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Get Cheap Car Insurance in Mackinac Island, MI
We monitor insurance prices, helping the average driver in Mackinac Island save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Mackinac Island
The chart below shows the cheapest car insurance company in Mackinac Island 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.
| Mackinac Island Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $105 |
| Progressive | $120 |
| State Farm | $121 |
| Safeco Insurance | $128 |
Savings for Every Kind of Mackinac Island Driver
Based on our extensive insurance data, we know the average Mackinac Island 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 $1,142 per year by choosing the right vehicle insurance company. Some Mackinac Island residents are paying out over $2,843 extra every year for auto insurance in Mackinac Island. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Mackinac Island, MI Savings / Yr. |
|---|---|
$1,142 |
|
$1,865 |
|
$1,650 |
|
$2,508 |
|
$2,959 |
|
$0 |
|
$0 |
Mackinac Island Car Insurance vs. Michigan
People living in Mackinac Island pay an average of 1.95% less than the typical driver in the state. The average driver in Mackinac Island can expect to pay about $2,159 per year, or $2,843 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Mackinac Island for most people.
Car Insurance Prices by Mackinac Island Neighborhood
Insurance Prices
Where is insurance cheapest within Mackinac Island?
The map shows insurance prices in and around Mackinac Island, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $2,843 to a low of $2,843. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Mackinac Island.Pick the Best Car Insurance Company for You in Mackinac Island
The best car insurance provider for most drivers in Mackinac Island
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,142 over the average Mackinac Island car insurance company.
The best car insurance provider for Mackinac Island 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 $1,865 over the competition.
The best car insurance company for Mackinac Island drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,650 better than other car insurance companies.
The best auto insurance for Mackinac Island drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,508 less each year.
The least expensive car insurance company for new and young drivers in Mackinac Island
In Mackinac Island, Geico costs young drivers $2,959 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Mackinac Island
The cheapest car insurance in Mackinac Island for drivers with bad credit
The best Mackinac Island car insurance company for customer service
Nationwide was the best company for customer service in Mackinac Island according to the NAIC.
Recent price drops
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The cheapest large national provider in Mackinac Island
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Mackinac Island 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 Mackinac Island, 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 Mackinac Island
What Influences the Cost of Car Insurance in Mackinac Island?
On average, car insurance in Mackinac Island 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 Mackinac Island is 13 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 F according to CrimeGrade.org.
- Mackinac Island 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 Mackinac Island is $180 per month for minimum coverage and $237 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
- St. Ignace: Insurance costs 1.62% less
- Mackinaw City: Insurance costs 5.17% less
- Pointe Aux Pins: Insurance costs 8.51% less
- Gros Cap: Insurance costs 5.77% less
- Carp Lake: Insurance costs 4.36% less
- Point Nipigon: Insurance costs 4.29% less
- Moran: Insurance costs 4.12% less
- Hessel: Insurance costs 4.71% less
- Levering: Insurance costs 4.96% less
- Cedarville: Insurance costs 4.57% less
Cities with Similar Populations
- Adin: Insurance costs 37.04% less
- Alma: Insurance costs 39.50% less
- Pembina: Insurance costs 51.18% less
- Pool: Insurance costs 47.84% less
- Pennington: Insurance costs 46.39% less
- Perry Addition: Insurance costs 59.48% less
- Philadelphia: Insurance costs 36.90% less
- Phillipsburg: Insurance costs 28.00% less
- Pickwick: Insurance costs 44.99% less
- Pine Bluff: Insurance costs 61.80% less