Best Gaylord, Michigan Auto Insurance in 2024
The average Gaylord, MI auto insurance rates are $791 per month. The minimum auto insurance in Gaylord is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Gaylord, Michigan, compare quotes from multiple companies.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Sep 9, 2024
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: Sep 9, 2024
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 Gaylord, Michigan is 20/40/10
- The cheapest auto insurance company in Gaylord is USAA
- The most expensive auto insurance company in Gaylord for teen drivers is Allstate
Gaylord, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Gaylord 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 Gaylord, Michigan, including driving record, credit, commute time, and more.
Compare auto insurance in Gaylord to other Michigan cities, including Dearborn auto insurance rates, Grand Rapids auto insurance rates, and Ann Arbor auto insurance rates to see how Gaylord, Michigan auto insurance rates stack up.
Before you buy Gaylord, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Gaylord, Michigan auto insurance quotes.
Minimum Auto Insurance in Gaylord, Michigan
Gaylord, 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 Gaylord, 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 Gaylord, Michigan Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Gaylord, 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 | $18,178 | $18,178 | $17,007 | $17,007 | $43,020 | $43,020 | $19,109 | $19,109 |
Farmers | $3,436 | $3,436 | $3,204 | $3,204 | $7,843 | $7,843 | $3,852 | $3,852 |
Geico | $3,950 | $3,950 | $3,992 | $3,992 | $11,005 | $11,005 | $3,781 | $3,781 |
Liberty Mutual | $12,825 | $12,825 | $12,695 | $12,695 | $30,474 | $30,474 | $12,825 | $12,825 |
Nationwide | $4,680 | $4,680 | $4,166 | $4,166 | $12,064 | $12,064 | $5,117 | $5,117 |
Progressive | $2,808 | $2,629 | $2,483 | $2,752 | $10,205 | $10,923 | $3,271 | $3,060 |
State Farm | $6,305 | $6,305 | $5,830 | $5,830 | $21,957 | $21,957 | $7,404 | $7,404 |
Travelers | $5,584 | $5,584 | $4,792 | $4,792 | $16,861 | $16,861 | $6,069 | $6,069 |
USAA | $2,653 | $2,529 | $2,489 | $2,362 | $6,524 | $6,244 | $3,253 | $3,144 |
Cheap Gaylord, Michigan Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Gaylord, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Gaylord, Michigan.
Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
---|---|---|
Allstate | $43,020 | $43,020 |
Farmers | $7,843 | $7,843 |
Geico | $11,005 | $11,005 |
Liberty Mutual | $30,474 | $30,474 |
Nationwide | $12,064 | $12,064 |
Progressive | $10,205 | $10,923 |
State Farm | $21,957 | $21,957 |
Travelers | $16,861 | $16,861 |
USAA | $6,524 | $6,244 |
Cheap Gaylord, Michigan Auto Insurance for Seniors
What are senior auto insurance rates in Gaylord, 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 | $17,007 | $17,007 |
Farmers | $3,204 | $3,204 |
Geico | $3,992 | $3,992 |
Liberty Mutual | $12,695 | $12,695 |
Nationwide | $4,166 | $4,166 |
Progressive | $2,483 | $2,752 |
State Farm | $5,830 | $5,830 |
Travelers | $4,792 | $4,792 |
USAA | $2,489 | $2,362 |
Cheap Gaylord, 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 Gaylord, Michigan compared to the annual auto insurance rates with a clean record in Gaylord, Michigan.
Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
---|---|---|---|---|
Allstate | $11,781 | $15,856 | $53,166 | $16,511 |
Farmers | $3,863 | $4,911 | $4,841 | $4,720 |
Geico | $2,036 | $4,233 | $12,738 | $3,722 |
Liberty Mutual | $12,177 | $14,582 | $26,565 | $15,494 |
Nationwide | $5,553 | $7,442 | $6,765 | $6,267 |
Progressive | $4,055 | $5,296 | $4,769 | $4,946 |
State Farm | $6,616 | $7,923 | $17,073 | $9,884 |
Travelers | $5,658 | $8,053 | $12,908 | $6,686 |
USAA | $2,936 | $3,658 | $4,803 | $3,202 |
Cheap Gaylord, Michigan Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Gaylord, Michigan is not easy. Compare the annual rates for DUI auto insurance in Gaylord, Michigan to find the best deal.
Insurance Company | Annual Auto Insurance Rates With a DUI |
---|---|
Allstate | $53,166 |
Farmers | $4,841 |
Geico | $12,738 |
Liberty Mutual | $26,565 |
Nationwide | $6,765 |
Progressive | $4,769 |
State Farm | $17,073 |
Travelers | $12,908 |
USAA | $4,803 |
Cheap Gaylord, Michigan Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Gaylord, Michigan annual auto insurance rates by credit history compare.
Insurance Company | Poor | Fair | Good |
---|---|---|---|
Allstate | $37,251 | $20,462 | $15,271 |
Farmers | $5,964 | $4,039 | $3,747 |
Geico | $7,305 | $5,371 | $4,370 |
Liberty Mutual | $27,202 | $15,721 | $8,691 |
Nationwide | $8,198 | $6,128 | $5,194 |
Progressive | $5,489 | $4,628 | $4,182 |
State Farm | $16,811 | $8,518 | $5,793 |
Travelers | $8,534 | $8,275 | $8,170 |
USAA | $5,470 | $3,108 | $2,371 |
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Cheap Gaylord, Michigan Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Gaylord, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Gaylord, Michigan to see how car insurance rates are affected by location.
ZIP Code | Average Annual Rates |
---|---|
49735 | $6,687 |
Cheap Gaylord, Michigan Auto Insurance Rates By Commute
Commute length and annual mileage affect Gaylord, Michigan auto insurance. Find the cheapest annual Gaylord, Michigan auto insurance by commute length.
Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
---|---|---|
Allstate | $24,328 | $24,328 |
Farmers | $4,584 | $4,584 |
Geico | $5,550 | $5,814 |
Liberty Mutual | $16,605 | $17,805 |
Nationwide | $6,507 | $6,507 |
Progressive | $4,766 | $4,766 |
State Farm | $10,103 | $10,645 |
Travelers | $8,279 | $8,375 |
USAA | $3,608 | $3,691 |
Cheap Gaylord, Michigan Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Gaylord, Michigan? Check out the comparison of annual Gaylord, Michigan auto insurance rates by coverage level.
Insurance Company | Low | Medium | High |
---|---|---|---|
Allstate | $23,774 | $24,378 | $24,834 |
Farmers | $4,440 | $4,571 | $4,740 |
Geico | $5,328 | $5,635 | $6,083 |
Liberty Mutual | $16,782 | $17,164 | $17,669 |
Nationwide | $6,846 | $6,388 | $6,286 |
Progressive | $4,619 | $4,773 | $4,907 |
State Farm | $9,900 | $10,432 | $10,790 |
Travelers | $8,241 | $8,334 | $8,405 |
USAA | $3,550 | $3,658 | $3,742 |
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Best By Category: Cheapest Auto Insurance in Gaylord, Michigan
Compare the cheapest auto insurance companies in Gaylord, 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 | Progressive |
With 1 Speeding Violation | USAA |
The Cheapest Gaylord, Michigan Auto Insurance Companies
What auto insurance companies in Gaylord, Michigan are the cheapest? Compare the top Gaylord, Michigan auto insurance companies to find the best annual rates.
Insurance Company | Average Annual Rates |
---|---|
Allstate | $24,328 |
Farmers | $4,584 |
Geico | $5,682 |
Liberty Mutual | $17,205 |
Nationwide | $6,507 |
Progressive | $4,766 |
State Farm | $10,374 |
Travelers | $8,327 |
USAA | $3,650 |
What affects auto insurance rates in Gaylord, Michigan?
There are a lot of reasons why auto insurance rates in Gaylord, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Gaylord, Michigan. Many local factors may affect your Gaylord auto insurance rates.
Gaylord Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Gaylord, Michigan auto theft statistics, there have been 5 auto thefts in the city.
Gaylord Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Gaylord, Michigan commute length is 12.1 minutes according to City-Data.
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Compare Gaylord, Michigan Auto Insurance Quotes
Before you buy Gaylord, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Gaylord, Michigan auto insurance quotes.
Frequently Asked Questions
What factors should I consider when purchasing auto insurance in Gaylord, MI?
When purchasing auto insurance in Gaylord, MI, there are several factors to consider:
- Coverage options: Determine the type and amount of coverage you need, such as liability, comprehensive, collision, personal injury protection, and uninsured/underinsured motorist coverage.
- Deductibles: Decide on the deductible amount you’re comfortable with, as it affects your out-of-pocket expenses in the event of a claim.
- Limits: Understand the coverage limits and ensure they meet the minimum requirements mandated by the state of Michigan.
- Premiums: Compare insurance quotes from different providers to find a policy that fits your budget while providing adequate coverage.
- Provider reputation: Research the insurance company’s reputation for customer service, claims handling, and financial stability.
What are the minimum auto insurance requirements in Gaylord, MI?
In Gaylord, MI, as in the rest of Michigan, the minimum auto insurance requirements are as follows:
- Bodily Injury Liability: $20,000 per person and $40,000 per accident.
- Property Damage Liability: $10,000 per accident.
What additional auto insurance coverage options should I consider in Gaylord, MI?
While the minimum coverage is mandatory, you may also want to consider additional coverage options in Gaylord, MI:
- Comprehensive coverage: Protects against damage to your vehicle from non-collision incidents like theft, vandalism, or natural disasters.
- Collision coverage: Covers the cost of repairs or replacement if your vehicle is damaged in a collision.
- Personal Injury Protection (PIP): Provides medical expenses, lost wages, and other benefits regardless of fault in an accident.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who has insufficient or no insurance.
Are there any discounts available for auto insurance in Gaylord, MI?
Yes, many auto insurance providers offer discounts in Gaylord, MI. Some common discounts include:
- Multi-policy discount: Bundling your auto insurance with other policies like homeowners or renters insurance.
- Good driver discount: Reward for maintaining a clean driving record with no accidents or violations.
- Safety features discount: Installing safety features like anti-lock brakes, airbags, or an anti-theft system in your vehicle.
- Good student discount: Available for students who maintain good grades.
- Low mileage discount: If you drive fewer miles annually, you may be eligible for a discount.
Can I use my auto insurance policy in Gaylord, MI to cover rental cars?
It depends on your specific policy. Some auto insurance policies may extend coverage to rental cars, but it’s important to check with your insurance provider to understand the terms and limitations. Additionally, rental car companies may offer their own insurance options, so it’s advisable to compare the coverage and costs before making a decision.
Are there any specific requirements for teen drivers in Gaylord, MI regarding auto insurance?
In Gaylord, MI, as in the rest of Michigan, teen drivers are subject to the same auto insurance requirements as adult drivers. However, insurance premiums for teen drivers are typically higher due to their lack of driving experience. It’s crucial to add teen drivers to your insurance policy and consider options like driver training discounts or good student discounts to help mitigate the increased costs.
Does my auto insurance cover me if I drive out of state from Gaylord, MI?
In most cases, your auto insurance policy from Gaylord, MI will provide coverage when driving out of state. However, it’s important to review your policy or contact your insurance provider to confirm the extent of coverage, any limitations, and whether you need additional coverage for specific destinations or circumstances.
Can I make changes to my auto insurance policy in Gaylord, MI after purchasing it?
Yes, you can make changes to your auto insurance policy in Gaylord, MI after purchasing it. If you need to adjust your coverage, add or remove drivers, update your address, or make any other modifications, contact your insurance provider. They will guide you through the process and provide any necessary forms or documentation required to make the changes. Keep in mind that policy changes may have an impact on your premiums.
Is it necessary to have auto insurance if I don’t drive my car in Gaylord, MI?
If you own a registered vehicle in Gaylord, MI, the state requires you to have auto insurance regardless of whether or not you drive the car. However, if you plan to store the vehicle and not operate it on public roads, you may be eligible for a “storage” or “comprehensive-only” policy, which provides coverage for damages that may occur while the vehicle is not in use. It’s best to consult with your insurance provider to discuss your specific situation and explore the available options.
Will my auto insurance cover damage caused by natural disasters in Gaylord, MI?
It depends on the type of coverage you have. Comprehensive coverage typically covers damages to your vehicle caused by natural disasters, such as floods, storms, or hail, in Gaylord, MI. However, it’s important to review your policy documents or contact your insurance provider to understand the specific coverage limits, deductibles, and exclusions related to natural disasters.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed 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.