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Get Cheap Car Insurance in Bay Shore, MI
We monitor insurance prices, helping the average driver in Bay Shore save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Bay Shore
The chart below shows the cheapest car insurance company in Bay Shore for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by Progressive, State Farm, and Safeco Insurance.
| Bay Shore Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $103 |
| Progressive | $117 |
| State Farm | $118 |
| Safeco Insurance | $125 |
Savings for Every Kind of Bay Shore Driver
Based on our extensive insurance data, we know the average Bay Shore driver will save about 40% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $1,115 per year by choosing the right vehicle insurance company. Some Bay Shore residents are paying out over $2,775 extra every year for auto insurance in Bay Shore. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Bay Shore, MI Savings / Yr. |
|---|---|
$1,115 |
|
$1,820 |
|
$1,611 |
|
$2,448 |
|
$2,888 |
|
$0 |
|
$0 |
Bay Shore Car Insurance vs. Michigan
People living in Bay Shore pay an average of 4.29% less than the typical driver in the state. The average driver in Bay Shore can expect to pay about $2,107 per year, or $2,775 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Bay Shore for most people.
Car Insurance Prices by Bay Shore Neighborhood
Insurance Prices
Where is insurance cheapest within Bay Shore?
The map shows insurance prices in and around Bay Shore, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $135 per year within the city boundaries, with insurance premiums ranging from a high of $2,829 to a low of $2,694. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Central parts of Bay Shore.Pick the Best Car Insurance Company for You in Bay Shore
The best car insurance provider for most drivers in Bay Shore
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,115 over the average Bay Shore car insurance company.
The best car insurance provider for Bay Shore drivers with accidents on their records
In our analysis, Auto-Owners Insurance saved the average person who had been in an accident the most, with annual savings averaging $1,820 over the competition.
The best car insurance company for Bay Shore drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,611 better than other car insurance companies.
The best auto insurance for Bay Shore drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,448 less each year.
The least expensive car insurance company for new and young drivers in Bay Shore
In Bay Shore, Geico costs young drivers $2,888 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Bay Shore
The cheapest car insurance in Bay Shore for drivers with bad credit
The best Bay Shore car insurance company for customer service
Recent price drops
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The cheapest large national provider in Bay Shore
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Bay Shore driver can expect to pay about $163 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Bay Shore, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, and drivers with a DUI conviction.Auto Insurance Prices in and Around Bay Shore
What Influences the Cost of Car Insurance in Bay Shore?
On average, car insurance in Bay Shore is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Bay Shore is 22 minutes, which is far less than average for a driver in the state.
- Michigan state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- Bay Shore is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Bay Shore is $176 per month for minimum coverage and $231 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Zenith Heights: Insurance costs 1.33% less
- Burgess: Insurance costs 2.59% less
- Horton Bay: Insurance costs 2.52% less
- Petoskey: Insurance costs 0.11% less
- Charlevoix: Insurance costs 1.33% less
- Ironton: Insurance costs 2.77% less
- Clarion: Insurance costs 2.88% less
- Harbor Springs: Insurance costs 0.11% less
- Walloon Lake: Insurance costs 4.11% less
- Boyne City: Insurance costs 0.68% less
Cities with Similar Populations
- Smith Mills: Insurance costs 26.81% less
- Denhawken: Insurance costs 42.20% less
- Siloam: Insurance costs 51.35% less
- Neva: Insurance costs 51.17% less
- Trigg Furnace: Insurance costs 24.04% less
- Hodgson: Insurance costs 40.72% less
- Torreon: Insurance costs 45.87% less
- Portage: Insurance costs 67.96% less
- Tooley Corners: Insurance costs 51.10% less
- Highland Spring: Insurance costs 26.92% less