Best Petoskey, MI Car Insurance in 2024
Car insurance in Petoskey, MI averages $782 a month. Petoskey, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Petoskey car insurance rates, compare quotes from the top car insurance companies in Petoskey, MI.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Petoskey is USAA
- Average car insurance rates in Petoskey, MI after a DUI are $15,876/year
- Average car insurance rates in Petoskey, MI are $9,385/year
If you need to buy Petoskey, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Petoskey, MI is right here.
You’ll find Petoskey car insurance rates, the cheapest Petoskey, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Petoskey, Michigan car insurance rates to Flint car insurance rates, Livonia car insurance rates, and Dearborn car insurance rates.
Ready to find affordable Petoskey, MI car insurance today? Enter your ZIP code for fast, free Petoskey car insurance quotes.
Cheapest Petoskey, MI Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Petoskey, MI car insurance rates? Every Petoskey, Michigan car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $18,178 | $18,178 | $17,007 | $17,007 | $43,020 | $43,020 | $19,109 | $19,109 |
| Farmers | $3,207 | $3,207 | $2,997 | $2,997 | $7,304 | $7,304 | $3,602 | $3,602 |
| Geico | $3,704 | $3,704 | $3,778 | $3,778 | $10,469 | $10,469 | $3,544 | $3,544 |
| Liberty Mutual | $13,423 | $13,423 | $13,290 | $13,290 | $31,542 | $31,542 | $13,423 | $13,423 |
| Nationwide | $4,680 | $4,680 | $4,166 | $4,166 | $12,064 | $12,064 | $5,117 | $5,117 |
| Progressive | $2,498 | $2,346 | $2,220 | $2,443 | $9,223 | $9,926 | $2,907 | $2,742 |
| State Farm | $6,299 | $6,299 | $5,818 | $5,818 | $21,897 | $21,897 | $7,398 | $7,398 |
| Travelers | $5,348 | $5,348 | $4,589 | $4,589 | $16,137 | $16,137 | $5,811 | $5,811 |
| USAA | $2,490 | $2,382 | $2,337 | $2,222 | $6,169 | $5,933 | $3,061 | $2,971 |
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Minimum Car Insurance in Petoskey, MI
Every driver must carry the minimum car insurance required by the state in Petoskey, MI. Take a look at the Michigan car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest Petoskey, MI Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Petoskey, MI. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Petoskey from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $37,251 | $20,462 | $15,271 |
| Farmers | $5,586 | $3,763 | $3,484 |
| Geico | $6,905 | $5,080 | $4,136 |
| Liberty Mutual | $28,338 | $16,372 | $9,047 |
| Nationwide | $8,198 | $6,128 | $5,194 |
| Progressive | $4,914 | $4,167 | $3,783 |
| State Farm | $16,776 | $8,501 | $5,781 |
| Travelers | $8,169 | $7,922 | $7,822 |
| USAA | $5,154 | $2,934 | $2,249 |
Cheapest Petoskey, MI Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Petoskey, MI to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $11,781 | $15,856 | $53,166 | $16,511 |
| Farmers | $3,599 | $4,582 | $4,519 | $4,411 |
| Geico | $1,893 | $4,004 | $12,101 | $3,497 |
| Liberty Mutual | $12,457 | $15,103 | $28,109 | $16,009 |
| Nationwide | $5,553 | $7,442 | $6,765 | $6,267 |
| Progressive | $3,664 | $4,760 | $4,285 | $4,443 |
| State Farm | $6,609 | $7,911 | $17,027 | $9,865 |
| Travelers | $5,408 | $7,706 | $12,382 | $6,390 |
| USAA | $2,774 | $3,452 | $4,531 | $3,025 |
Cheapest Petoskey, MI Car Insurance for Teen Drivers
Teen car insurance in Petoskey, MI can be expensive. Take a look at rates from the top car insurance companies in Petoskey for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $43,020 | $43,020 |
| Farmers | $7,304 | $7,304 |
| Geico | $10,469 | $10,469 |
| Liberty Mutual | $31,542 | $31,542 |
| Nationwide | $12,064 | $12,064 |
| Progressive | $9,223 | $9,926 |
| State Farm | $21,897 | $21,897 |
| Travelers | $16,137 | $16,137 |
| USAA | $6,169 | $5,933 |
Cheapest Petoskey, MI Car Insurance for Seniors
Take a look at Petoskey, MI rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $17,007 | $17,007 |
| Farmers | $2,997 | $2,997 |
| Geico | $3,778 | $3,778 |
| Liberty Mutual | $13,290 | $13,290 |
| Nationwide | $4,166 | $4,166 |
| Progressive | $2,220 | $2,443 |
| State Farm | $5,818 | $5,818 |
| Travelers | $4,589 | $4,589 |
| USAA | $2,337 | $2,222 |
Cheapest Petoskey, MI Car Insurance Rates After a DUI
A DUI in Petoskey, MI increases car insurance rates. Compare Petoskey, Michigan car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $53,166 |
| Farmers | $4,519 |
| Geico | $12,101 |
| Liberty Mutual | $28,109 |
| Nationwide | $6,765 |
| Progressive | $4,285 |
| State Farm | $17,027 |
| Travelers | $12,382 |
| USAA | $4,531 |
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Cheapest Petoskey, MI Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Petoskey, MI by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $24,328 | $24,328 |
| Farmers | $4,277 | $4,277 |
| Geico | $5,252 | $5,495 |
| Liberty Mutual | $17,304 | $18,535 |
| Nationwide | $6,507 | $6,507 |
| Progressive | $4,288 | $4,288 |
| State Farm | $10,085 | $10,621 |
| Travelers | $7,926 | $8,017 |
| USAA | $3,407 | $3,484 |
The Best Cheap Car Insurance Companies in Petoskey, MI
Take a look at a side-by-side comparison of the top car insurance companies in Petoskey, MI to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $24,328 |
| Farmers | $4,277 |
| Geico | $5,374 |
| Liberty Mutual | $17,919 |
| Nationwide | $6,507 |
| Progressive | $4,288 |
| State Farm | $10,353 |
| Travelers | $7,971 |
| USAA | $3,446 |
Category Winners: Cheapest Car Insurance in Petoskey, Michigan
Find the cheapest car insurance companies in Petoskey, MI for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | USAA |
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Cheapest Petoskey, MI Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Petoskey car insurance rates. Find the cheapest Petoskey, MI car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $23,774 | $24,378 | $24,834 |
| Farmers | $4,158 | $4,268 | $4,407 |
| Geico | $5,038 | $5,328 | $5,755 |
| Liberty Mutual | $17,501 | $17,878 | $18,379 |
| Nationwide | $6,846 | $6,388 | $6,286 |
| Progressive | $4,158 | $4,295 | $4,412 |
| State Farm | $9,893 | $10,410 | $10,756 |
| Travelers | $7,889 | $7,978 | $8,047 |
| USAA | $3,350 | $3,453 | $3,534 |
What affects car insurance rates in Petoskey, Michigan?
What are the factors that affect car insurance rates in Petoskey, MI? There are several reasons why Petoskey car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Petoskey, Michigan.
Car Theft in Petoskey
High levels of vehicle theft can make car insurance more expensive. Petoskey, MI car theft statistics from the FBI indicate 4 vehicle thefts a year.
Commute Time in Petoskey
The more time you spend in your car the higher the risk of an accident. The average commute length in Petoskey, MI is 14.6 minutes according to City-Data.
Compare Car Insurance Quotes in Petoskey, MI
Ready to find affordable Petoskey, Michigan car insurance today? Enter your ZIP code for fast, free Petoskey, MI car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
What factors affect car insurance rates in Petoskey, MI?
Several factors can affect car insurance rates in Petoskey, MI, including:
- Your driving record: Drivers with a clean record typically pay lower premiums compared to those with accidents or traffic violations.
- Vehicle type: The make, model, and age of your car can impact your insurance rates.
- Coverage limits: The level of coverage you choose for liability, comprehensive, and collision insurance can affect your premiums.
- Deductibles: Higher deductibles usually lead to lower premiums, but you’ll pay more out of pocket in the event of a claim.
- Age and gender: Younger drivers and male drivers tend to have higher insurance rates due to statistical risk factors.
- Credit history: In some states, insurance companies may consider your credit history when determining rates.
- Location: Your ZIP code, including factors like population density and crime rate, can influence insurance rates.
What types of car insurance coverage are available in Petoskey, MI?
Car insurance coverage options available in Petoskey, MI, typically include:
- Liability coverage: Pays for injuries and property damage you cause in an accident.
- Collision coverage: Covers repairs or replacement of your vehicle if it’s damaged in a collision.
- Comprehensive coverage: Protects against non-collision incidents like theft, vandalism, or natural disasters.
- Personal injury protection (PIP): Covers medical expenses and other related costs for you and your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist coverage: Provides coverage if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough coverage.
- Medical payments coverage: Helps cover medical expenses for you and your passengers, regardless of fault.
How can I find affordable car insurance in Petoskey, MI?
To find affordable car insurance in Petoskey, MI, consider the following tips:
- Shop around and compare quotes from multiple insurance providers.
- Increase your deductibles if you can afford to pay higher out-of-pocket costs in the event of a claim.
- Ask about available discounts, such as safe driver discounts, multi-policy discounts, or good student discounts.
- Maintain a clean driving record and avoid accidents or traffic violations.
- Consider bundling your car insurance with other insurance policies, like homeowners or renters insurance, for potential discounts.
Are there any specific car insurance requirements in Petoskey, MI?
In Petoskey, MI, as in other parts of Michigan, drivers are required to carry no-fault insurance, which includes personal injury protection (PIP) coverage. The minimum liability coverage limits are:
- $20,000 for bodily injury or death per person.
- $40,000 for bodily injury or death per accident.
- $10,000 for property damage per accident.
Can I get car insurance coverage for classic or antique cars in Petoskey, MI?
Yes, some insurance companies offer specialized coverage for classic or antique cars in Petoskey, MI. These policies take into account the unique value and usage of these vehicles. Speak with insurance providers that specialize in classic car insurance to find the best coverage options for your needs.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
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.