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Get Cheap Car Insurance in Marshall, MI

We monitor insurance prices, helping the average driver in Marshall save up to 41.9% on car insurance.

 

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The Cheapest Minimum Coverage in Marshall

The chart below shows the cheapest car insurance company in Marshall 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.

 
Marshall Insurer Monthly Cost
Auto-Owners Insurance $100
Progressive $114
State Farm $115
Safeco Insurance $121

Savings for Every Kind of Marshall Driver

The table shows how much the average auto insurance customer in Marshall might save by following our recommendations.

Based on our extensive insurance data, we know the average Marshall 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 $1,081 per year by choosing the right vehicle insurance company. Some Marshall residents are paying out over $2,690 extra every year for auto insurance in Marshall. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Marshall Car Insurance vs. Michigan

People living in Marshall pay an average of 7.20% less than the typical driver in the state. The average driver in Marshall can expect to pay about $2,043 per year, or $2,690 for full coverage.

Based on our analysis, Safeco Insurance will be the cheapest provider in Marshall for most people.

Car Insurance Prices by Marshall Neighborhood

Marshall, MI map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Marshall?

The map shows insurance prices in and around Marshall, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $222 per year within the city boundaries, with insurance premiums ranging from a high of $2,821 to a low of $2,599. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northwest parts of Marshall.

Pick the Best Car Insurance Company for You in Marshall

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Marshall insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Marshall

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,081 over the average Marshall car insurance company.

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We use the average good driver, paying $134 per month, as our baseline for pricing in Marshall. Geico, Safeco Insurance, and Auto-Owners Insurance are all good choices for quotes if you have a clean record.

The best car insurance provider for Marshall drivers with accidents on their records

In Marshall getting into an accident will raise premiums an average 38% for a yearly cost of $4,344. That's $1,654 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Progressive, Auto-Owners Insurance, and Safeco Insurance are good choices for drivers with accidents.

In our analysis, Auto-Owners Insurance saved the average person who had been in an accident the most, with annual savings averaging $1,765 over the competition.

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The best car insurance company for Marshall drivers with speeding tickets

>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,562 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Marshall, tickets raise premiums on new quotes about $1,231. If you have a speeding ticket, we recommend Progressive, Auto-Owners Insurance, and Safeco Insurance for savings that beat the average insurance cost of $3,922 per year.

The best auto insurance for Marshall drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $5,667 per year in auto insurance premiums, which was $2,977 more than a driver with no major issues. Progressive, Auto-Owners Insurance, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Progressive may cost the average person with a DUI about $2,374 less each year.

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The least expensive car insurance company for new and young drivers in Marshall

In Marshall, Geico costs young drivers $2,801 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 65% more for insurance than more mature drivers in Marshall. With an average cost of $7,588 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like Geico, Progressive, and Auto-Owners Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Marshall

The state of Michigan does not allow marriage discounts, so the prices are unchanged if you are married

The cheapest car insurance in Marshall for drivers with bad credit

The state of Michigan does not allow companies to use credit score to figure out premiums, so the prices are unchanged regardless of credit score

The best Marshall car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Marshall, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Marshall.

Nationwide was the best company for customer service in Marshall according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Marshall, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Marshall. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Marshall

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 25% of Marshall residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Marshall driver can expect to pay about $163 per month.

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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 Marshall, 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.
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Auto Insurance Prices in and Around Marshall

What Influences the Cost of Car Insurance in Marshall?

On average, car insurance in Marshall 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:

  • The average commute time in Marshall is 26 minutes, which is far less than 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 B- according to CrimeGrade.org.
  • Marshall is a fairly densely populated area 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 Marshall is $170 per month for minimum coverage and $224 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

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* Who is the average Marshall driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Marshall with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.