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Jerry Data & Research
Cheapest car insurance in Clare, Michigan (Nov 2024)
Cheapest car insurance in Clare, Michigan (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Clare, Michigan.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- Best car insurance companies in Clare
- Cheapest car insurance quotes in Clare
- Best cheap car insurance quotes in Clare
- Average cost of car insurance in Clare
- Car insurance quotes in Clare by rating factors
- How do different factors impact your car insurance costs in Clare?
- Cheap car insurance quotes in Clare after driving violations
- Cheap car insurance quotes in Clare by age
- Cheap car insurance quotes in Clare based on insurance history
- Cheap car insurance quotes in Clare for popular cars
- Why is car insurance in Clare so expensive?
- How to lower car insurance costs in Clare
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Best car insurance companies in Clare
Jerry conducted the nation's largest insurance shopping survey to help you identify which auto insurance company offers the best rates in Clare, 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.
Companies including
State Auto
and State Farm
in Clare, MI received some of the highest overall scores, but other car owners reported finding lower than average rates with Bristol West
and Safeco
.Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Cost rating | Overall Jerry rating |
|---|---|---|---|---|
$40 | $207 | 4.3 | 4.4 | |
$75 | $476 | 4.2 | 4.4 | |
$104 | $207 | 4.0 | 4.3 | |
$109 | $152 | 3.9 | 4.2 | |
$173 | $343 | 3.4 | 4.0 |
If you’re looking for a fast and easy way to find the cheapest rates in Clare, 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.
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.
Cheapest car insurance quotes in Clare
The average driver in Clare pays about $94 per month for minimum coverage, or $195 per month for full coverage. As such, drivers in Clare pay approximately the same amount for full coverage, but 24% less for the state minimum.
Finding the cheapest rate for your unique driver profile requires shopping around to compare quotes. The Jerry app pulls quotes for Clare drivers in 45 seconds so you can cut costs easily while finding coverage that meets your insurance needs.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $154 | Ray, 55 Zip: 48617 | Ford Escape SE | • 100,000/300,000 Liability • Comp / Collision |
| Safeco | $103 | Rosalie, 27 Zip: 48617 | Dodge RAM 2500 SLT | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 22, 2024Best cheap car insurance quotes in Clare
All Michigan drivers must carry minimum
liability coverage
, whether they live in Clare, Detroit, Lansing, or Ann Arbor. Additionally, drivers in this state must also carry mandatory uninsured/underinsured motorist coverage
, personal injury protection
(PIP), and property protection insurance (PPI). Many Clare drivers find that full coverage provides better protection.
Cheap minimum liability insurance quotes in Clare
The first obligatory coverage is liability protection, and in Michigan the minimum limits are 50/100/10:
- $100,000 in bodily injury liability per accident
Here are some real Clare drivers who found minimum coverage through Jerry.
Do you need more than minimum coverage in Clare?
Minimum coverage may not cover all your costs in the event of a serious accident. That’s why some Clare drivers prefer to increase their liability limits to 100/300/100.
If an accident results in more than $100,000 of bodily injury, you may not have a way to pay for those hospital bills. Bumping up your liability coverage can help, but full coverage with collision and comprehensive can also improve your protection.
Cheap full coverage car insurance quotes in Clare
To protect your own vehicle and get coverage for repair and replacement, you’ll want full coverage.
Full coverage includes:
- Collision coverage: To pay for repair or replacement if a collision damages your vehicle.
- Comprehensive coverage: To pay for repair or replacement due to non-collision causes, like theft or vandalism.
While full coverage is not mandatory in this state, lenders can require borrowers to carry full coverage on financed vehicles until the loan is paid off.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Progressive | $154 | Ray, 55 Zip: 48617 | Ford Escape SE |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $103 | Rosalie, 27 Zip: 48617 | Dodge RAM 2500 SLT |
Last Updated Nov 22, 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 Clare
The average Clare driver will pay about $95 per month for minimum liability, which works out to $1,131 per year. For full coverage, the monthly cost is about $195 or $2,346 per year.
Your rate will probably be higher or lower than the average rate, depending on the type of car you drive and your claims history.
Car insurance quotes in Clare by rating factors
Clare, Michigan car insurance companies calculate rates differently. Although they weigh factors in their own way, they all take into account the same elements:
- Vehicle type: Luxury cars, sports cars, and high-performance vehicles cost more to buy and repair—so they also cost more to insure.
- Credit score: Since credit score is an indicator of financial responsibility. Drivers with lower credit scores tend to pay higher insurance premiums.
- Location: Each zip code has its own risk profile. Risk tends to increase in urban areas because of population density and accident rates.
- Driving record and claims history: If you’ve previously caused accidents, filed claims, or received tickets, you’ll pay more than the average driver for insurance.
- Usage: Commuters put more miles on their vehicles, which means more chances to get into an accident. That’s why infrequent drivers tend to pay less for coverage.
How do different factors impact your car insurance costs in Clare?
How do different factors impact your car insurance costs in Clare?
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 Clare:
Cheap car insurance quotes in Clare after driving violations
Whether it’s one violation or many, your driving history is a major source of intel for car insurance companies trying to assess your risk level. High-risk drivers are charged higher rates.
Here are some of the offenses that will raise your rates in Clare:
- Speeding tickets
- DUIs
- At-fault accidents
- Reckless driving
Cheapest car insurance in Clare after speeding ticket
Speeding always merits a ticket, but there are categories for how dangerously you were driving—and those categories are based on how many miles over the speed limit you were traveling.
In most areas, the categories are 1-5 mph, 6-10 mph, 11-15 mph, 16-20 mph, and 21 mph over the posted limit.
Moving violations have a big impact on your insurance rates. But Clare drivers with speeding tickets (like the ones below) can still find coverage and look for a low rate with Jerry.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Allstate | $75 | Lora, 30 Zip: 48617 | Volkswagen Jetta | • State Minimum Liability • Comp / Collision |
Speeding 6-10 | Progressive | $63 | Francis, 40 Zip: 48617 | Acura ZDX | • State Minimum Liability |
Last Updated Nov 22, 2024Cheapest car insurance in Clare after DUI
DUIs are a major red flag for insurance companies. Rates can vary dramatically from one company to the next, but they’ll always be higher than the pre-DUI rate. Unfortunately, some companies even refuse to cover drivers with DUIs on record.
To find cheap car insurance after a DUI in Michigan, shop around like the Clare drivers below.
Harriet (43 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Clare, MI (Zip Code: 48617)
$164
per month
Cheapest car insurance in Clare after an at-fault accident
Even a single at-fault accident can raise eyebrows—and raise rates—when it comes to finding insurance coverage. That’s because the more often you file a claim, the more likely you’ll be considered a high-risk driver.
Clare drivers with an at-fault accident have found coverage through Jerry. Check it out.
Last Updated Nov 22, 2024Cheapest car insurance in Clare after other driving violations
Any type of dangerous or ticket-worthy driving behavior can raise your insurance rates in Clare. This means reckless driving, driving without insurance, or even rolling through a stop sign.
Take a look at these Clare drivers and what they’re charged for coverage, while paying special attention to the violations they have on their records.
Last Updated Nov 18, 2024Cheap car insurance quotes in Clare by age
For young (under 25) and old (over 65) drivers, rates are extremely high. Let’s explore why that is and what you can do to lower your prices.
Cheapest car insurance in Clare for young drivers
Car insurance for teen drivers in Michigan is notoriously expensive. Teens have the highest rates of accidents compared to all age groups, so they pay more for coverage.
Full coverage is a good option for young drivers who might damage their vehicles. Take a look at these rates and real Clare drivers.
Cheapest car insurance in Clare for senior drivers
Drivers 55+ tend to enjoy affordable rates—until they hit their mid-60s, when rates jump up again.
Clare drivers over 65 tend to pay more for coverage due to their increased susceptibility to serious injury after accidents, in addition to their slower reflexes compared to younger drivers.
Senior car insurance in Clare can be expensive, but you shouldn’t overpay. See how local drivers find coverage with Jerry.
Cheap car insurance quotes in Clare based on insurance history
Consistency of coverage is very important according to car insurance companies. They want to see drivers who have had continuous coverage with no lapses.
Clare drivers with insurance lapses tend to pay higher rates for coverage, regardless of which company they use.
Here are example rates from Clare drivers who’ve had an insurance lapse and found coverage again with Jerry. As a bonus, Jerry helps drivers avoid future lapses by sending helpful reminders to pay and renew coverage.
Eunice (54 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Clare, MI (Zip Code: 48617)
$154
per month
Fanny (54 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Clare, MI (Zip Code: 48617)
$154
per month
Over 4,000,000 customers and counting
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Wonderful customer service
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Cheap car insurance quotes in Clare for popular cars
The risk profile of your vehicle affects your rates. Some cars have higher theft rates, for instance, whereas others cost a lot to repair or replace.
Here are some of the most common cars in the Great Lake State:
Common cars usually mean that replacement parts are easier to find—and you’ll pay less for coverage.
Last Updated Nov 22, 2024Why is car insurance in Clare so expensive?
Car insurance in Clare, Michigan is so expensive because Michigan is a no-fault state. There are also factors that create a higher-risk driving environment:
- Uninsured drivers: Michigan has an extremely high number of uninsured drivers, near 25%.
- Natural disasters: Extreme weather like storms and floods can damage vehicles, so insurers charge extra to cover drivers in these areas.
- Healthcare costs: When healthcare costs are high, drivers pay more for coverage.
- Theft rates: Some areas of Michigan have higher-than-average theft rates, which drivers up the cost of insurance.
- Highways: Michigan, more so than other states, has a higher density of high-speed freeways. This means more risk which translates to higher insurance costs.
How to lower car insurance costs in Clare
1. Shop around and compare quotes
You can pull quotes and
compare rates
every six months, when your insurance policy is up for renewal. Don’t you want to find out what other companies are charging for the same coverage? Most drivers turn to an insurance agent to shop for car insurance. However, you can easily avoid overpaying by shopping with Jerry. You’ll find the cheapest rate and fastest registration process in Clare.
2. Hunt for car insurance discounts
Nearly all companies offer discounts on coverage—some are simple and others you have to work towards to unlock. When looking into financial services, ask your company about these common
car insurance discounts
:- Bundling discounts:Combine your auto coverage with your home insuranceor renters policy at the same company and you could save on both car and homeowners insurance.
- Good driver discounts: Go claims-free and ticket-free for about three years, and you might earn agood driver discount.
- Good student discounts: Provide proof of at least a B average and unlock savings—this works for college and high school students.
- Telematics device discounts: Several providers offer insurance products, like telematic apps, to help drivers lower costs. Allow the company to track your driving behavior and you could save money just for driving safely. Most even offer a discount just for signing up.
3. Increase your deductible for comprehensive and collision coverage
If you can afford a higher out-of-pocket payment in the event of an accident, you can bump up your deductible and shave a few bucks per month off your premium.
FAQ
How much is car insurance in Clare?
On average, drivers in Clare pay approximately $95 per month for the minimum car insurance, which works out to $1,131 per year. Drivers who want full coverage can expect to pay about $195 per month or $2,346 per year.
Rates can change a lot, even within the same zip code, so it’s wise to pull custom quotes every six months to make sure you’re not overpaying.
What is the minimum car insurance in Clare, Michigan?
50/100/10 is the standard liability limit in Michigan. That’s $50,000 per person and $100,000 per accident in bodily injury, plus $10,000 per accident in property damage. All Clare drivers must also carry PIP and at least $1 million in property insurance protection.
What is the cheapest car insurance in Clare?
There’s not one company that consistently gives the lowest rates in Clare. Formulas change so often and drivers are so unique that the best way to find low rates is to shop around.
What is the best car insurance in Clare?
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.
State Auto
, Safeco
, and Bristol West
received good ratings from Clare 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.
What is the cheapest full coverage car insurance in Michigan?
It depends on the driver’s unique profile, but
State Farm
, Safeco
, and Bristol West
tend to offer affordable rates in the state of Michigan.What age does car insurance go down in Michigan?
At age 25, insurance premiums tend to decrease if the driver has maintained a safe record.
Why is Michigan car insurance so high?
Premiums here are higher partially because Michigan is a no-fault state. Additionally, Michigan is the only state in the US that has unlimited lifetime coverage for catastrophic injuries—which drives up coverage prices.
What is no-fault insurance in Michigan?
No-fault insurance is required in Michigan, and it means that your policy pays for your own damages and the other party’s damages—regardless of who caused the accident. There are 12 no-fault states
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
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
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.