Clinton, MI Car Insurance

How much is auto insurance in Clinton?


The average cost of car insurance in Clinton, Michigan, is $3,535 per year. That's more than the statewide average in Michigan ($3,096) and more expensive than the national average of $1,548. Our guide to Clinton auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!


CAR INSURANCE: CLINTON RATES VS. STATE + NATIONAL AVERAGES
Clinton Average (annual)Michigan AverageUnited States Average
$3,535$3,096$1,548

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Clinton car insurance premiums by insurer


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Clinton, AAA offers the cheapest rates for the average insurance customer. We've gathered the best cheap car insurance companies in Clinton below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.


CLINTON CAR INSURANCE RATES BY COMPANY
CompanyAverage Yearly Rate
AAA$2,373
Progressive$2,565
State Farm$3,157
The Hanover$5,896
Allstate$6,978

Read our guide to finding the best cheap auto insurance.



Car insurance rates by age bracket in Clinton

The age group that enjoys the lowest auto insurance rates in Clinton are drivers in their age_50s, who pay an average of $3,326per year. Those in their age_60s don't pay significantly more ($3,390).

Teen drivers pay Clinton's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Clinton is to age out of your teenage years. The difference in rates paid by teenage drivers and drivers in their 20s in Clinton is $6,024, the largest such difference between any two age groups.


CAR INSURANCE RATES BY AGE TIER IN CLINTON
Age tierAverage Annual Rate
Teens$10,414
20s$4,390
30s$3,533
40s$3,512
50s$3,326
60s$3,390
70s$3,979

Learn more about the impact of age on car insurance premiums.



Clinton auto insurance premiums by gender and marital status


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Clinton pay $35 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Clinton, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is yet another factor that can affect auto insurance premiums. In Clinton, female drivers pay $98 per year more than do male drivers for car insurance.


CLINTON AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$3,633
Male$3,535
Single$3,500
Married$3,500
Divorced$3,535
Widowed$3,535

Learn more about the impact gender and marital status have on insurance rates.



Clinton auto insurance rates by citation and accident history


Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Two of the most costly citations to receive are DUI and reckless driving. Clinton drivers found guilty of reckless driving face insurance rate increases of $7,643 per year, compared to the citywide average. A DUI violation may lead to a $7,383 increase, while a citation for speeding leads to a $2,306 rate hike.


CLINTON CAR INSURANCE RATES AFTER A COLLISION OR CITATION
CitationAverage Annual Rate
DUI/DWI$10,917
Reckless Driving$11,178
At-fault Accident (damages < $1,000)$5,178
At-fault Accident (damages greater than $2,000)$5,665
Speeding Ticket (16-20 mph over speed limit)$5,841

Get more info on how a bad driving history can impact your car insurance costs.



Clinton car insurance premiums by credit tier


A driver's credit level can be closely correlated with their auto insurance rates. Clinton drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 79% on their auto insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Clinton, improving your credit to "Fair" corresponds with a $6,613 decrease in annual car insurance rates.


CLINTON CAR INSURANCE RATES BY CREDIT SCORE
Credit ScoreAverage Yearly Rate
Very Poor$11,293
Fair$4,679
Good$3,535
Very Good$2,889
Exceptional$2,348

Get additional information on how credit impacts car insurance costs.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.