my auto insurance rates in Belleville, MI?
Several factors can influence your auto insurance rates in Belleville, MI, including:
- Your driving record and history of accidents or traffic violations.
- The type of vehicle you drive, including its make, model, and age.
- Your age and gender.
- Your credit history.
- The coverage limits and deductible you choose.
- The average cost of claims and the general risk profile in your area.
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.