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Get Cheap Car Insurance in Chelsea, MI
We monitor insurance prices, helping the average driver in Chelsea save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Chelsea
The chart below shows the cheapest car insurance company in Chelsea 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.
| Chelsea Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $105 |
| Progressive | $119 |
| State Farm | $120 |
| Safeco Insurance | $127 |
Savings for Every Kind of Chelsea Driver
Based on our extensive insurance data, we know the average Chelsea 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 $1,135 per year by choosing the right vehicle insurance company. Some Chelsea residents are paying out over $2,824 extra every year for auto insurance in Chelsea. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Chelsea, MI Savings / Yr. |
|---|---|
$1,135 |
|
$1,853 |
|
$1,640 |
|
$2,492 |
|
$2,940 |
|
$0 |
|
$0 |
Chelsea Car Insurance vs. Michigan
People living in Chelsea pay an average of 2.57% less than the typical driver in the state. The average driver in Chelsea can expect to pay about $2,145 per year, or $2,824 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Chelsea for most people.
Car Insurance Prices by Chelsea Neighborhood
Insurance Prices
Where is insurance cheapest within Chelsea?
The map shows insurance prices in and around Chelsea, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $256 per year within the city boundaries, with insurance premiums ranging from a high of $2,928 to a low of $2,672. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southeast parts of Chelsea.Pick the Best Car Insurance Company for You in Chelsea
The best car insurance provider for most drivers in Chelsea
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,135 over the average Chelsea car insurance company.
The best car insurance provider for Chelsea 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 $1,853 over the competition.
The best car insurance company for Chelsea drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,640 better than other car insurance companies.
The best auto insurance for Chelsea drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,492 less each year.
The least expensive car insurance company for new and young drivers in Chelsea
In Chelsea, Geico costs young drivers $2,940 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Chelsea
The cheapest car insurance in Chelsea for drivers with bad credit
The best Chelsea car insurance company for customer service
Recent price drops
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The cheapest large national provider in Chelsea
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Chelsea 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 Chelsea, 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 Chelsea
What Influences the Cost of Car Insurance in Chelsea?
On average, car insurance in Chelsea 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 city are influenced by the following factors:
- 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 B- according to CrimeGrade.org.
- Chelsea has an average population density in the state. The city’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 Chelsea is $179 per month for minimum coverage and $235 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 Cities
- Lima Center: Insurance costs 4.67% less
- Waterloo: Insurance costs 0.99% less
- Unadilla: Insurance costs 0.92% more
- Dexter: Insurance costs 3.08% less
- Hudson Mills: Insurance costs 0.28% less
- Hell: Insurance costs 1.06% more
- Grass Lake: Insurance costs 5.45% less
- Trist: Insurance costs 3.15% less
- Gregory: Insurance costs 1.88% more
- Williamsville: Insurance costs 1.27% more
Cities with Similar Populations
- Maysville: Insurance costs 24.04% less
- Norwich: Insurance costs 22.20% less
- Northport: Insurance costs 8.78% less
- North Valley: Insurance costs 41.32% less
- North Merrick: Insurance costs 2.44% less
- North Haledon: Insurance costs 35.66% less
- North Billerica: Insurance costs 44.09% less
- North Bellport: Insurance costs 0.14% more
- Nokomis: Insurance costs 16.93% less
- Noble: Insurance costs 38.14% less