Best Cheap Auto Insurance in Alpena, MI (2021)

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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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 4, 2022

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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.

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Things to Remember

  • 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.

Minimum Required Auto Insurance Coverage 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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Alpena, Michigan

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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Alpena, Michigan

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.

Annual Alpena, Michigan Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Alpena, Michigan

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.

Annual Auto Insurance Rates by Credit Score in Alpena, Michigan

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.

Annual Auto Insurance Rates by ZIP Code in Alpena, Michigan

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.

Annual Auto Insurance Rates by Commute Length in Alpena, Michigan

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.

Annual Auto Insurance Rates by Coverage Level in Alpena, Michigan

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.

Best Annual Auto Insurance Rates by Company in Alpena, Michigan

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.

Average Annual Auto Insurance Rates by Company in Alpena, Michigan

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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