Battle Creek Auto Insurance Rates, Quotes, Agents & Reviews in MI

Battle Creek, MI Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Battle Creek, MI, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Battle Creek, MI are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Battle Creek, MI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Battle Creek, MI with that of other cities in and around Battle Creek.

Battle Creek Springfield Charleston Emmett charter Leroy Level Park-Oak Park
Average Insurance Rates $1,865 $2,585 $2,768 $2,729 $2,766 $2,673

Battle Creek, MI Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Battle Creek, MI based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Battle Creek $1,910 $1,613
Springfield $1,384 $1,169
Brownlee Park $1,874 $1,583
Level Park-Oak Park $2,753 $2,326
Bedford charter $1,035 $874
Charleston $1,719 $1,452
Emmett charter $931 $786
Leroy $1,497 $1,264

Battle Creek, MI Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Battle Creek, MI usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $6,052
20 Years $2,396
30 Years $1,846
40 Years $1,776
50 Years $1,645
60 Years $1,667
70 Years $1,941

Battle Creek, MI Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Battle Creek, MI can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,208 $522
3 Vehicles $4,812 $783
4 Vehicles $6,416 $1,044

Savings on 2 Vehicles bundle:$522

Savings on 3 Vehicles bundle:$783

Savings on 4 Vehicles bundle:$1,044


Battle Creek, MI Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Battle Creek, MI.

Location Average Insurance Cost Post DUI Insurance Rate
Battle Creek $1,865 $4,646
Springfield $2,585 $6,440
Brownlee Park $2,555 $6,365
Level Park-Oak Park $2,673 $6,659
Bedford charter $2,692 $6,706
Charleston $2,768 $6,896
Emmett charter $2,729 $6,798
Leroy $2,766 $6,891

Battle Creek, MI Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,600
Excellent (740-799) $1,827
Good (670-739) $1,943
Average (580-669) $2,535
Poor (300-579) $3,042

Battle Creek, MI Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$82 $1,947
Driver's Failure In Showing Documents +$181 $2,046
Driving With An Expired Registration +$192 $2,057
Driving At A Considerably Slow Pace +$405 $2,270
Using A Cellphone While Driving +$427 $2,292
Running A Red Light +$435 $2,300
Speeding +$457 $2,322
Driving A Vehicle Without The Required Permission +$580 $2,445
Driving With An Expired/Suspended License +$1,257 $3,122

Battle Creek, MI Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,790
Active Disabling Device $1,790
Tracking Device $1,753
Passive Disabling Device $1,734

Latest Auto Insurance Reviews in Battle Creek, MI | Back to Top

Meemic Insurance
I would definitely recommend my car insurance company, they cover what I need and they don't cost to much. I have actually recommended them in the past to my family and friends.
Allstate
My insurance premiums are competitive but they are not the cheapest. I have them because they provide good customer service.
Allstate
we only have liability for our car insurance seen as we don't have much money I wish I had more info on this matter to tell you but for what we pay for 2 cars and out age is not a bad deal
State Farm
I feel my auto insurance is real good even though i have a claim it really did not raise my rates and over time it has gotten back down
State Farm
I feel my auto insurance is real good even though i have a claim it really did not raise my rates and over time it has gotten back down
Travelers
I like the small-town feel of my insurance agent's office, and I like that they know me when I walk in the door. It is important to me that my insurance company is dependable.
Allstate
As with all auto insurance companies in Michigan, even with all the discounts the company has been able to give us our premium is still high.
Aaa
Interaction with this company is slightly difficult to me. Its only dislike for this insurance company. Otherwise its very good company.
Allstate
The price is better that I am receiving now. I don't recall how much cheaper it is but it was enough to make me switch companies