Get Affordable Bay City, MI Auto Insurance Quotes (2024)
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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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Insurance Operations Specialist
UPDATED: Nov 27, 2023
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.
UPDATED: Nov 27, 2023
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.
On This Page
| Bay City, MI Facts | Source |
|---|---|
| Michigan drivers are required to have unlimited PIP | michigan.gov |
| Auto insurance companies cannot use sex, marital status, or homeownership when determining auto insurance rates in Michigan | michigan.gov |
| Auto insurance companies cannot use credit score, educational level, occupation, or ZIP codes in the setting of auto insurance rates in Michigan | michigan.gov |
| There is a new fraud investigation unit in place in Michigan as of July 2020 | michigan.gov |
| Auto insurance policies and rates must be filed with and approved by the Department of Insurance and Financial Services | michigan.gov |
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| Cities | Average Annual Rates for a Age 60-Year-Old | Average Annual Rates for a 35-Year-Old | Average Annual Rates for a Age 25-Year-Old | Average 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 |
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.
https://www.youtube.com/watch?time_continue=3&v=YahYVToIkXo
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.
https://www.youtube.com/watch?v=4azykC2TYMI&feature=emb_logo
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| Companies | Average Annual Rates for a Married 60-Year-Old Female | Average Annual Rates for a Married 60-Year-Old Male | Average Annual Rates for a Married 35-Year-Old Female | Average Annual Rates for a Married 35-Year-Old Male | Average Annual Rates for a Single 25-Year-Old Female | Average Annual Rates for a Single 25-Year-Old Mmale | Average Annual Rates for a Single 17-Year-Old Female | Average Annual Rates for a Single 17-Year-Old Male | Average 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 |
As you can see, Allstate and Liberty Mutual charge the most by far for span auto insurance in Bay City, MI. Compare more rates in our Allstate auto insurance review..
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| States | Total Licensed Drivers | Total Annual Miles Driven | Average Annual Total Miles Driver Per Driver |
|---|---|---|---|
| Dist. of Col. | 419,896 | 3,528,000,000 | 8,402 miles |
| Alaska | 531,744 | 4,857,000,000 | 9,134 miles |
| Rhode Island | 748,337 | 7,677,000,000 | 10,259 miles |
| Washington | 5,401,139 | 58,060,000,000 | 10,750 miles |
| Pennsylvania | 8,915,641 | 99,882,000,000 | 11,203 miles |
| Hawaii | 902,639 | 10,174,000,000 | 11,271 miles |
| New York | 11,318,198 | 129,263,000,000 | 11,421 miles |
| Massachusetts | 4,765,586 | 57,552,000,000 | 12,077 miles |
| New Hampshire | 1,071,963 | 12,970,000,000 | 12,099 miles |
| New Jersey | 6,152,634 | 74,856,000,000 | 12,166 miles |
| Connecticut | 2,542,588 | 31,190,000,000 | 12,267 miles |
| Oregon | 2,785,446 | 34,610,000,000 | 12,425 miles |
| Illinois | 8,373,565 | 104,906,000,000 | 12,528 miles |
| Colorado | 3,883,362 | 48,985,000,000 | 12,614 miles |
| Arizona | 4,881,801 | 62,631,000,000 | 12,829 miles |
| Vermont | 545,312 | 7,059,000,000 | 12,945 miles |
| Delaware | 732,349 | 9,596,000,000 | 13,103 miles |
| California | 24,813,346 | 332,857,000,000 | 13,414 miles |
| Maryland | 4,142,997 | 56,432,000,000 | 13,621 miles |
| South Carolina | 3,617,535 | 49,931,000,000 | 13,802 miles |
| Michigan | 7,046,433 | 97,384,000,000 | 13,820 miles |
| Maine | 1,018,918 | 14,301,000,000 | 14,035 miles |
| Virginia | 5,769,063 | 80,985,000,000 | 14,038 miles |
| Nevada | 1,796,443 | 25,302,000,000 | 14,084 miles |
| Iowa | 2,227,950 | 31,414,000,000 | 14,100 miles |
| Nebraska | 1,383,693 | 19,613,000,000 | 14,174 miles |
| Ohio | 7,915,907 | 112,766,000,000 | 14,245 miles |
| Idaho | 1,128,497 | 16,154,000,000 | 14,315 miles |
| Wisconsin | 4,188,194 | 60,053,000,000 | 14,339 miles |
| Florida | 13,898,347 | 201,040,000,000 | 14,465 miles |
| Louisiana | 3,312,630 | 48,252,000,000 | 14,566 miles |
| South Dakota | 609,908 | 9,225,000,000 | 15,125 miles |
| Kansas | 2,021,271 | 30,710,000,000 | 15,193 miles |
| North Carolina | 7,025,333 | 108,012,000,000 | 15,375 miles |
| Texas | 15,648,733 | 243,076,000,000 | 15,533 miles |
| Tennessee | 4,613,166 | 72,336,000,000 | 15,680 miles |
| Montana | 768,703 | 12,157,000,000 | 15,815 miles |
| Kentucky | 3,004,919 | 47,941,000,000 | 15,954 miles |
| Arkansas | 2,111,873 | 34,024,000,000 | 16,111 miles |
| West Virginia | 1,171,907 | 19,117,000,000 | 16,313 miles |
| Missouri | 4,295,224 | 70,909,000,000 | 16,509 miles |
| Georgia | 6,650,434 | 111,535,000,000 | 16,771 miles |
| Alabama | 3,881,542 | 65,667,000,000 | 16,918 miles |
| Minnesota | 3,357,468 | 57,395,000,000 | 17,095 miles |
| New Mexico | 1,444,857 | 25,347,000,000 | 17,543 miles |
| Indiana | 4,448,099 | 79,204,000,000 | 17,806 miles |
| Utah | 1,425,703 | 27,554,000,000 | 19,327 miles |
| Oklahoma | 2,451,972 | 47,699,000,000 | 19,453 miles |
| North Dakota | 527,541 | 10,511,000,000 | 19,925 miles |
| Mississippi | 1,977,679 | 39,499,000,000 | 19,972 miles |
| Wyoming | 423,987 | 9,457,000,000 | 22,305 miles |
| Average | 214,092,472 | 3,025,655,000,000 | 14,132 miles |
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| Companies | Average Annual Rates with High Coverage | Average Annual Rates with Low Coverage | Average Annual Rates with Medium Coverage | Average 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 |
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| Companies | Average Annual Rates with a Clean record | Average Annual Rates with 1 accident | Average Annual Rates with 1 DUI | Average Annual Rates with 1 speeding violation | Average 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 |
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 Condition | Statistics |
|---|---|
| Poor | 25% |
| Mediocre | 36% |
| Fair | 5% |
| Good | 35% |
| Vehicle Operating Costs | $590 |
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 Agencies | Address | Phone Number |
|---|---|---|
| AAA Insurance | 1111 S Euclid Ave Bay City, MI 48706 | (989) 686-2940 |
| Ace Castle | 1800 S Euclid Ave Bay City, MI 48706 | (989) 667-2188 |
| Don Webster Agency | 503 N Euclid Ave Ste 12 Bay City, MI 48706 | (989) 684-3338 |
| Duffy Duncan | 3583 E Wilder Road Bay City, MI 48706 | (989) 686-8680 |
| Durussel Insurance Agency | 3741 Wilder Rd Ste C Bay City, MI 48706 | (989) 671-8206 |
| Hantz Group | 1601 Marquette St Bay City, MI 48706 | (989) 686-5930 |
| Jeff Hunt State Farm Insurance | 4359 Wilder Rd Bay City, MI 48706 | (989) 686-7840 |
| John Drzewicki | 1104 S Madison Ave Bay City, MI 48708 | (989) 893-3553 |
| John Shankool | 1200 W Jenny St Bay City, MI 48706 | (989) 922-3800 |
| Kerry Jezak | 2307 Kosciuszko Ave Bay City, MI 48708 | (989) 895-5570 |
| Larry Boon | 815 Columbus Ave Bay City, MI 48708 | (989) 895-5536 |
| Northway Insurance Agency | 808 N Jefferson St Bay City, MI 48708 | (989) 893-7651 |
| Saginaw Bay Underwriters | 610 Adams St Bay City, MI 48708 | (989) 892-2527 |
| Steven Pero | 1413 Center Ave Bay City, MI 48708 | (989) 892-3900 |
| Thomas C Campbell | 902 S Euclid Ave Bay City, MI 48706 | (989) 686-0100 |
| Thomas Keenan | 3755 Wilder Rd Bay City, MI 48706 | (989) 671-9899 |
| Thumb Insurance Agency | 2711 Center Ave Ste 102 Essexville, MI 48732 | (989) 893-3688 |
| Tony Devolder | 3010 E Midland Rd Bay City, MI 48706 | (989) 686-3711 |
| Wise Insurance Agency | 607 S Euclid Ave Bay City, MI 48706 | (989) 667-3339 |
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
Who are some auto insurance agents in Bay City, MI?
Here are a few auto insurance agents in Bay City, MI:
- Saginaw Bay Underwriters: 610 Adams St, Bay City, MI 48708
- Northway Insurance Agency: 808 N Jefferson St, Bay City, MI 48708
- Larry Boon: 815 Columbus Ave, Bay City, MI 48708
- Steven Pero: 1413 Center Ave, Bay City, MI 48708
- John Drzewicki: 1104 S Madison Ave, Bay City, MI 48708
- Kerry Jezak: 2307 Kosciuszko Ave, Bay City, MI 48708
How does age and gender affect car insurance rates in Bay City, MI?
Gender is not typically considered by insurance companies when setting rates in Michigan. However, age is a significant factor. Younger drivers with less experience generally have higher rates compared to older drivers. Rates tend to decrease after the age of 25.
Can ZIP codes affect car insurance rates in Bay City, MI?
Michigan does not allow insurers to use ZIP codes for rate-setting purposes. This means that ZIP codes should not directly impact car insurance rates in Bay City, MI.
Which auto insurance companies offer the cheapest rates in Bay City, MI?
The rates offered by auto insurance companies can vary. Here are some of the companies operating in Bay City, MI:
- Allstate
- Liberty Mutual
- Geico
- AAA Insurance
- State Farm Insurance
How does driving record affect car insurance rates in Bay City, MI?
A clean driving record generally results in lower car insurance rates. However, having infractions such as a DUI can significantly increase rates. The impact of driving record on rates varies depending on the insurance company.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Insurance Operations Specialist
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.