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Jerry Data & Research
Cheapest car insurance in Berrien Springs, Michigan (Nov 2024)
Cheapest car insurance in Berrien Springs, Michigan (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Berrien Springs, Michigan.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- Cheapest Car Insurance Quotes in Berrien Springs
- Best Car Insurance Companies in Berrien Springs
- Best cheap car insurance quotes in Berrien Springs
- Average cost of car insurance in Berrien Springs
- Car insurance quotes in Berrien Springs by rating factors
- How do different factors impact your car insurance costs in Berrien Springs?
- Cheap car insurance quotes in Berrien Springs after driving violations
- Cheap car insurance quotes in Berrien Springs by age
- Cheap car insurance quotes in Berrien Springs based on insurance history
- Cheap car insurance quotes in Berrien Springs for popular cars
- How to lower car insurance costs in Berrien Springs
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
Cheapest Car Insurance Quotes in Berrien Springs
On average, auto insurance in Berrien Springs costs about $154 per month for minimum coverage liability insurance and about $216 per month for full coverage insurance. Berrien Springs drivers pay 6% less than the
Michigan
average. Securing an affordable car insurance policy is a great way to keep your auto-related expenses as low as possible. However, there’s no “cheapest” car insurance provider for every driver. To ensure you’re getting the best price for customized coverage, compare
auto insurance quotes
from various companies before choosing your favorite. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Safeco | $224 | Andre, 34 Zip: 49103 | Chevrolet Silverado K1500 LT | • 100,000/300,000 Liability • Comp / Collision |
| Bristol West | $115 | Sara, 28 Zip: 49103 | Chevrolet Cruze LT | • State Minimum Liability |
Last Updated Nov 17, 2024Best Car Insurance Companies in Berrien Springs
Jerry conducted the nation's largest insurance shopping survey to help you identify which auto insurance company offers the best rates in Berrien Springs, Michigan.
We spoke to more than 15,000 policyholders in 50 states about 87 insurance providers.
The results? There’s simply no best or cheapest car insurance company for every driver—instead, your rates are highly individualized.
Many drivers report that
Travelers
offers some of the lowest rates in Berrien Springs, but other car owners note that their rates increase swiftly as you increase your coverage levels.| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
Liberty Mutual | 4.7 | 4.7 | N/A | 4.3 |
| Safeco | 4.7 | 3.7 | N/A | 4.7 |
| Progressive | 4.2 | 3.6 | 3.4 | 4.1 |
| State Farm | 4 | 3.1 | 4.3 | 4.2 |
| Geico | 4 | 3 | N/A | 3.8 |
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.
If you’re looking for a fast and easy way to find the cheapest rates in Berrien Springs, try using a car insurance comparison app or website.
Jerry is a top-rated insurance agency that offers a straightforward app that auto owners can use to
shop for car insurance
and explore their motorist coverage options. Moreover, Jerry provides end-to-end service—helping you register for your new policy and even canceling your old one on request.Best cheap car insurance quotes in Berrien Springs
However, depending on your specific needs, you’ll likely want to consider additional coverage types—such as full coverage.
Cheap minimum liability insurance quotes in Berrien Springs
Before legally driving your car, you’ll need to secure a policy meeting
Michigan’s minimum liability coverage requirements
- $100,000 of bodily injury liability per accident
You’ll often hear this referred to as 50/100/15 coverage.
Check out these Berrien Springs car owners who used Jerry to secure affordable minimum liability coverage.
Sara (28 years old)
$115
per month
Do you need more than minimum coverage in Berrien Springs?
Most drivers in Berrien Springs feel that the best car insurance policy will include more than the state minimum coverage.
If you cause a collision, you could be responsible for medical bills and vehicle repairs that greatly exceed the 50/100/15 limit—especially if the other driver is seriously injured or the vehicle is totaled.
The bottom line: To ensure you’re fully protected, consider 100/300/100 liability coverage—even if you opt out of collision and/or comprehensive coverage.
Cheap full coverage car insurance quotes in Berrien Springs
But what happens if you’re injured or your vehicle is damaged in an accident? That’s where full coverage car insurance comes in.
Full coverage auto insurance
includes comprehensive and collision coverage. - Collision coveragewill help cover the cost of repairing or replacing your accident-damaged vehicle.
- Comprehensive coveragepays for damage due to vandalism, environmental causes, and even theft.
If you purchase your vehicle using an auto loan, your loan provider will likely require that you buy full coverage car insurance.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $213 | Ryan, 28 Zip: 49103 | Chevrolet Cruze LT |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $224 | Andre, 34 Zip: 49103 | Chevrolet Silverado K1500 LT |
Last Updated Nov 17, 2024
"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 Berrien Springs
Jerry has found that the average cost for minimum liability coverage is $154 per month or $1,848 per year in Berrien Springs, Michigan. The average annual premium for full coverage is $2,597, totaling about $216 monthly.
Although average insurance rates can estimate your insurance expenses, it is important to understand that several factors determine individual drivers' insurance premiums. These factors include the type of vehicle, driving record, claims history, and demographic information, so the final insurance costs for each driver can vary.
Car insurance quotes in Berrien Springs by rating factors
Berrien Springs, 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. Different ZIP codes within the same city may also have varying insurance rates.
- Vehicle type: Luxury cars, high-performance vehicles, and sports cars generally have higher insurance costs for collision and comprehensive coverage.
- 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.
- Credit score: Drivers with higher credit scores typically pay less for the same coverage—it’s considered an indicator of financial responsibility.
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 Berrien Springs?
How do different factors impact your car insurance costs in Berrien Springs?
Allowed (with applicable limitations): Driving experience, gender, age, credit history, education, employment status, marital status, residential status.
Prohibited (or effectively prohibited): Occupation.
Learn more abut the car insurance rating factors in Berrien Springs:
Cheap car insurance quotes in Berrien Springs 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 Berrien Springs after speeding ticket
Speeding violations can be categorized into different degrees based on the extent of the speed limit exceeded. These categories typically include speeding 1-5 mph over the limit, 6-10 mph over the limit, 11-15 mph over the limit, 16-20 mph over the limit, and speeding over 21 mph over the limit.
A moving violation will almost always impact your car insurance rates, but Jerry has successfully helped drivers with varying speeding tickets keep their rates as low as possible.
Last Updated Nov 21, 2024Cheapest car insurance in Berrien Springs 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 Berrien Springs drivers secure affordable auto insurance rates following a DUI.
Cheapest car insurance in Berrien Springs 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 Berrien Springs car insurance rates to increase dramatically.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $147 | Leila, 30 Zip: 49103 | Toyota RAV4 Sport | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Progressive | $147 | Lucille, 30 Zip: 49103 | Toyota RAV4 Sport | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest car insurance in Berrien Springs 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 Berrien Springs.We’ve given you a list of different driving violations and how we helped Berrien Springs drivers find ways to save on their car insurance despite these infractions.
Last Updated Nov 21, 2024Cheap car insurance quotes in Berrien Springs by age
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 Berrien Springs for young drivers
Teen drivers in Michigan
typically pay the highest insurance rates out of any age group in the state. Thanks to a higher likelihood of teenagers being involved in accidents compared to other age groups.As such, teens who drive newer cars should opt for full coverage insurance for better financial protection.
Cheapest car insurance in Berrien Springs for senior drivers
Once individuals reach their mid-70s, car insurance rates begin to increase. This trend can be attributed to several factors contributing to higher seniors' insurance costs.
Older drivers have a heightened vulnerability to accidents and are more prone to sustaining severe injuries in the event of a collision. Consequently, insurance providers incur significant medical expenses and experience elevated costs, leading to higher
car insurance rates for seniors
.See how we helped senior drivers in Berrien Springs find affordable car insurance.
Cheap car insurance quotes in Berrien Springs 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.
Kenneth (28 years old)
$136
per month
Noah (30 years old)
$161
per month
Corey (30 years old)
$161
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I absolutely love being with Liberty Mutual. They are always making sure I'm informed of any changes in the laws or my policy
Desiree
They've been great so far
Jon
Wonderful customer service
Gage
Quick an easy to work with! Good pricing!
Justin
Cheap car insurance quotes in Berrien Springs for drivers with poor credit
In Michigan, it’s illegal for car insurance companies to use your credit history to set your rates, deny your application, or raise your premiums on renewal. However, drivers with poor credit might still pay higher rates due to related factors, such as insurance history and claims filing.
According to our data, the national average car insurance premium for individuals in the highest credit bracket (over 750) is approximately 20% higher than the average cost for individuals with lower credit scores (under 550).
If your credit score isn’t up to par, Jerry can still help you find savings on car insurance in Berrien Springs.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Progressive | $136 | Ina, 28 Zip: 49103 | Toyota Tacoma Double Cab | • State Minimum Liability • Comp / Collision |
660 - 750 | Bristol West | $115 | Lenora, 28 Zip: 49103 | Chevrolet Cruze LT | • State Minimum Liability |
550 - 659 | Progressive | $225 | Chester, 46 Zip: 49103 | Infiniti Q50 Luxe | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 18, 2024Cheap car insurance quotes in Berrien Springs 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:
Last Updated Nov 16, 2024How to lower car insurance costs in Berrien Springs
1. Shop around and compare quotes
You won’t know you’ve found the best deal without comparing auto insurance quotes. Try to
shop for car insurance quotes
with at least three different providers every six months.If you want to comparison shop in minutes with just a few taps, download Jerry. You’ll receive the most competitive quotes in Berrien Springs that’ll take the guesswork out of your hunt for cheap rates.
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 calm and mellow 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 home and auto insuranceproducts from the same provider.
3. Increase your deductible for comprehensive and collision coverage
Increasing your deductible is an easy way to reduce your monthly payment without sacrificing coverage.
Why is car insurance in Berrien Springs so expensive?
The cost of car insurance in Michigan can be higher due to several factors, including:
- Crowded cities: Cities with a high population density tend to have more traffic congestion and a higher probability of accidents, resulting in increased insurance premiums.
- Uninsured drivers: The presence of uninsured drivers on the roads can pose financial risks for insurance companies, leading to higher overall insurance costs for everyone.
- Expensive healthcare: The cost of healthcare in Michigan can impact insurance premiums, as medical expenses associated with accidents and injuries are factored into coverage costs.
- More highway traffic: Michigan has a relatively higher density of highways, which can contribute to an increased frequency of accidents and subsequently drive up insurance rates.
- Rate of car thefts: Areas with a higher incidence of car thefts can lead to increased insurance costs, as insurers compensate for the higher risk of vehicle loss or damage.
- High risk of natural disasters: Michigan is prone to natural disasters such as severe storms and floods, which can cause significant damage to vehicles. This increased risk contributes to higher insurance premiums.
Considering these factors, it’s not uncommon for car insurance in Michigan to be relatively expensive compared to other regions.
FAQ
How much is car insurance in Berrien Springs?
People living in Berrien Springs pay on average $154 per month – or $1,848 per year – on state-minimum liability coverage. Full coverage in Berrien Springs costs on average $216 per month or $2,597 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the minimum car insurance in Berrien Springs, Michigan?
The state-minimum car insurance in Berrien Springs, Michigan is as follows:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
These coverages are commonly referred to as 50/100/25 coverage.
What is the cheapest car insurance in Berrien Springs?
Based on thousands of Berrien Springs drivers Jerry has worked with, car insurance in Berrien Springs costs an average of $154 per month for state-minimum coverage and $216 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Berrien Springs ?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica, Farmers, and The General receive good ratings from Berrien Springs drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
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. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
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.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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.