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Get Cheap Car Insurance in Horton Bay, MI
We monitor insurance prices, helping the average driver in Horton Bay save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Horton Bay
The chart below shows the cheapest car insurance company in Horton Bay 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.
| Horton Bay Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $100 |
| Progressive | $114 |
| State Farm | $115 |
| Safeco Insurance | $122 |
Savings for Every Kind of Horton Bay Driver
Based on our extensive insurance data, we know the average Horton Bay 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 $1,087 per year by choosing the right vehicle insurance company. Some Horton Bay residents are paying out over $2,705 extra every year for auto insurance in Horton Bay. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Horton Bay, MI Savings / Yr. |
|---|---|
$1,087 |
|
$1,775 |
|
$1,570 |
|
$2,387 |
|
$2,816 |
|
$0 |
|
$0 |
Horton Bay Car Insurance vs. Michigan
People living in Horton Bay pay an average of 6.70% less than the typical driver in the state. The average driver in Horton Bay can expect to pay about $2,055 per year, or $2,705 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Horton Bay for most people.
Car Insurance Prices by Horton Bay Neighborhood
Insurance Prices
Where is insurance cheapest within Horton Bay?
The map shows insurance prices in and around Horton Bay, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $27 per year within the city boundaries, with insurance premiums ranging from a high of $2,721 to a low of $2,694. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Horton Bay.Pick the Best Car Insurance Company for You in Horton Bay
The best car insurance provider for most drivers in Horton Bay
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,087 over the average Horton Bay car insurance company.
The best car insurance provider for Horton Bay 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 $1,775 over the competition.
The best car insurance company for Horton Bay drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,570 better than other car insurance companies.
The best auto insurance for Horton Bay drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,387 less each year.
The least expensive car insurance company for new and young drivers in Horton Bay
In Horton Bay, Geico costs young drivers $2,816 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Horton Bay
The cheapest car insurance in Horton Bay for drivers with bad credit
The best Horton Bay car insurance company for customer service
Nationwide was the best company for customer service in Horton Bay according to the NAIC.
Recent price drops
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The cheapest large national provider in Horton Bay
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Horton Bay 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 Horton Bay, 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 Horton Bay
What Influences the Cost of Car Insurance in Horton Bay?
On average, car insurance in Horton Bay 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 Horton Bay is 24 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 C- according to CrimeGrade.org.
- Horton Bay is a lightly populated area 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 Horton Bay is $171 per month for minimum coverage and $225 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
- Burgess: Insurance costs 0.07% less
- Zenith Heights: Insurance costs 1.22% more
- Bay Shore: Insurance costs 2.59% more
- Ironton: Insurance costs 0.26% less
- Charlevoix: Insurance costs 1.22% more
- Boyne City: Insurance costs 1.89% more
- Walloon Lake: Insurance costs 1.63% less
- Petoskey: Insurance costs 2.48% more
- Clarion: Insurance costs 0.37% less
- East Jordan: Insurance costs 2.37% more
Cities with Similar Populations
- South Crossett: Insurance costs 37.82% less
- Johntown: Insurance costs 40.52% less
- Joinerville: Insurance costs 38.45% less
- Kingston: Insurance costs 1.44% more
- Kitts Hummock: Insurance costs 32.31% less
- Snowville: Insurance costs 49.57% less
- Sondheimer: Insurance costs 8.06% more
- South Buffalo: Insurance costs 23.36% less
- South Creek: Insurance costs 44.40% less
- Jewett: Insurance costs 56.64% less