Cheapest Car Insurance In Saginaw, MI For 2024
In Saginaw, GEICO provides the lowest rates for minimum coverage car insurance, averaging $37 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
In Saginaw, MI, the cost of car insurance can differ significantly when looking for the cheapest choice.
If you’re after the cheapest liability-only insurance, GEICO is the clear leader. For full coverage, Progressive offers the best deal, and young drivers can save the most with State Farm.
Cheapest And Best Car Insurance In Saginaw, MI 2024
Cheapest Liability-only Car Insurance In Saginaw: Cincinnati
In Saginaw, GEICO provides the most affordable minimum coverage car insurance, averaging $37 per month.
Check the table below to see how rates differ between different insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Travelers | $41 | $490 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Cheapest Full Coverage Insurance Rates In Saginaw: Auto-Owners
For full coverage, Progressive provides the lowest rates in Saginaw, averaging $92 monthly.
Below is a table comparing the average auto insurance rates from affordable insurers in Saginaw.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $73 | $871 |
| Cincinnati | $80 | $962 |
| Nationwide | $74 | $884 |
| Shelter | $92 | $1,107 |
| Allstate | $124 | $1,490 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
In Saginaw, seniors can find the most affordable car insurance with State Farm, averaging $87 a month.
Below is a table comparing average quotes from the lowest-cost auto insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $68 | $814 |
| State Farm | $86 | $1,036 |
| Allstate | $133 | $1,590 |
| Shelter | $95 | $1,135 |
| GEICO | $112 | $1,344 |
Cheapest Rates In Saginaw For Teenagers: Nationwide
In Saginaw, teenage drivers can find the most affordable insurance with State Farm, averaging $313 per month.
Below is a table showing the companies with the most affordable insurance rates for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $155 | $1,865 |
| State Farm | $176 | $2,109 |
| Allstate | $167 | $2,007 |
| Travelers | $198 | $2,370 |
| Auto-Owners | $243 | $2,913 |
Cheapest Auto Insurance For Young Adults in Saginaw: Travelers
State Farm provides the lowest insurance rates for young adults in Saginaw, averaging $238 per month.
Below, you can use the table to compare the most affordable auto insurance rates for young adults in Saginaw.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $91 | $1,092 |
| State Farm | $119 | $1,422 |
| Nationwide | $99 | $1,192 |
| Auto-Owners | $100 | $1,197 |
| Allstate | $130 | $1,560 |
Cheapest Car Insurance In Saginaw For Good Drivers: Cincinnati
GEICO offers the cheapest car insurance rates for safe drivers in Saginaw, with monthly premiums around $37.
The table below shows average quotes from the most budget-friendly insurance companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Shelter | $48 | $576 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Find affordable Saginaw rates
Cheapest Car Insurance In Saginaw After A Speeding Ticket: Auto-Owners
In Saginaw, State Farm provides competitive rates, with an average of $176 per month for drivers who have a speeding ticket.
The table below shows average insurance rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $80 | $964 |
| State Farm | $107 | $1,280 |
| Cincinnati Insurance | $95 | $1,140 |
| Allstate | $148 | $1,772 |
| Progressive | $136 | $1,632 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
For drivers with an at-fault incident, State Farm offers the most affordable car insurance, with an average monthly rate of $193.
Here is a list of car insurance providers with the most affordable rates for drivers who have an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $99 | $1,197 |
| Cincinnati Insurance | $167 | $2,004 |
| State Farm | $116 | $1,391 |
| GEICO | $217 | $2,600 |
| Progressive | $124 | $1,490 |
Cheapest Rates In Saginaw For Drivers After A DUI: State Farm
In Saginaw, State Farm provides the most affordable insurance for drivers after a DUI, with rates averaging $188 per month.
The table below shows the cheapest insurance rates for Saginaw drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $107 | $1,282 |
| Nationwide | $138 | $1,657 |
| Allstate | $166 | $1,992 |
| Auto-Owners | $171 | $2,051 |
| Cincinnati | $213 | $2,555 |
Best Car Insurance Companies In Saginaw
AAA provides the cheapest car insurance in Saginaw, with rates starting at $83 a month. Alternatively, Progressive charges $90 a month, and GEICO’s rates are $93 per month.
The following list shows the top 10 car insurance companies in Saginaw, MI, ranked by the average monthly premiums they offer.
| Company | Monthly Premium |
| Cincinnati Insurance | $30 |
| Farm Bureau | $39 |
| Travelers | $41 |
| Auto-Owners | $37 |
| State Farm | $50 |
| Nationwide | $43 |
| Allstate | $76 |
| GEICO | $53 |
| Shelter | $50 |
| Westfield | $62 |
| Grange Insurance | $89 |
Average Auto Insurance Rates In Saginaw – By Age
Car insurance rates are heavily influenced by age, with younger drivers paying higher premiums due to their lack of experience and greater likelihood of accidents and traffic tickets. Teenagers generally pay about $7,599 per year for car insurance.
Insurance premiums tend to lower once drivers reach the age of 25, as long as they maintain a spotless driving record.
The most affordable car insurance rates are typically offered to drivers in their 50s and early 60s. Insurers use age to gauge driving experience and risk, which affects premium costs.
| Age | Average Yearly Rate |
| Teenagers | $4,080 |
| 20s | $2,100 |
| 30s | $1,704 |
| 40s | $1,500 |
| 50s | $1,370 |
| 60s | $1,440 |
| 70s | $1,632 |
Average Rates In Saginaw – By Vehicle
Your vehicle’s type significantly impacts your insurance costs. Insurance companies consider the make, model, year, and body style when calculating premiums. Generally, newer cars and luxury models with more expensive repairs or replacements have higher rates.
Use the table below to compare average insurance rates in Saginaw for different vehicle types.
| Vehicle | Average Monthly Rate |
| Hyundai Sonata | $970 |
| Audi A3 | $129 |
| Toyota Prius | $192 |
| Chevrolet Equinox | $360 |
| Kia Optima | $460 |
Average Cost Of Auto Insurance In Saginaw – By Zip Code
Zip codes play a key role in determining insurance rates, as they help insurers evaluate local crime statistics, which affect car insurance costs.
Use the table below to compare the average car insurance rates across different Saginaw zip codes.
| Zip Code | Average Monthly Rate |
| 40509 | $153 |
| 40511 | $130 |
| 40516 | $105 |
| 40504 | $124 |
| 40515 | $165 |
How Much Is Car Insurance In Other Cities in Michigan ?
Car insurance premiums are heavily influenced by the city you live in. Urban areas, with higher accident, theft, and vandalism rates, often lead to higher insurance costs due to the increased risk.
As an example, drivers in Los Angeles typically pay about $243 a month for car insurance, while those in San Diego pay around $176 monthly.
| City | Average Monthly Rate |
| Bowling Green | $135 |
| Newport | $133 |
| Owensboro | $142 |
| Danville | $158 |
| Versailles | $98 |
| Somerset | $125 |
| Covington | $127 |
| Ashland | $115 |
| Richmond | $130 |
| Frankfort | $128 |
Find affordable Saginaw rates
Our Methodology
By evaluating customer feedback, product choices, pricing, and insights from multiple online review sites, I’ve created an in-depth analysis of the car insurance market in Saginaw, MI.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Saginaw?
In Saginaw, GEICO has the cheapest rates for basic car insurance, and Progressive offers the lowest prices for full coverage, which includes collision and comprehensive insurance.
What is the average cost of car insurance in Saginaw?
The typical monthly cost of car insurance in Saginaw is approximately $180, but your rate can change depending on your location, car details, and driving record.
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