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Cheapest car insurance in Alma, Michigan (Nov 2024)
Cheapest car insurance in Alma, Michigan (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Alma, Michigan.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Andrea Barrett
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- Cheapest car insurance quotes in Alma
- Best car insurance companies in Alma
- Best cheap car insurance quotes in Alma
- Average cost of car insurance in Alma
- Car insurance quotes in Alma by rating factors
- How do different factors impact your car insurance costs in Alma?
- Cheap car insurance quotes in Alma after driving violations
- Cheap car insurance quotes in Alma by age group
- Cheap car insurance quotes in Alma based on insurance history
- Cheap car insurance quotes in Alma for popular cars
- How to lower car insurance costs in Alma
- FAQs
- Methodology
- Sources
- Meet our experts
Load full table of contents
Cheapest car insurance quotes in Alma
The tiny town of Alma might not be the “it spot” when hitting up Michigan, but because it’s part of the Great Lakes State, it’s still subject to many of the same factors that leave Michigan with some of the
car insurance
rates in the nation.While Detroit drivers take the cake for the highest auto insurance rates in Michigan, Alma rates aren’t far from the state-wide average. Local drivers pay around $140 per month for full coverage insurance and $66 per month for state minimum coverage.
Coverage type | Alma, MI | Michigan | United States |
|---|---|---|---|
State minimum | $66 | $118 | $77 |
Full coverage | $140 | $197 | $165 |
Treacherous winter driving, high auto insurance requirements, and increasing auto insurance rates are just some of the factors that contribute to Alma’s high insurance costs—but drivers can still find savings by comparison shopping. Using the independent broker
Jerry
can help make auto insurance shopping easy by giving you instant access to the cheapest rates on Alma car insurance, along with industry knowledge that can help you make the best pick. Best car insurance companies in Alma
There’s no single insurance provider that will be right for all Alma drivers—and policy cost isn’t the only thing you should be concerned with when it comes to finding an auto insurance policy. If you’re ever in a situation where you have to file a claim, you want a provider that you can trust to have your back.
To help save Alma drivers time finding the right insurance provider, Jerry conducted a nationwide survey of over 18,000 drivers, asking policyholders to rate their current insurance provider on policy cost, claims service, customer service, and the ease of purchasing and renewing their policy.
We combined the findings of the survey with real quote data from Alma-area drivers and found companies that charge less than the citywide average for full coverage and receive a rating of 4 stars or higher in our customer survey.
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Cost rating | Overall Jerry rating |
|---|---|---|---|---|
$21 | $142 | 4.3 | 4.4 | |
$42 | $227 | 4.2 | 4.4 | |
$107 | $200 | 4.0 | 4.2 | |
$112 | $143 | 3.8 | 4.2 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Alma
Alma drivers are legally required to carry auto insurance that meets Michigan’s minimum liability coverage limits, personal injury protection (PIP), and property protection insurance (PPI)—but opting for a full coverage policy can provide greater financial protection.
While Michigan’s insurance limits are similar to other states, our insurance agents at Jerry recommend an auto insurance policy with full coverage and liability limits of at least 50k/100k/50k (but 100k/300k/100k is even better) for Alma drivers.
Cheap minimum liability insurance quotes in Alma
Michigan’s minimum liability coverage requirements
changed in 2020, but limits will depend on when your policy was issued.1Policies issued before July 2, 2020 have bodily injury/property damage minimum coverage limits of:
- $40,000 of bodily injury liability per accident
Under Michigan’s new laws, the default BI/PD coverage limits are:
- $250,000 of bodily injury liability per person
- $500,000 of bodily injury liability per accident
- $10,000 of property damage liability per accident
While these limits are recommended for maximum protection, drivers can opt out of the default limits and choose lower BI/PD coverage limits. However, the lowest limits you can purchase are:
- $50,000 of bodily injury liability per person
- $100,000 of bodily injury liability per accident
- $10,000 of property damage liability per accident
In Michigan, drivers are also required to carry PIP and PPI with the following limits:
- $200,000 or $500,000 in personal injury protection (PIP)
- $1,000,000 in property protection insurance (PPI)
Note: Michigan car insurance laws also require drivers to carry property protection insurance (PPI) with a $1 million limit. This coverage is unique to Michigan and covers the cost of damages you cause with your vehicle to other people’s property in Michigan, such as a building, fence, or mailbox.
Have a look at the average cost of state minimum liability coverage in Alma.
Insurance company | Monthly minimum coverage cost |
|---|---|
$21 | |
$42 | |
$107 | |
$112 |
Do you need more than minimum coverage in Alma?
Michigan minimum car insurance limits are significantly higher than most states, but Alma drivers can still benefit from carrying more than state minimum coverage, especially if you choose the lower limits (50/100/10).
The reason: State minimum coverage will pay for third-party costs and personal injuries if you cause an accident, but it won’t cover your vehicle expenses. Choosing a full coverage policy that includes collision and comprehensive, in addition to choosing the higher liability limits, will provide better financial and legal protection in the event of an accident.
Drivers should also consider increasing property damage liability to at least $50,000. In the event that a vehicle is totaled in an accident, a $10,000 limit can quickly be exhausted.
Bottom line: If you don’t choose full coverage auto insurance, consider increasing your liability limits to at least 50/100/50, but 100/300/100 is even better.
Cheap full coverage car insurance quotes in Alma
Liability insurance covers third-party medical and property damage expenses, but it doesn’t cover you—a
full coverage policy
that includes collision and comprehensive is needed for that.- Collision coveragepays for repair or replacement costs after a collision with another vehicle or stationary object.
- Comprehensive coveragepays for non-collision-related damage, such as those from theft, vandalism, or a severe weather event.
It’s also important to note that if you loan or lease your vehicle, your lender may require you to carry collision and comprehensive coverage for the duration of your loan or lease.
We gathered some full coverage rates in Alma from top providers so you know exactly how much the average cost of coverage can be.
Insurance company | Monthly full coverage cost |
|---|---|
$142 | |
$143 | |
$200 | |
$227 |
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Alma
Michigan is the only state that requires drivers to carry minimum coverage insurance with limits of at least $50,000. Because they’re also required to carry additional coverages—PIP and PPI—Michigan drivers can be at a disadvantage when it comes to policy cost.
On average, Alma drivers pay around $140 per month or $1,680 per year for full coverage auto insurance. But minimum coverage liability averages to about $66 per month or $792 per year.
Michigan’s higher auto insurance costs are boiled down to three factors: hazardous winter weather, high coverage requirements, and vehicle theft.
Michigan winters increase insurance prices
The combination of snow, freezing temperatures, and ice makes for less-than-ideal driving conditions regardless of where you live in Michigan. More than 115,000 people are injured each year due to icy, snowy and/or slushy road conditions—and many more accidents occur without injury but still cause property damage.1
While most Alma drivers have learned to navigate Michigan winters with grace, filing a claim with your insurer for damage will continue to drive up auto insurance rates state-wide.
Michigan has the highest insurance requirements in the US
Michigan’s car insurance laws require that drivers not only purchase high minimum liability coverage to protect drivers against collision-related expenses but as a
no-fault state
, they’re also required to purchase PIP. NOTE:
No-fault laws
are designed to help drivers cover their medical expenses after an accident without having to wait around for the other driver’s liability insurance to kick in. With no-fault insurance, you just need to file a first-party claim with your own insurance company. On top of that, Alma drivers are also required to purchase property protection insurance (PPI) with a $1 million limit—Michigan is the only state to require this coverage. PPI is intended to cover the cost of accidental damage to another Michigan resident's property with your vehicle while in the state.
Auto theft rates in Michigan continue to climb
Auto theft rates in Michigan are at an all-time high, increasing 17.7%, with 18,089 vehicles reported stolen in 2019 and 21,283 in 2021.4 According to data published by lendingtree.com, Michigan came in at No. 22 among the 50 states for the biggest increases over that two-year window.
Although vehicle theft rates are more rampant in large cities like Detroit and Grand Rapids, the overall trend in increased theft rates sends state-wide insurance rates soaring.
Car insurance quotes in Alma by rating factors
Alma, Michigan, car insurance companies consider several factors when
calculating your premium
, including: - Driving record and claims history: Insurance providers may charge higher rates if your Michigan driving record shows a history of accidents or traffic violations.
- Location: Rates tend to be higher for city drivers than rural drivers due to differences in city-specific factors, such as crime rates and traffic patterns.
- Vehicle type: Luxury cars, high-performance vehicles, and sports cars generally have higher insurance costs due to higher repair and replacement costs.
- Usage of the vehicle: If you use your car to commute to work or have higher annual mileage, insurance companies may charge higher premiums than leisure usage.
It's important to note that these factors can vary among insurance providers, so we recommend using an online comparison tool or app to get personalized quotes based on your specific circumstances.
How do different factors impact your car insurance costs in Alma?
How do different factors impact your car insurance costs in Alma?
Allowed (with applicable limitations): Driving experience, gender, age, credit history, education, employment status, marital status, residential status.
Prohibited (or effectively prohibited): Occupation.
Learn more about the car insurance rating factors in Alma:
Cheap car insurance quotes in Alma after driving violations
Your driving history plays a significant role in determining your auto insurance quotes. If insurance companies see a track record of violations, they consider you a higher-risk driver, resulting in higher insurance rates.
Some of the most common traffic violations that can increase your car insurance rates include:
Cheapest car insurance in Alma after speeding ticket
Repercussions for
speeding in Michigan
vary based on the severity of the offense—driving 5 mph over the limit won’t affect insurance rates as significantly as landing a reckless driving charge. Regardless of the charge, your rates will still suffer an increase.
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
Speeding | $144 | 40% |
Cheapest car insurance in Alma after DUI
A
Michigan DUI violation
typically leads to a higher increase in car insurance rates than other violations. If you have a DUI offense on your record, insurance rates can vary significantly among different insurance companies. It may be necessary to compare rates from multiple insurers to find the cheapest options after a DUI.
Jerry has assisted several Alma drivers secure affordable auto insurance rates following a DUI—which you’ll need given how much your rates can increase.
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
DUI | $250 | 143% |
Cheapest car insurance in Alma after an at-fault accident
Your car accident or claim history is a crucial element that significantly impacts car insurance rates.
Insurance companies carefully assess your previous at-fault accidents to evaluate the level of risk you pose as an insured individual. If you have been involved in a recent at-fault accident, it is possible for your Alma car insurance rates to increase dramatically.
Driving record | Monthly coverage cost | Rate increase (%) |
|---|---|---|
At-fault accident | $129 | 25% |
Cheapest car insurance in Alma after other driving violations
Aside from speeding tickets and DUIs, other violations like
reckless driving
and driving on a suspended license can also increase car insurance costs in Alma.We’ve given you a list of different driving violations and how we helped Michigan drivers find ways to save on their car insurance despite these infractions.
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
Passing school bus | $149 | 45% |
Driving on suspended license | $210 | 104% |
Failure to yield | $237 | 130% |
Not wearing a seat belt | $278 | 170% |
Cheap car insurance quotes in Alma by age group
Insurance rates for new drivers
are notably steep owing to their limited driving experience. However, as individuals age 25, their insurance rates tend to decrease. Conversely, car insurance costs tend to rise again once individuals reach the age of 75. Cheapest car insurance in Alma for young drivers
Teen drivers in Michigan
typically pay the highest insurance rates out of any age group in the state due to limited driving experience and a higher risk of accidents.As such, teens who drive newer cars should opt for full coverage insurance for better financial protection. Young drivers who aren’t on their parents’ plan can pay a hefty price for insurance in Michigan.
Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
<18 | $218 | $1,358 |
18-21 | $291 | $582 |
Cheapest car insurance in Alma for middle-aged drivers
As drivers gain more experience behind the wheel, their rates lower. Drivers 25-64 see some of the cheapest rates for all age demographics, with rates rising again after motorists turn 65+.
Have a look at how much rates can level out in Alma once you hit a certain age.
Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
22-25 | $168 | $195 |
26-34 | $139 | $192 |
35-44 | $100 | $137 |
45-54 | $61 | $94 |
While driver premiums are often lower than average for this age group, drivers can still achieve even cheaper costs by looking into car insurance discounts and bundling policies.
Cheapest car insurance in Alma for senior drivers
Once individuals reach their mid-70s,
car insurance rates for seniors
begin to increase. This trend is attributed to a heightened vulnerability to severe injuries from a collision, which results in higher medical expenses and costs for the insurer.For example, senior motorists in Alma between 55-64 pay an average of $56 per month for minimum coverage. Full coverage will cost them an average of $76 each month.
But drivers 65+ in Michigan pay an average of $139 for state minimum coverage and $222 each month for full coverage.
Cheap car insurance quotes in Alma based on insurance history
Your insurance history—how long you’ve been continuously insured—plays a crucial role in determining your car insurance rates.
Driving without insurance deems you a
high-risk driver
, and insurers want to know you’ve maintained continuous insurance for the duration you have been driving. Having a gap in your insurance coverage, regardless of the reason, results in higher car insurance rates. To assist our customers in making timely insurance payments and avoiding
coverage lapses
, Jerry sends payment reminders to eligible customers. These reminders are sent when a payment is approaching or if a customer has fallen behind on their payments.We have successfully helped numerous customers who are currently without insurance or have experienced a lapse in coverage in finding opportunities to save on a new policy. Have a look at how much your rates can increase in Alma if you have a lapse on your record.
Insurance history | Monthly coverage cost | Rate increase (%) |
|---|---|---|
With coverage lapses | $128 | 24% |
Finding cheap car insurance in Orange: Hear from real drivers
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Their communication was great and done in a timely fashion via text or email resulting in
a $70 a month savings along with greatly improving my coverage.
Chad, Horton, MI
My current policy has, by far, the best price for covering my two vehicles. Fortunately, I have not yet made a claim on my insurance so I cannot speak to that. I will say the mobile app needs some work. It is not the most user friendly.
Jordan, Grand Rapids, MI
I absolutely love being with Liberty Mutual. They work with me and are always making sure I'm informed of any changes in the laws or my policy.
Desiree, Sterling Heights, MI
Cheap car insurance quotes in Alma for popular cars
The vehicle you choose significantly influences your car insurance premiums. Various factors related to the type of car impact insurance costs, such as repair or replacement expenses, the probability of theft, and the overall safety performance of the vehicle.
Some of the most popular vehicles in the Great Lake State include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Civic | Nationwide | $81 | Tyler, 37 Zip: 48801 | • State Minimum Liability • Comp / Collision |
| Nissan Nissan_rogue | Nationwide | $64 | Dorothy, 44 Zip: 48802 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 17, 2024How to lower car insurance costs in Alma
1. Shop around and compare quotes
Michigan insurance providers are continually increasing auto insurance rates to help combat Alma’s major risk factors, but that doesn’t mean you can’t find affordable insurance—
shopping around
and comparing quotes is the easiest way to find savings. While comparison shopping can be tedious and time-consuming, shopping around with an independent broker like Jerry makes it easy. In under a minute, Jerry compares auto insurance quotes from trusted Alma-area providers using your personalized driver profile, pulling the best quotes from top insurers.
2. Hunt for car insurance discounts
A great
car insurance discount
is the difference between dreading your monthly bills and… well, not celebrating them, but maybe tolerating them. Take a look at these programs to lower your rates:- Good driver discounts: You're due for some savings if you've held aclean driving recordfor at least three years.
- Telematics device discounts: Telematics devices reward safe driving habits over hard braking and speeding.
- Good student discounts: College and high school students with a B average or better can save money on car insurance.
- Insurance bundle discounts: You could save money if youbundle your auto and home insurance(or auto and renters insurance) products from the same provider.
3. Increase your deductible for comprehensive and collision coverage
Collision and comprehensive insurance are both subject to deductibles. One of the easier ways to keep your monthly payments low is to increase your deductibles to the highest amount you can afford out-of-pocket if you’re involved in a collision.
FAQs
How much is car insurance in Alma?
Alma drivers pay an average of $66 per month or $792 per year for state minimum liability coverage, while full coverage auto insurance in Alma costs an average of $140 per month or $1,680 per year.
What is the cheapest car insurance in Alma?
State minimum coverage, which costs about $66 per month and includes bodily injury liability, property damage liability, personal injury protection (PIP), and property protection insurance (PPI), is the cheapest option for car insurance in Michigan.
What is the best car insurance in Alma?
Price is an important factor to consider when shopping for a car insurance policy, but also consider how policyholders rank the insurer for customer service and claims handling. In Michigan, Safeco, Bristol West, and State Auto receive good ratings from Alma drivers, according to data from the largest car insurance survey in the nation conducted by Jerry.
What is the minimum car insurance in Alma, Michigan?
State minimum coverage requirements in Michigan changed in 2020. Prior to this change, BI/PD liability limits were 20/40/10, but the default limits are currently 250/500/10. However, drivers can choose lower limits of 50/100/10. Michigan drivers are also required to carry personal injury protection with limits of $250,000 or $500,000, and PPI with limits of at least $1,000,000.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). All average quote data is based on rates for single drivers with a clean record and a single car between the ages of 35 and 65.
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Sources
Meet our experts
Andrea Barrett
Andrea Barrett is an insurance writer with five years of experience in writing and publishing. Andrea specializes in car insurance, maintenance, and brand reviews, and her mission is to create comprehensive and useful content readers can use to help lower their car-related expenses. Andrea has written nearly 1,500 articles for Jerry on topics ranging from first-time buyer programs to insurance costs and vehicle life expectancies.
Before joining Jerry, Andrea co-founded a successful health food business and created content for clients in the health and wellness industry.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.