For a 40-year-old driver with a clean record, Saginaw car insurance averages about $299 a month ($3,583 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 16% below the Michigan average of $354 a month. Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Saginaw table, at about $123 a month.
Saginaw is one of the less expensive Michigan cities for car insurance: our benchmark driver pays about $299 a month, about $55 a month less than the Michigan average. Of our 15 Michigan city guides, only Monroe, Clinton and Ann Arbor cost less.
Our data covers six Saginaw ZIP codes, including 48609 and 48638 west of the city, and the city’s average is about $1 a month below Saginaw County’s $300.
Cost data comes from the auto rates insurers file with state regulators, priced across all six Saginaw ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Saginaw averages $3,583 a year, or about $299 a month, for our benchmark driver. Liability-only coverage at 20/40/10 limits averages $929 a year ($77 a month), and 50/100/50 liability with comprehensive and collision averages $3,502 ($292 a month).
Hanover is far more expensive than the other insurers here: its full-coverage average of about $584 a month is 2.6 times the average of the other four. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Hanover, the Saginaw average would be about $227 a month.
The published 2026 statewide Michigan rate studies we reviewed most often rank GEICO cheapest for full coverage: four of the seven put it first, apart from USAA, which sells only to military families. One puts Progressive first, one Travelers and one Auto-Owners. For liability-only coverage at 20/40/10 limits, Farm Bureau and Auto-Owners are effectively tied for the lowest average among these five insurers, at about $59 and $61 a month.
Full-coverage averages by insurer in Saginaw
Monthly, for the same driver and car. The AAA Auto Club row in the table isn’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $914 | $76 | $1,844 | $154 |
| Auto-Owners | $730 | $61 | $2,737 | $228 |
| Farm Bureau Insurance of Michigan | $710 | $59 | $3,032 | $253 |
| State Farm | $1,494 | $125 | $3,296 | $275 |
| Hanover | $797 | $66 | $7,008 | $584 |
| AAA Auto Club (Nov. 2025 rates)* | $1,960 | $163 | $3,756 | $313 |
| USAA (military families)* | $416 | $35 | $1,354 | $113 |
| GEICO* | $637 | $53 | $1,478 | $123 |
| Travelers* | $469 | $39 | $1,801 | $150 |
| Saginaw average | $929 | $77 | $3,583 | $299 |
This table uses Saginaw ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the six Saginaw ZIP codes we price, full coverage for our driver ranges from about $290 a month in 48603 and 48604 to $318 in 48601, a gap of $340 a year.
Lowest-priced Saginaw ZIP codes
Highest-priced Saginaw ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Saginaw’s average.
| ZIP Code: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 48601 | $1,068 | $89 | $3,815 | $318 | +6% |
| 48602 | $934 | $78 | $3,652 | $304 | +2% |
| 48603 | $859 | $72 | $3,475 | $290 | -3% |
| 48604 | $931 | $78 | $3,476 | $290 | -3% |
| 48609 | $905 | $75 | $3,577 | $298 | About average |
| 48638 | $877 | $73 | $3,505 | $292 | -2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $81 a year on average in our Saginaw data, with the same $500 deductibles. That’s about $7 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Auto-Owners charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Saginaw ZIP codes, their full-coverage average fell from $4,008 a year nine months earlier to $3,721 in rates as of Aug. 31, 2026, a 7.2% drop. Hanover cut its Saginaw average 11.1%, Progressive 5.4% and State Farm 5.0%, while Auto-Owners’ average was about unchanged. Leaving Hanover out, the other three insurers in both sets of rates averaged 3.4% less for full coverage. Farm Bureau is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Saginaw average above. AAA Auto Club’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 20/40/10 limits fell 14.2%, led by Hanover, which cut its liability-only average 48.7%.
Saginaw County averages about $300 a month for full coverage in our data, the 18th-least expensive of the 70 Michigan counties we price. Nearby towns cost a little less: Frankenmuth, to the southeast, averages about $291 a month and Freeland $281.
Bay County, just to the north, is the least expensive county in our data, at about $273 a month, and Bay City averages $278. Michigan law bars insurers from pricing by ZIP code itself, but it lets them group drivers by territory, so neighboring towns can be priced differently.
More Michigan cities and towns are in the Michigan rates by city table, and you can compare states on our car insurance rates by state page.
Lansing, about 55 miles southwest, averages $347 a month, and Midland, about 20 miles northwest, $271.
Drivers in Saginaw follow Michigan’s no-fault rules. Every policy must include:
If you don’t choose a PIP medical level, your policy includes unlimited PIP medical coverage, according to the Michigan Department of Insurance and Financial Services. You can show proof of insurance on your phone, under MCL 257.328. Our Michigan requirements guide covers the PIP choices, the mini-tort rule and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Michigan law and the Michigan Department of Insurance and Financial Services. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Saginaw averages about $299 a month ($3,583 a year) and liability-only coverage at 20/40/10 limits about $77 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 16% below the Michigan average of $354 a month. Without Hanover, the Saginaw average is about $227 a month.
Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Saginaw table, at about $123 a month, followed by Travelers and Progressive, effectively tied at about $150 and $154 a month. USAA, which sells only to military families, is lower still, at about $113 a month. Among the five major insurers we compared, full-coverage averages run from about $154 to $584 a month. Progressive’s Saginaw average is 32% below Auto-Owners’ ($228), a lead wide enough that we show the range instead of naming a single cheapest insurer. For liability-only coverage at 20/40/10 limits, Farm Bureau and Auto-Owners are effectively tied for the lowest average among the five major insurers we compared. GEICO’s figure is priced from published 2026 Michigan rate studies and scaled to our benchmark driver. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Saginaw full coverage averages about $299 a month and Lansing about $347, a difference of about $48 a month for the same driver and car.
In our data, 48603 and 48604 share the lowest full-coverage average in Saginaw, at about $290 a month, and 48601 the highest, at about $318. The ZIP code table on this page lists all six.
In our Saginaw data, full coverage (100/300/100 with $500 deductibles) averages about $299 a month and liability-only coverage at 20/40/10 limits about $77, a difference of about $222 a month ($2,654 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Michigan law doesn’t require full coverage, but a lender or leasing company may.
Every policy in Saginaw must include personal injury protection, property protection insurance of up to $1 million and bodily injury liability of $250,000 per person and $500,000 per crash, unless you sign a form choosing lower limits of at least $50,000 and $100,000, plus $10,000 in property damage liability for crashes in other states. If you don’t choose a PIP medical level, you get unlimited coverage.
Not for our benchmark driver. Comparing the four insurers in both sets of rates (Farm Bureau is new over the past nine months), their Saginaw full-coverage average fell 7.2%, from about $4,008 to $3,721 a year. That’s higher than the Saginaw average of $3,583 because it leaves out Farm Bureau. Hanover cut its Saginaw average 11.1%, Progressive 5.4% and State Farm 5.0%. Liability-only coverage at 20/40/10 limits fell 14.2%.
For our benchmark driver, full coverage in Saginaw averages about $299 a month. Nearby, Lansing averages about $347, Troy about $344 and Livonia about $335. Saginaw is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
