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Get Cheap Car Insurance in Houghton Point, MI
We monitor insurance prices, helping the average driver in Houghton Point save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Houghton Point
The chart below shows the cheapest car insurance company in Houghton Point 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.
| Houghton Point Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $104 |
| Progressive | $119 |
| State Farm | $120 |
| Safeco Insurance | $127 |
Savings for Every Kind of Houghton Point Driver
Based on our extensive insurance data, we know the average Houghton Point 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 $1,132 per year by choosing the right vehicle insurance company. Some Houghton Point residents are paying out over $2,818 extra every year for auto insurance in Houghton Point. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Houghton Point, MI Savings / Yr. |
|---|---|
$1,132 |
|
$1,849 |
|
$1,636 |
|
$2,486 |
|
$2,934 |
|
$0 |
|
$0 |
Houghton Point Car Insurance vs. Michigan
People living in Houghton Point pay an average of 2.80% less than the typical driver in the state. The average driver in Houghton Point can expect to pay about $2,140 per year, or $2,818 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Houghton Point for most people.
Car Insurance Prices by Houghton Point Neighborhood
Insurance Prices
Where is insurance cheapest within Houghton Point?
The map shows insurance prices in and around Houghton Point, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $52 per year within the city boundaries, with insurance premiums ranging from a high of $2,858 to a low of $2,806. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Houghton Point.Pick the Best Car Insurance Company for You in Houghton Point
The best car insurance provider for most drivers in Houghton Point
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,132 over the average Houghton Point car insurance company.
The best car insurance provider for Houghton Point 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 $1,849 over the competition.
The best car insurance company for Houghton Point drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,636 better than other car insurance companies.
The best auto insurance for Houghton Point drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,486 less each year.
The least expensive car insurance company for new and young drivers in Houghton Point
In Houghton Point, Geico costs young drivers $2,934 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Houghton Point
The cheapest car insurance in Houghton Point for drivers with bad credit
The best Houghton Point car insurance company for customer service
Nationwide was the best company for customer service in Houghton Point according to the NAIC.
Recent price drops
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The cheapest large national provider in Houghton Point
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Houghton Point 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 Houghton Point, 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 Houghton Point
What Influences the Cost of Car Insurance in Houghton Point?
On average, car insurance in Houghton Point 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:
- Michigan state insurance regulations may require higher prices.
- An average of 13 to 14 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- Houghton Point 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 Houghton Point is $178 per month for minimum coverage and $235 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
- Meads Landing: Insurance costs 1.53% more
- Houghton Lake: Insurance costs 1.28% less
- Houghton Lake Heights: Insurance costs 0.21% more
- Higgins Lake: Insurance costs 0.82% less
- Prudenville: Insurance costs 1.10% less
- Roscommon: Insurance costs 1.60% less
- Merritt: Insurance costs 0.25% less
- Moorestown: Insurance costs 1.31% more
- Prosper: Insurance costs 2.02% less
- Lake Margrethe: Insurance costs 1.24% less
Cities with Similar Populations
- Idamay: Insurance costs 48.01% less
- Howardville: Insurance costs 34.81% less
- Hunter: Insurance costs 36.62% less
- Hunter: Insurance costs 60.79% less
- Hurdland: Insurance costs 36.98% less
- Huslia: Insurance costs 51.35% less
- Hutch: Insurance costs 21.68% less
- Hyampom: Insurance costs 36.59% less
- Iconium: Insurance costs 36.59% less
- Howards Ridge: Insurance costs 36.55% less