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Get Cheap Car Insurance in Saginaw, MI
We monitor insurance prices, helping the average driver in Saginaw save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Saginaw
The chart below shows the cheapest car insurance company in Saginaw 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.
| Saginaw Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $112 |
| Progressive | $127 |
| State Farm | $128 |
| Safeco Insurance | $136 |
Savings for Every Kind of Saginaw Driver
Based on our extensive insurance data, we know the average Saginaw 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 $1,208 per year by choosing the right vehicle insurance company. Some Saginaw residents are paying out over $3,006 extra every year for auto insurance in Saginaw. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Saginaw, MI Savings / Yr. |
|---|---|
$1,208 |
|
$1,972 |
|
$1,745 |
|
$2,653 |
|
$3,130 |
|
$0 |
|
$0 |
Saginaw Car Insurance vs. Michigan
People living in Saginaw pay an average of 3.71% more than the typical driver in the state. The average driver in Saginaw can expect to pay about $2,284 per year, or $3,006 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Saginaw for most people.
Car Insurance Prices by Saginaw Neighborhood
Insurance Prices
Where is insurance cheapest within Saginaw?
The map shows insurance prices in and around Saginaw, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1,214 per year within the city boundaries, with insurance premiums ranging from a high of $3,864 to a low of $2,650. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Saginaw.Pick the Best Car Insurance Company for You in Saginaw
The best car insurance provider for most drivers in Saginaw
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,208 over the average Saginaw car insurance company.
The best car insurance provider for Saginaw 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 $1,972 over the competition.
The best car insurance company for Saginaw drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,745 better than other car insurance companies.
The best auto insurance for Saginaw drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,653 less each year.
The least expensive car insurance company for new and young drivers in Saginaw
In Saginaw, Geico costs young drivers $3,130 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Saginaw
The cheapest car insurance in Saginaw for drivers with bad credit
The best Saginaw car insurance company for customer service
Recent price drops
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The cheapest large national provider in Saginaw
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Saginaw 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 Saginaw, 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 Saginaw
What Influences the Cost of Car Insurance in Saginaw?
On average, car insurance in Saginaw is more expensive than the rest of the state. These high 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 very high, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- Saginaw is one of the most densely populated areas 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 Saginaw is $190 per month for minimum coverage and $251 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
- Carrollton: Insurance costs 0.03% less
- Buena Vista: Insurance costs 15.34% more
- Zilwaukee: Insurance costs 7.25% less
- Frost: Insurance costs 8.68% less
- Indiantown: Insurance costs 4.46% less
- Fosters: Insurance costs 7.55% less
- University Center: Insurance costs 10.48% less
- Bridgeport: Insurance costs 4.86% less
- Freeland: Insurance costs 10.31% less
- Roosevelt: Insurance costs 10.98% less
Cities with Similar Populations
- Fall River: Insurance costs 42.18% less
- Federal Way: Insurance costs 43.55% less
- Fargo: Insurance costs 55.52% less
- Fort Collins: Insurance costs 40.65% less
- Fort Lauderdale: Insurance costs 6.62% more
- Florissant: Insurance costs 28.28% less
- Flagstaff: Insurance costs 41.02% less
- Flower Mound: Insurance costs 41.65% less
- Fayetteville: Insurance costs 54.82% less
- Florence: Insurance costs 43.31% less