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Cheapest car insurance in Saginaw, Michigan (Apr 2024)
Cheapest car insurance in Saginaw, Michigan (Apr 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Saginaw, Michigan.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Saginaw
- Best car insurance companies in Saginaw
- Best cheap car insurance quotes in Saginaw
- Average cost of car insurance in Saginaw
- Car insurance quotes in Saginaw by rating factors
- How do different factors impact your car insurance costs in Saginaw?
- Cheap car insurance quotes in Saginaw after driving violations
- Cheap car insurance quotes in Saginaw by age
- Cheap car insurance quotes in Saginaw based on insurance history
- Cheap car insurance quotes in Saginaw for popular cars
- How to lower car insurance costs in Saginaw
- FAQ
- Methodology
- Sources
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Saginaw
The cost of car insurance in Saginaw,
Michigan
, is around $106 per month for minimum coverage and $192 per month for full coverage. Compared to the state average, Saginaw drivers pay about 5% less for auto insurance. Finding the right company is the first step towards locating an affordable policy, but there’s no single cheapest car insurance provider for everybody. It's crucial to compare
auto insurance quotes
from different companies to ensure you're getting the best price for your desired coverage—and it’s simple with Jerry
.Take a look at some quotes real policyholders found using Jerry, an app that allows you to shop for and compare quotes across dozens of providers.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $133 | Jack, 43 Zip: 48601 | Dodge Journey R/T | • 100,000/300,000 Liability • Comp / Collision |
| Safeco | $146 | Ivan, 45 Zip: 48602 | Buick Encore Preferred | • 100,000/300,000 Liability • Comp / Collision |
| Safeco | $141 | Minerva, 24 Zip: 48601 | Chevrolet Equinox LT | • State Minimum Liability • Comp / Collision |
| Bristol West | $198 | Charlie, 22 Zip: 48603 | Ford F150 Supercrew | • 100,000/300,000 Liability • Comp / Collision |
| Bristol West | $227 | Martin, 37 Zip: 48602 | Chevrolet Impala LTZ | • State Minimum Liability • Comp / Collision |
Last Updated Apr 25, 2024Best car insurance companies in Saginaw
To find the best auto insurance companies in the country, Jerry spoke to over 15,000 policyholders across all states to learn more about their opinions on 87 insurance providers.
The survey revealed that auto insurance rates are highly individual, and there’s no one-size-fits-all solution for finding the best or cheapest provider. Because every motorist has their own unique driving profile, coverage rates can and do look just as different across policyholders.
That said, there were some standouts in Saginaw that stood out among the rest—not just for cost, but for customer satisfaction and claims experience as well.
| 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.
Try a quote comparison app or website if you want a quick and effortless insurance shopping solution.
Jerry helps vehicle owners search for affordable quotes and discover their coverage options. Its team of licensed insurance agents can even help you sign up for a new policy and cancel your old one.
Best cheap car insurance quotes in Saginaw
But depending on your insurance needs, you may need to consider additional coverage options, like collision insurance, comprehensive coverage, or roadside assistance.
Cheap minimum liability insurance quotes in Saginaw
Compared to other states,
Michigan’s minimum car insurance requirements
are much more extensive. Any policy purchased after July 2, 2020, must contain at least:1- $100,000 of residual BI liability coverage per accident
- $10,000 ofproperty damage liability(PD) per accident (only applies to at-fault accidents in other states)
- $250,000 of Personal Injury Protection (PIP), unless a named insured or household member has alternate health insurance2
Liability insurance minimums are often shortened to “50/100/10”. Every auto insurance policy sold in the state includes default minimums of 250/500/10 for liability insurance and “unlimited” for PIP. You can choose lower BI/PD limits and opt out of PIP in writing, but you can never go lower than the above amounts.
Here are some policies that Saginaw, MI, customers found by shopping with Jerry:
Beatrice (23 years old)
$185
per month
Minerva (24 years old)
$141
per month
Jesse (39 years old)
$108
per month
Harriet (42 years old)
$109
per month
Do you need more than minimum coverage in Saginaw?
The best car insurance policy offering the maximum peace of mind includes more coverage than Michigan’s minimum requirements.
After an at-fault car accident,
Michigan’s car accident laws
hold you liable for the other driver's medical expenses and vehicle repairs. Costs can easily exceed the minimum 50/100/10 rule, especially if a severe injury or total loss vehicle is involved.The bottom line: For complete financial protection, expert insurance agents recommend purchasing 100/300/100 liability insurance.
Cheapest full coverage car insurance quotes in Saginaw
Michigan drivers should note that neither Property Damage liability (PD) nor Property Protection Insurance (PPI) apply to their own car’s repairs or replacement. These two policies are solely for the benefit of anyone whose property you damage with your vehicle.
- Collision coveragepays to repair or replace your car after it’s been damaged in a crash with another vehicle or object, regardless of who’s at fault.
- Comprehensive coveragecovers damages caused by vandalism, extreme weather, and theft.
If you have an auto loan or lease, you’ll probably have to buy full coverage car insurance as part of your agreement.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Progressive | $133 | Jack, 43 Zip: 48601 | Dodge Journey R/T |
• State Minimum Liability • Comp / Collision | Safeco | $141 | Minerva, 24 Zip: 48601 | Chevrolet Equinox LT |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $146 | Ivan, 45 Zip: 48602 | Buick Encore Preferred |
• 100,000/300,000 Liability • Comp / Collision | Bristol West | $198 | Charlie, 22 Zip: 48603 | Ford F150 Supercrew |
• State Minimum Liability • Comp / Collision | Bristol West | $227 | Martin, 37 Zip: 48602 | Chevrolet Impala LTZ |
Last Updated Apr 25, 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 Saginaw
Jerry found that the average car insurance rates in Saginaw, Michigan, are $106 per month ($1,272 per year) for minimum coverage and $192 per month ($2,304 per year) for full coverage.
While the average rates give you a rough idea of car insurance costs in Saginaw, you should never rely on them for detailed budgeting. Personalized car insurance quotes consider many factors, including demographics, driving history, insurance history, and vehicle type.
Car insurance quotes in Saginaw by rating factors
Car insurance calculations incorporate many different rating factors, such as:
- Your car: Luxury cars, high-performance vehicles, and sports cars generally have higher insurance costs because they cost more to repair and replace.
- Your driving record and claims history: Insurance providers may charge you higher rates if your Michigan driving record shows a history of accidents or traffic violations.
- Your location: Rates are higher for urban drivers than rural ones. Even different ZIP codes within the same city may see different charges.
- Your mileage: Insurance companies usually charge higher premiums the more you drive because it puts you at a greater risk of accidents and claims.
Using an online comparison quote tool or app is an easy way to get personalized and accurate car insurance quotes so you can confidently budget.
How do different factors impact your car insurance costs in Saginaw?
How do different factors impact your car insurance costs in Saginaw?
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 Saginaw:
Cheap car insurance quotes in Saginaw after driving violations
Your annual premiums are heavily based on your past driving behavior. A driving history of traffic tickets, moving violations, and at-fault accidents makes you a
high-risk driver
in the eyes of insurance providers.You may see your rates spike if you receive a:
Cheapest car insurance in Saginaw after DUI
The auto insurance quotes you receive will differ substantially between providers with a DUI conviction on record. Comparing multiple rates will help you identify the most affordable option.
Jerry has helped many Saginaw drivers find cheap auto insurance rates after a DUI.
Gerald (27 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Saginaw, MI (Zip Code: 48609)
$134
per month
Cheapest car insurance in Saginaw after an at-fault accident
Your driving and insurance claim history heavily influences your car insurance rates.
Insurance providers look at your record as a driver to determine how much money you could cost them as a policyholder. If you’ve had a car crash recently, you’ve probably seen your Saginaw car insurance rates go up.
Here’s a closer look at how an accident can affect your insurance.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $273 | Lola, 26 Zip: 48603 | Chevrolet Trax 1LT | • State Minimum Liability • Comp / Collision |
Not At Fault | Safeco | $64 | Hettie, 26 Zip: 48602 | Pontiac G6 | • State Minimum Liability |
At Fault With No Injury | Bristol West | $176 | Herman, 56 Zip: 48602 | Jeep Grand Cherokee Limited | • 100,000/300,000 Liability |
Last Updated Apr 25, 2024Cheapest car insurance in Saginaw after other driving violations
Any driving violation—whether for reckless driving or driving uninsured—can lead to higher auto insurance rates.
Here’s where other drivers with various driving violations found affordable coverage in Saginaw:
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Yield | Progressive | $273 | Ina, 26 Zip: 48603 | Chevrolet Trax 1LT | • State Minimum Liability • Comp / Collision |
Driving on Sus. License | Bristol West | $388 | Eliza, 28 Zip: 48601 | Jeep Wrangler Unlimited Sport | • 100,000/300,000 Liability • Comp / Collision |
Failure to Obey Signal | Safeco | $384 | Christina, 21 Zip: 48601 | Ford Focus SE | • 100,000/300,000 Liability |
Improper Passing | Safeco | $103 | Logan, 23 Zip: 48602 | Chevrolet Trailblazer | • 100,000/300,000 Liability |
Last Updated Apr 25, 2024Cheap car insurance quotes in Saginaw by age
New drivers
often face high insurance rates due to their lack of driving knowledge. Individuals over 25 see decreased insurance rates until their 75th birthday, which is often when costs rise again.Cheapest car insurance in Saginaw for young drivers
If you’re between 16 and 19, you may have difficulty finding affordable car insurance, but that doesn’t mean it will be impossible. Comparing quotes (and adding full coverage insurance to pay for any driving mistakes) is critical to keeping costs down.
Here are a few quotes young policyholders were able to secure using Jerry.
Beatrice (23 years old)
$185
per month
Minerva (24 years old)
$141
per month
Charlie (22 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Saginaw, MI (Zip Code: 48603)
$198
per month
Cheapest car insurance in Saginaw for senior drivers
Because
older drivers
are more likely to get into accidents and suffer serious injuries, their rates go up around their mid-70s. Because providers usually have to pay more to settle a senior driver’s claim for medical expenses, they charge more.The cards below show how Jerry helped senior drivers in Saginaw find lower rates.
Chase (68 years old)
$105
per month
Adele (67 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Saginaw, MI (Zip Code: 48601)
$65
per month
Cheap car insurance quotes in Saginaw based on insurance history
It’s essential to have a continuous insurance history to save money. Any
car insurance lapse
—i.e., a period of time where you didn't have auto insurance coverage, even if it wasn't your fault—could mean you pay higher rates. Jerry has helped many customers without insurance or with coverage lapses find a new policy and save money. To help them avoid future gaps, Jerry can also send automatic reminders for upcoming or missed payments.
Lela (43 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Saginaw, MI (Zip Code: 48601)
$133
per month
Barbara (24 years old)
$141
per month
Dale (37 years old)
$227
per month
Roxie (37 years old)
$227
per month
Leah (24 years old)
$141
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 Saginaw for popular cars
Your choice of car also helps to decide your monthly and annual premiums. Insurers weigh how likely you are to make a claim based on your car’s purchase price, repair costs, anti-theft measures, and safety ratings.
Around the Great Lake State, the five most popular cars are:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota Corolla IM | Progressive | $164 | Roxie, 37 Zip: 48601 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Apr 25, 2024Cheapest car insurance in Saginaw for new vs. old car
It usually costs a lot more to insure a new car rather than an older one. According to Jerry’s data, a full coverage insurance policy for a car over ten years old costs far less than a new model. Take the Honda Civic, for example. Full coverage for a 2000 model averages out to $160 per month, whereas a 2024 model could cost up to $450 per month.
Regardless of your ride’s age, you can get new, free quotes on demand with Jerry whenever you want.
Jack (43 years old)
2010 Dodge Journey R/T
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Saginaw, MI (Zip Code: 48601)
$133
per month
Minerva (24 years old)
$141
per month
Ivan (45 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Saginaw, MI (Zip Code: 48602)
$146
per month
Charlie (22 years old)
2010 Ford F150 Supercrew
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Saginaw, MI (Zip Code: 48603)
$198
per month
Martin (37 years old)
$227
per month
How to lower car insurance costs in Saginaw
1. Shop around and compare quotes
To ensure that you're getting the best deal on car insurance, it's important to compare quotes from multiple providers. Experts say to go
car insurance shopping
with at least three different providers every six months. Jerry provides a quick and hassle-free way to compare rates. The app provides the five to seven most competitive rates in Saginaw within a few minutes, eliminating all the guesswork in the search for affordable rates.
2. Hunt for car insurance discounts
- Good driver discounts: If you've kept aclean driving recordfor at least three years, you may be eligible for savings.
- Telematics device discounts: By installing a telematics device in your car, you can earn discounts for driving safely rather than braking hard or speeding.
- Good student discounts: If you're a college or high school student with a B average or better, you could save money on your car insurance from certain providers.
- Homeowners insurance bundle discounts: Considerbundlingyour car and home insurance policies to save money. Bundling other insurance products—like life insurance, business insurance, and renters insurance—also works.
3. Increase your deductible for comprehensive and collision coverage
If you don’t want to drop your coverage, consider increasing your deductible to save on car insurance. Just keep in mind that this is often a last resort option and should only be considered if you can afford the increase.
Why is car insurance in Saginaw so expensive?
Car insurance in Michigan is costly for various reasons, including:
- Dense population: Cities with a large number of residents tend to have more traffic, increasing both car accidents and insurance rates.
- Uninsured drivers: Uninsured drivers on the roads pose financial risks for all insurance companies, leading to higher overall insurance costs for everyone.
- Healthcare expenses: Because medical treatment is included in liability and personal injury protection insurance, any increase in healthcare costs leads to increased coverage costs.
- Highway traffic: Michigan has a relatively higher highway density, contributing to increased car accidents and higher insurance rates.
- Theft: High rates of motor vehicle theft lead to increased insurance costs, as insurers pass the cost of paying to replace stolen vehicles onto consumers.
- Natural disasters: Michigan is prone to natural disasters like storms and floods, which cause a lot of property damage.
For all these reasons, car insurance in Michigan is comparatively more expensive than in other states.
FAQ
How much is car insurance in Saginaw?
Saginaw drivers spend an average of $106 per month—equivalent to $1,272 per year—for minimum liability coverage. Full coverage costs around $192 per month or $2,304 annually.
However, the most reliable way to determine your costs is to compare car insurance quotes from different providers.
What is the minimum car insurance in Saginaw?
A minimum-coverage auto insurance policy in Michigan includes the following:
- $50,000 of residual bodily injury liability (BI) coverage per person
- $100,000 of residual BI liability coverage per accident
- $10,000 of property damage liability (PD) per accident (only applies to at-fault accidents in other states)
- $250,000 of Personal Injury Protection (PIP), unless a named insured or household member has alternate health insurance
- Up to $1,000,000 of Property Protection Insurance (PPI)
What is the cheapest car insurance in Saginaw?
Different providers will give you different rates depending on your driver profile, so the only way to find the cheapest option is to compare them all.
Our research shows that Progressive, Safeco, and Nationwide all had affordable coverage for Saginaw and scored top marks for customer satisfaction.
What is the best car insurance in Saginaw, Michigan?
When it comes to buying car insurance, drivers want the best coverage at the lowest price. However, it’s also important to consider a provider’s quality of customer service and claims handling.
Saginaw drivers had great experiences with Progressive, Safeco, and Nationwide—all providers that offered affordable coverage alongside high customer satisfaction ratings.
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
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.
Jasmine Kanter
Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.
Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.
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.
*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.
