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Get Cheap Car Insurance in Sears, MI
We monitor insurance prices, helping the average driver in Sears save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Sears
The chart below shows the cheapest car insurance company in Sears 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.
| Sears Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $104 |
| Progressive | $119 |
| State Farm | $120 |
| Safeco Insurance | $127 |
Savings for Every Kind of Sears Driver
Based on our extensive insurance data, we know the average Sears 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 $1,128 per year by choosing the right vehicle insurance company. Some Sears residents are paying out over $2,807 extra every year for auto insurance in Sears. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Sears, MI Savings / Yr. |
|---|---|
$1,128 |
|
$1,841 |
|
$1,629 |
|
$2,476 |
|
$2,922 |
|
$0 |
|
$0 |
Sears Car Insurance vs. Michigan
People living in Sears pay an average of 3.19% less than the typical driver in the state. The average driver in Sears can expect to pay about $2,132 per year, or $2,807 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Sears for most people.
Car Insurance Prices by Sears Neighborhood
Insurance Prices
Where is insurance cheapest within Sears?
The map shows insurance prices in and around Sears, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $97 per year within the city boundaries, with insurance premiums ranging from a high of $2,865 to a low of $2,768. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northwest parts of Sears.Pick the Best Car Insurance Company for You in Sears
The best car insurance provider for most drivers in Sears
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,128 over the average Sears car insurance company.
The best car insurance provider for Sears 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 $1,841 over the competition.
The best car insurance company for Sears drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,629 better than other car insurance companies.
The best auto insurance for Sears drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,476 less each year.
The least expensive car insurance company for new and young drivers in Sears
In Sears, Geico costs young drivers $2,922 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Sears
The cheapest car insurance in Sears for drivers with bad credit
The best Sears car insurance company for customer service
Recent price drops
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The cheapest large national provider in Sears
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Sears 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 Sears, 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 Sears
What Influences the Cost of Car Insurance in Sears?
On average, car insurance in Sears 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 Sears 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.
- Sears 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 Sears is $178 per month for minimum coverage and $234 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
- Evart: Insurance costs 0.32% more
- Moddersville: Insurance costs 2.21% more
- Pogy: Insurance costs 0.11% less
- Lake: Insurance costs 1.25% more
- Barryton: Insurance costs 2.07% more
- Chippewa Lake: Insurance costs 0.18% more
- Sherman City: Insurance costs 0.82% more
- Hersey: Insurance costs 0.25% less
- Temple: Insurance costs 2.28% more
- Lake George: Insurance costs 2.67% more
Cities with Similar Populations
- Westover: Insurance costs 46.10% less
- Campbell: Insurance costs 28.75% less
- Molena: Insurance costs 38.30% less
- Schaghticoke: Insurance costs 25.26% less
- Puryear: Insurance costs 52.23% less
- Poindexters: Insurance costs 58.32% less
- Pioneer Village: Insurance costs 24.83% less
- Pink: Insurance costs 37.41% less
- New Haven: Insurance costs 24.97% less
- Moweaqua: Insurance costs 49.48% less