Bay City, MI Auto Insurance

Michigan auto insurance is the highest in the country. The average cost of Bay City, MI auto insurance is about $450 per month. But with a little research, you can find affordable auto insurance in Bay City. Read on to get an overview of car insurance company rates in Bay City, MI, and find great auto insurance quotes.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Mar 11, 2022

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Bay City, MI Summary
Bay City, MI FactsSource
Michigan drivers are required to have unlimited PIPmichigan.gov
Auto insurance companies cannot use sex, marital status, or homeownership when determining auto insurance rates in Michiganmichigan.gov
Auto insurance companies cannot use credit score, educational level, occupation, or ZIP codes in the setting of auto insurance rates in Michiganmichigan.gov
There is a new fraud investigation unit in place in Michigan as of July 2020michigan.gov
Auto insurance policies and rates must be filed with and approved by the Department of Insurance and Financial Servicesmichigan.gov
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We understand that finding the right insurer can be a bit of a hassle. So if you need help as you look for Bay City, MI auto insurance, this guide has you covered.

If you have questions like Who has the best and cheapest car insurance? or How much is full coverage car insurance in Michigan?, then read on.

We’ve compiled this guide to help you understand car insurance in Bay City, MI.

If you’re ready to compare affordable Bay City, MI auto insurance quotes right now, just enter your ZIP code at the top of this page to get cheap auto insurance in Bay City, MI.

Bay City, MI Auto Insurance Agents

Are you looking for the best auto insurance rates in Bay City? If so, check out our list of auto insurance agents below. To get rates for your vehicle, contact these agents directly. If you would like to compare auto insurance rates in Bay City online, please enter your Bay City zip code at the top of this page to get the cheapest car insurance quotes in the area.

Saginaw Bay Underwriters
610 Adams St, Bay City, MI 48708
(989) 8922527

Northway Insurance Agency
808 N Jefferson St, Bay City, MI 48708
(989) 8937651

Larry Boon
815 Columbus Ave, Bay City, MI 48708
(989) 8955536

Steven Pero
1413 Center Ave, Bay City, MI 48708
(989) 8923900

John Drzewicki
1104 S Madison Ave, Bay City, MI 48708
(989) 8933553

Kerry Jezak
2307 Kosciuszko Ave, Bay City, MI 48708
(989) 8955570

Wise Insurance Agency
607 S Euclid Ave, Bay City, MI 48706
(989) 6673339

Thomas C Campbell
902 S Euclid Ave, Bay City, MI 48706
(989) 6860100

AAA Insurance
1111 S Euclid Ave, Bay City, MI 48706
(989) 6862940

John Shankool
1200 W Jenny St, Bay City, MI 48706
(989) 9223800

Don Webster Agency
503 N Euclid Ave Ste 12, Bay City, MI 48706
(989) 6843338

Ace Castle
1800 S Euclid Ave, Bay City, MI 48706
(989) 6672188

Hantz Group
1601 Marquette St, Bay City, MI 48706
(989) 6865930

Thumb Insurance Agency
2711 Center Ave Ste 102, Essexville, MI 48732
(989) 8933688

Jeff Hunt State Farm Insurance
4359 Wilder Rd, Bay City, MI 48706
(989) 6867840

Duffy Duncan
3583 E Wilder Road, Bay City, MI 48706
(989) 6868680

Durussel Insurance Agency
3741 Wilder Rd Ste C, Bay City, MI 48706
(989) 6718206

Thomas Keenan
3755 Wilder Rd, Bay City, MI 48706
(989) 6719899

Tony Devolder
3010 E Midland Rd, Bay City, MI 48706
(989) 6863711

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Car Insurance Rates in Bay City, MI

According to Michigan’s official website, many substantial changes have recently taken place in regards to auto insurance.

No-fault legislation was signed by Governor Whitmer in order to lower costs for Michigan drivers as a whole. This legislation was also put in place to ensure that Michigan residents maintain high coverage options and have their needs protected. It went into effect on July 1, 2020 and pertains to many of the following factors.

Does gender and age affect my car insurance rates in Bay City, MI?

It’s becoming increasingly uncommon for gender to be taken into account when setting auto insurance rates. Several states have passed legislation preventing insurance companies from considering an applicant’s gender, including Michigan. However, age is still a substantial factor when setting rates because age is akin to experience behind the wheel. Drivers with less experience are riskier to insure.

Let’s take a look at a table comparing rates for several different ages in several different cities, including Bay City.

Bay City, MI Average Annual Auto Insurance Rages by Age
CitiesAverage Annual Rates for a Age 60-Year-OldAverage Annual Rates for a 35-Year-OldAverage Annual Rates for a Age 25-Year-OldAverage Annual Rates for a Age 17-Year-Old
Elwell$5,788.96$6,143.68$6,575.75$16,608.52
Coldwater$5,882.95$6,238.09$6,673.73$16,651.72
Bay City$6,130.96$6,537.22$7,019.68$17,788.43
Beaverton$6,187.77$6,563.67$7,041.09$17,794.05
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As you can see, there is a substantial decrease in pricing for 25-year-olds in comparison to 17-year-olds. After 25, rates continue to decrease, but at a far smaller level. Keep in mind that some vehicles are cheaper to insure for a 17-year-old than others.

The following video shows the importance of educating teens on safe driving.

Next, let’s talk about auto insurance and ZIP codes.

What ZIP codes have the cheapest car insurance rates in Bay City, MI?

In Michigan, ZIP codes may not be used by insurers in setting rates.

This is part of the state’s new auto-related legislation. Let’s take a look at a video further explaining it.

Wondering which companies offer the cheapest rates? Keep reading.

Cheapest Car Insurance Rates by Company

It’s tough finding the best insurer to fit your needs. Of course, a primary starting point is price.

Who has the best insurance rates in Michigan? Let’s take a look at a table showing the rates for the biggest companies operating in Bay City.

Bay City, MI Average Annual Auto Insurance Rates by Age and Gender
CompaniesAverage Annual Rates for a Married 60-Year-Old FemaleAverage Annual Rates for a Married 60-Year-Old MaleAverage Annual Rates for a Married 35-Year-Old FemaleAverage Annual Rates for a Married 35-Year-Old MaleAverage Annual Rates for a Single 25-Year-Old FemaleAverage Annual Rates for a Single 25-Year-Old MmaleAverage Annual Rates for a Single 17-Year-Old FemaleAverage Annual Rates for a Single 17-Year-Old MaleAverage Annual Rates
Progressive$2,237.97$2,484.49$2,513.09$2,334.16$2,909.25$2,690.74$9,253.38$9,874.27$4,287.17
USAA$2,534.79$2,382.72$2,692.47$2,538.65$3,279.24$3,129.74$6,677.64$6,324.07$3,694.92
Geico$3,444.89$3,444.89$3,358.73$3,358.73$3,214.19$3,214.19$9,593.11$9,593.11$4,902.73
Farmers$3,474.46$3,474.46$3,714.28$3,714.28$4,170.44$4,170.44$8,244.53$8,244.53$4,900.93
Nationwide$3,734.87$3,734.87$4,188.35$4,188.35$4,589.09$4,589.09$10,977.80$10,977.80$5,872.53
State Farm$5,994.26$5,994.26$6,431.83$6,431.83$7,559.08$7,559.08$22,860.27$22,860.27$10,711.36
Travelers$7,033.90$7,033.90$8,209.80$8,209.80$8,927.26$8,927.26$24,975.96$24,975.96$12,286.73
Liberty Mutual$12,470.47$12,470.47$12,592.83$12,592.83$12,592.83$12,592.83$29,342.13$29,342.13$16,749.57
Allstate$14,205.77$14,205.77$15,299.94$15,299.94$16,119.75$16,119.75$38,037.39$38,037.39$20,915.71
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As you can see, Allstate and Liberty Mutual charge the most by far for auto insurance in Bay City, MI.

Find out who has the best and cheapest Bay City, MI auto insurance rates for you by typing your ZIP code into our helpful tool.

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Best Car Insurance for Commute Rates

A big part of risk determination is how many miles you drive per year. The longer you’re on the road, the greater the potential for a collision.

Let’s take a look at a table showing where Michigan stands in relation to the rest of the country.

Average Annual Miles Driver per U.S. Driver
StatesTotal Licensed DriversTotal Annual Miles DrivenAverage Annual Total Miles Driver Per Driver
Dist. of Col.419,8963,528,000,0008,402 miles
Alaska531,7444,857,000,0009,134 miles
Rhode Island748,3377,677,000,00010,259 miles
Washington5,401,13958,060,000,00010,750 miles
Pennsylvania8,915,64199,882,000,00011,203 miles
Hawaii902,63910,174,000,00011,271 miles
New York11,318,198129,263,000,00011,421 miles
Massachusetts4,765,58657,552,000,00012,077 miles
New Hampshire1,071,96312,970,000,00012,099 miles
New Jersey6,152,63474,856,000,00012,166 miles
Connecticut2,542,58831,190,000,00012,267 miles
Oregon2,785,44634,610,000,00012,425 miles
Illinois8,373,565104,906,000,00012,528 miles
Colorado3,883,36248,985,000,00012,614 miles
Arizona4,881,80162,631,000,00012,829 miles
Vermont545,3127,059,000,00012,945 miles
Delaware732,3499,596,000,00013,103 miles
California24,813,346332,857,000,00013,414 miles
Maryland4,142,99756,432,000,00013,621 miles
South Carolina3,617,53549,931,000,00013,802 miles
Michigan7,046,43397,384,000,00013,820 miles
Maine1,018,91814,301,000,00014,035 miles
Virginia5,769,06380,985,000,00014,038 miles
Nevada1,796,44325,302,000,00014,084 miles
Iowa2,227,95031,414,000,00014,100 miles
Nebraska1,383,69319,613,000,00014,174 miles
Ohio7,915,907112,766,000,00014,245 miles
Idaho1,128,49716,154,000,00014,315 miles
Wisconsin4,188,19460,053,000,00014,339 miles
Florida13,898,347201,040,000,00014,465 miles
Louisiana3,312,63048,252,000,00014,566 miles
South Dakota609,9089,225,000,00015,125 miles
Kansas2,021,27130,710,000,00015,193 miles
North Carolina7,025,333108,012,000,00015,375 miles
Texas15,648,733243,076,000,00015,533 miles
Tennessee4,613,16672,336,000,00015,680 miles
Montana768,70312,157,000,00015,815 miles
Kentucky3,004,91947,941,000,00015,954 miles
Arkansas2,111,87334,024,000,00016,111 miles
West Virginia1,171,90719,117,000,00016,313 miles
Missouri4,295,22470,909,000,00016,509 miles
Georgia6,650,434111,535,000,00016,771 miles
Alabama3,881,54265,667,000,00016,918 miles
Minnesota3,357,46857,395,000,00017,095 miles
New Mexico1,444,85725,347,000,00017,543 miles
Indiana4,448,09979,204,000,00017,806 miles
Utah1,425,70327,554,000,00019,327 miles
Oklahoma2,451,97247,699,000,00019,453 miles
North Dakota527,54110,511,000,00019,925 miles
Mississippi1,977,67939,499,000,00019,972 miles
Wyoming423,9879,457,000,00022,305 miles
Average 214,092,4723,025,655,000,00014,132 miles
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As you can see, Michigan ranks 21st out of the entire country with an average of 13,820 miles per driver annually. Many people are cutting back on their driving by taking public transportation or rideshares.

Let’s take a look at a video on ridesharing in Michigan.

Here’s another video from MDOT, this time about mass transit.

As you can see, if you want to save on rates by driving less, you do have options.

Let’s see how your coverage level can affect your rates from various auto insurance places in Bay City.

Best Car Insurance for Coverage Level Rates

The amount of coverage you have is, of course, a determining factor in how much you pay. Let’s take a look at prices for various coverage levels from some insurers.

Bay City, MI Average Annual Auto Insurance Rates by Coverage Level
CompaniesAverage Annual Rates with High CoverageAverage Annual Rates with Low CoverageAverage Annual Rates with Medium CoverageAverage Annual Rates
USAA$3,796.92$3,583.55$3,704.28$3,694.92
Progressive$4,418.67$4,149.87$4,292.95$4,287.16
Farmers$5,036.37$4,775.53$4,890.88$4,900.93
Geico$5,268.36$4,580.43$4,859.40$4,902.73
Nationwide$5,692.88$6,152.61$5,772.10$5,872.53
State Farm$11,193.79$10,161.07$10,779.23$10,711.36
Travelers$12,402.03$12,158.39$12,299.77$12,286.73
Liberty Mutual$17,173.65$16,362.91$16,712.11$16,749.56
Allstate$21,392.53$20,392.24$20,962.37$20,915.71
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As you can see, there’s not a huge difference in price between low and high coverage for any insurer. With that being said, there are substantial price gaps between some insurers, such as Allstate and USAA.

Best Car Insurance for Credit History Rates

Auto insurance companies often take a person’s credit score into account when setting rates, as they believe this is a reflection of a person’s overall level of responsibility.

However, like gender and ZIP code, Michigan does not permit insurers to consider this factor during the rate-setting process.

Let’s move on to driving record and rates.  Or if you’re ready to compare auto insurance quotes to find the best car insurance option in Bay City, MI, enter your ZIP code now.

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Best Car Insurance for Driving Record Rates

One of the most substantial factors in rate determination is how clean your driving record is. Let’s take a look at a table comparing rates from insurance companies for drivers with clean driving records and drivers with infractions.

Bay City, MI Average Annual Auto Insurance Rates by Driver History
CompaniesAverage Annual Rates with a Clean recordAverage Annual Rates with 1 accidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 speeding violationAverage Annual Rates
Geico$1,718.02$3,657.42$11,052.30$3,183.18$5,475.91
USAA$2,968.52$3,715.13$4,859.63$3,236.37$3,847.76
Progressive$3,652.25$4,768.97$4,288.90$4,438.55$4,236.71
Farmers$4,122.45$5,245.56$5,181.37$5,054.34$4,849.79
Nationwide$5,021.84$6,721.90$6,092.48$5,653.89$5,945.41
State Farm$6,737.42$8,119.66$17,795.33$10,193.03$10,884.14
Travelers$8,270.53$11,863.96$19,218.16$9,794.27$13,117.55
Allstate$10,182.03$13,602.32$45,625.42$14,253.08$23,136.59
Liberty Mutual$11,528.26$14,061.76$26,529.67$14,878.56$17,373.23
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As you can see, a single DUI can drastically alter your rates. In fact, you can pay over four times as much if you have a DUI on your record.

Let’s move on to other factors that affect your rates.

What affects car insurance rates in Bay City, MI?

Insurance companies may also consider what the road conditions are like where you live, as poorly maintained roads can cause accidents and significant wear-and-tear on vehicles. Let’s see what this means for you.

Road Conditions

While we don’t have information on road conditions in Bay City specifically, we can look at a comparable city. Bay City has a population of about 33,000 and Kalamazoo has a population of about 76,500. Essentially, a bit over twice as many people. Let’s take a look at the road conditions in a table.

Kalamazoo-Battle Creek, MI Road Conditions
Road ConditionStatistics
Poor25%
Mediocre36%
Fair5%
Good35%
Vehicle Operating Costs$590
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As you can see, the percentage of roads in poor condition is exactly a quarter. While this isn’t the highest poor share on the list, it’s far from the lowest.

Let’s move on to thefts in Bay City.

Vehicle Theft in Bay City, MI

In nearly eight months, there have been only 48 motor vehicle thefts in Bay City. Out of a population of 33,000, this is far from catastrophic. Neighborhood Scout labels Bay City safer than 14 percent of U.S. cities.

In short, while Bay City is not the most dangerous city in the country, it’s far from the safest. Since vehicle theft is a possibility here, it might be a good idea to invest in comprehensive coverage.

Auto Insurance Companies in Bay City, MI

Are you hoping to find the best rates and coverage offered by vehicle insurance companies in Bay City, Michigan? If so, check out our list of auto insurance agents below and contact them directly to get the average cost of auto insurance in Bay City, MI.

Bay City, MI Auto Insurance Agencies
Insurance AgenciesAddressPhone Number
AAA Insurance1111 S Euclid Ave
Bay City, MI 48706
(989) 686-2940
Ace Castle1800 S Euclid Ave
Bay City, MI 48706
(989) 667-2188
Don Webster Agency503 N Euclid Ave Ste 12
Bay City, MI 48706
(989) 684-3338
Duffy Duncan3583 E Wilder Road
Bay City, MI 48706
(989) 686-8680
Durussel Insurance Agency3741 Wilder Rd Ste C
Bay City, MI 48706
(989) 671-8206
Hantz Group1601 Marquette St
Bay City, MI 48706
(989) 686-5930
Jeff Hunt State Farm Insurance4359 Wilder Rd
Bay City, MI 48706
(989) 686-7840
John Drzewicki1104 S Madison Ave
Bay City, MI 48708
(989) 893-3553
John Shankool1200 W Jenny St
Bay City, MI 48706
(989) 922-3800
Kerry Jezak2307 Kosciuszko Ave
Bay City, MI 48708
(989) 895-5570
Larry Boon815 Columbus Ave
Bay City, MI 48708
(989) 895-5536
Northway Insurance Agency808 N Jefferson St
Bay City, MI 48708
(989) 893-7651
Saginaw Bay Underwriters610 Adams St
Bay City, MI 48708
(989) 892-2527
Steven Pero1413 Center Ave
Bay City, MI 48708
(989) 892-3900
Thomas C Campbell902 S Euclid Ave
Bay City, MI 48706
(989) 686-0100
Thomas Keenan3755 Wilder Rd
Bay City, MI 48706
(989) 671-9899
Thumb Insurance Agency2711 Center Ave Ste 102
Essexville, MI 48732
(989) 893-3688
Tony Devolder3010 E Midland Rd
Bay City, MI 48706
(989) 686-3711
Wise Insurance Agency607 S Euclid Ave
Bay City, MI 48706
(989) 667-3339
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Still looking for the cheapest auto insurance in Bay City? Get started by typing your ZIP code into our tool below to find rates from every auto insurance company in Bay City.

Frequently Asked Questions: Auto Insurance in Bay City, MI

We hope we’ve covered everything you wanted to know about auto insurance in Bay City, but if not, take a look at some of the most frequently asked questions below.

#1 – What city in Michigan has the cheapest auto insurance?

Portage, Michigan tends to be on the lower end of the pricing spectrum.

#2 – How much is full coverage auto insurance in Michigan?

It is possible, at a certain age, to get full coverage for $3,141 per year.

#3 – Who has the best auto insurance in Bay City, MI?

Geico tends to be very highly reviewed.

#4 – Is Liberty Mutual Auto Insurance in Bay City, MI?

Yes, Liberty Mutual operates in Bay City.

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