Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in 49838, MI
We monitor insurance prices, helping the average driver in 49838 save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in 49838
The chart below shows the cheapest car insurance company in 49838 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by Progressive, State Farm, and Safeco Insurance.
| 49838 Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $100 |
| Progressive | $114 |
| State Farm | $115 |
| Safeco Insurance | $122 |
Savings for Every Kind of 49838 Driver
Based on our extensive insurance data, we know the average 49838 driver will save about 40% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $1,084 per year by choosing the right vehicle insurance company. Some 49838 residents are paying out over $2,698 extra every year for auto insurance in 49838. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
49838, MI Savings / Yr. |
|---|---|
$1,084 |
|
$1,770 |
|
$1,566 |
|
$2,381 |
|
$2,809 |
|
$0 |
|
$0 |
49838 Car Insurance vs. Michigan
People living in 49838 pay an average of 6.93% less than the typical driver in the state. The average driver in 49838 can expect to pay about $2,049 per year, or $2,698 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in 49838 for most people.
Car Insurance Prices by 49838 Neighborhood
Insurance Prices
Where is insurance cheapest within 49838?
The map shows insurance prices in and around 49838, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $17 per year within the zip boundaries, with insurance premiums ranging from a high of $2,711 to a low of $2,694. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Northwest parts of 49838.Pick the Best Car Insurance Company for You in 49838
The best car insurance provider for most drivers in 49838
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,084 over the average 49838 car insurance company.
The best car insurance provider for 49838 drivers with accidents on their records
In our analysis, Auto-Owners Insurance saved the average person who had been in an accident the most, with annual savings averaging $1,770 over the competition.
The best car insurance company for 49838 drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,566 better than other car insurance companies.
The best auto insurance for 49838 drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,381 less each year.
The least expensive car insurance company for new and young drivers in 49838
In 49838, Geico costs young drivers $2,809 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 49838
The cheapest car insurance in 49838 for drivers with bad credit
The best 49838 car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in 49838, which was better than other insurers.
The cheapest large national provider in 49838
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average 49838 driver can expect to pay about $163 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 49838, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, and drivers with a DUI conviction.Auto Insurance Prices in and Around 49838
What Influences the Cost of Car Insurance in 49838?
On average, car insurance in 49838 is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:
- The average commute time in 49838 is 31 minutes, which is about the national average for a driver in the state.
- Michigan state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- 49838 is one of the most densely populated areas in the state. The zip’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in 49838 is $171 per month for minimum coverage and $225 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Zip Codes
- 49820: Insurance costs 0.33% more
- 49836: Insurance costs the same
- 49827: Insurance costs 1.45% more
- 49853: Insurance costs 0.41% more
- 49840: Insurance costs 0.56% more
- 49762: Insurance costs 1.52% more
- 49793: Insurance costs 0.93% more
- 49760: Insurance costs 1.04% more
- 49895: Insurance costs 3.26% more
- 49780: Insurance costs 1.48% less
Zip Codes with Similar Populations
- 73760: Insurance costs 39.25% less
- 46537: Insurance costs 57.12% less
- 47857: Insurance costs 55.67% less
- 49965: Insurance costs 9.12% more
- 50434: Insurance costs 56.19% less
- 72739: Insurance costs 39.62% less
- 73537: Insurance costs 39.36% less
- 73557: Insurance costs 40.96% less
- 73726: Insurance costs 37.18% less
- 45328: Insurance costs 61.01% less