Affordable Car Insurance Rates in Ludington, MI (2024)
Car insurance rates in Ludington, MI are $788/month on average. By law, Michigan drivers need to carry at least 20/40/10 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Ludington car insurance companies to get the coverage you need at the best rates available.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jan 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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 cheapest car insurance company in Ludington after a DUI is USAA
- The annual number of car thefts in Ludington is 2.
- Average car insurance rates in Ludington, MI are $788/month
Average car insurance rates in Ludington, Michigan are $788 a month. But with a little research you can get a great deal from the top car insurance companies in Ludington, MI. Before you buy Ludington, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.
It may even be helpful to compare Ludington car insurance rates with Grand Rapids car insurance rates, Lansing car insurance rates, or Detroit car insurance rates to make sure you’re getting the best Ludington, MI car insurance quotes available.
Need affordable Ludington, MI car insurance? Enter your ZIP code to compare Ludington car insurance quotes from multiple car insurance companies near you.
Ludington, MI Minimum Car Insurance Coverage
Ludington, Michigan law requires drivers carry a minimum of 20/40/10 coverage. Take a look at the breakdown of the minimums here.
Minimum Required Car Insurance Coverage in Ludington, 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 |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Ludington, MI Car Insurance Rates by Coverage Level
Some Ludington drivers can get by with the Michigan minimum coverage of 20/40/10. Other drivers may need more. See how much your Ludington, Michigan car insurance rates may be based on the coverage you need.
Annual Car Insurance Rates by Coverage Level in Ludington, Michigan
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $19,874 | $20,353 | $20,716 |
| Farmers | $5,231 | $5,354 | $5,515 |
| Geico | $5,130 | $5,430 | $5,871 |
| Liberty Mutual | $19,708 | $20,084 | $20,583 |
| Nationwide | $6,869 | $6,440 | $6,353 |
| Progressive | $4,640 | $4,790 | $4,921 |
| State Farm | $10,948 | $11,570 | $11,988 |
| Travelers | $7,365 | $7,444 | $7,504 |
| USAA | $3,458 | $3,566 | $3,651 |
Ludington, MI Car Insurance Rates by Age, Gender, and Marital Status
Ludington, Michigan car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Ludington, MI car insurance, get quotes from multiple car insurance companies in the Ludington area and see how these criteria affect your rates.
Annual Car Insurance Rates by Age, Gender, and Marital Status in Ludington, 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 | $14,808 | $14,808 | $13,735 | $13,735 | $37,110 | $37,110 | $15,605 | $15,605 |
| Farmers | $4,092 | $4,092 | $3,819 | $3,819 | $8,966 | $8,966 | $4,590 | $4,590 |
| Geico | $3,787 | $3,787 | $3,850 | $3,850 | $10,646 | $10,646 | $3,624 | $3,624 |
| Liberty Mutual | $14,956 | $14,956 | $14,804 | $14,804 | $35,785 | $35,785 | $14,956 | $14,956 |
| Nationwide | $4,649 | $4,649 | $4,126 | $4,126 | $12,340 | $12,340 | $5,101 | $5,101 |
| Progressive | $2,786 | $2,621 | $2,464 | $2,714 | $10,278 | $11,075 | $3,254 | $3,078 |
| State Farm | $7,015 | $7,015 | $6,482 | $6,482 | $24,282 | $24,282 | $8,228 | $8,228 |
| Travelers | $4,991 | $4,991 | $4,282 | $4,282 | $15,054 | $15,054 | $5,423 | $5,423 |
| USAA | $2,640 | $2,489 | $2,483 | $2,340 | $6,312 | $5,955 | $3,197 | $3,050 |
Ludington, MI Car Insurance Rates for Teens
How much is Ludington, Michigan car insurance for teens? Compare rates from top Ludington car insurance companies below to help find the cheapest teen car insurance in Ludington, MI.
Annual Car Insurance Rates for Teen Drivers in Ludington, Michigan
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $37,110 | $37,110 |
| Farmers | $8,966 | $8,966 |
| Geico | $10,646 | $10,646 |
| Liberty Mutual | $35,785 | $35,785 |
| Nationwide | $12,340 | $12,340 |
| Progressive | $10,278 | $11,075 |
| State Farm | $24,282 | $24,282 |
| Travelers | $15,054 | $15,054 |
| USAA | $6,312 | $5,955 |
Ludington, MI Car Insurance Rates for Seniors
Before seniors buy Ludington, Michigan car insurance, they should make sure to shop around. Some Ludington, MI car insurance companies may offer discounts or other savings options for senior car insurance.
Annual Car Insurance Rates for Senior Drivers in Ludington, Michigan
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $13,735 | $13,735 |
| Farmers | $3,819 | $3,819 |
| Geico | $3,850 | $3,850 |
| Liberty Mutual | $14,804 | $14,804 |
| Nationwide | $4,126 | $4,126 |
| Progressive | $2,464 | $2,714 |
| State Farm | $6,482 | $6,482 |
| Travelers | $4,282 | $4,282 |
| USAA | $2,483 | $2,340 |
Ludington, MI Car Insurance Rates by Credit History
How does your credit history affect Ludington, MI car insurance rates? Review the numbers here to find out.
Annual Car Insurance Rates by Credit Score in Ludington, Michigan
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $30,809 | $17,065 | $13,069 |
| Farmers | $7,103 | $4,679 | $4,318 |
| Geico | $7,039 | $5,177 | $4,214 |
| Liberty Mutual | $31,844 | $18,386 | $10,145 |
| Nationwide | $8,224 | $6,184 | $5,254 |
| Progressive | $5,495 | $4,645 | $4,211 |
| State Farm | $18,656 | $9,440 | $6,411 |
| Travelers | $7,622 | $7,392 | $7,299 |
| USAA | $5,325 | $3,042 | $2,308 |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Ludington, MI Car Insurance Rates by Driver History
How does a single speeding ticket affect your Ludington, Michigan car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Ludington.
Annual Ludington, Michigan Car Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $9,853 | $13,161 | $44,417 | $13,828 |
| Farmers | $4,519 | $5,741 | $5,671 | $5,536 |
| Geico | $1,942 | $4,081 | $12,311 | $3,574 |
| Liberty Mutual | $14,339 | $17,098 | $30,874 | $18,190 |
| Nationwide | $5,604 | $7,485 | $6,811 | $6,316 |
| Progressive | $4,079 | $5,312 | $4,780 | $4,964 |
| State Farm | $7,382 | $8,815 | $18,847 | $10,965 |
| Travelers | $5,050 | $7,190 | $11,546 | $5,964 |
| USAA | $2,866 | $3,572 | $4,674 | $3,121 |
Ludington, MI Car Insurance Rates With a DUI
Even a single DUI can increase your Ludington, MI car insurance rates. Compare rates below to see which Ludington car insurance company has the best rates for drivers with a DUI.
Annual Car Insurance Rates After a DUI in Ludington, Michigan
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $44,417 |
| Farmers | $5,671 |
| Geico | $12,311 |
| Liberty Mutual | $30,874 |
| Nationwide | $6,811 |
| Progressive | $4,780 |
| State Farm | $18,847 |
| Travelers | $11,546 |
| USAA | $4,674 |
Ludington, MI Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Ludington, MI car insurance rates may be. Let’s take a look at average car insurance rates from top Ludington companies based on commute time.
Annual Car Insurance Rates by Commute Length in Ludington, Michigan
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $20,314 | $20,314 |
| Farmers | $5,367 | $5,367 |
| Geico | $5,352 | $5,602 |
| Liberty Mutual | $19,417 | $20,833 |
| Nationwide | $6,554 | $6,554 |
| Progressive | $4,784 | $4,784 |
| State Farm | $11,194 | $11,810 |
| Travelers | $7,395 | $7,480 |
| USAA | $3,517 | $3,599 |
Ludington, MI Cheapest Car Insurance Rates
How do the top Ludington, Michigan car insurance companies’ average rates stack up against the Ludington average monthly car insurance rates of $788? Take a look and see.
Best Annual Car Insurance Rates by Company in Ludington, Michigan
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Ludington, MI Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Ludington, Michigan car insurance companies to help you find one that best fits your needs.
Average Annual Car Insurance Rates by Company in Ludington, Michigan
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $20,314 |
| Farmers | $5,367 |
| Geico | $5,477 |
| Liberty Mutual | $20,125 |
| Nationwide | $6,554 |
| Progressive | $4,784 |
| State Farm | $11,502 |
| Travelers | $7,438 |
| USAA | $3,558 |
Other Factors Affecting Ludington, MI Car Insurance Rates
Before you buy Ludington, Michigan car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Ludington, MI Car Theft Rates
The car theft rate in Ludington, MI will affect your car insurance rates. FBI data shows that the annual car theft rate for Ludington, Michigan is 2 stolen cars.
Ludington, MI Commute Time
How does your Ludington, MI commute time compare with the average driver? In Ludington, the average commute is 11.3 minutes.
Ludington, MI Car Insurance Quotes
Compare Ludington, MI car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.