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Get Cheap Car Insurance in Mackinaw City, MI
We monitor insurance prices, helping the average driver in Mackinaw City save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Mackinaw City
The chart below shows the cheapest car insurance company in Mackinaw City 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.
| Mackinaw City Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $100 |
| Progressive | $114 |
| State Farm | $115 |
| Safeco Insurance | $122 |
Savings for Every Kind of Mackinaw City Driver
Based on our extensive insurance data, we know the average Mackinaw City 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 $1,083 per year by choosing the right vehicle insurance company. Some Mackinaw City residents are paying out over $2,696 extra every year for auto insurance in Mackinaw City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Mackinaw City, MI Savings / Yr. |
|---|---|
$1,083 |
|
$1,769 |
|
$1,565 |
|
$2,379 |
|
$2,807 |
|
$0 |
|
$0 |
Mackinaw City Car Insurance vs. Michigan
People living in Mackinaw City pay an average of 7.00% less than the typical driver in the state. The average driver in Mackinaw City can expect to pay about $2,048 per year, or $2,696 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Mackinaw City for most people.
Car Insurance Prices by Mackinaw City Neighborhood
Insurance Prices
Where is insurance cheapest within Mackinaw City?
The map shows insurance prices in and around Mackinaw City, 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 $2,715 to a low of $2,663. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northwest parts of Mackinaw City.Pick the Best Car Insurance Company for You in Mackinaw City
The best car insurance provider for most drivers in Mackinaw City
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,083 over the average Mackinaw City car insurance company.
The best car insurance provider for Mackinaw City 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 $1,769 over the competition.
The best car insurance company for Mackinaw City drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,565 better than other car insurance companies.
The best auto insurance for Mackinaw City drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,379 less each year.
The least expensive car insurance company for new and young drivers in Mackinaw City
In Mackinaw City, Geico costs young drivers $2,807 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Mackinaw City
The cheapest car insurance in Mackinaw City for drivers with bad credit
The best Mackinaw City car insurance company for customer service
Nationwide was the best company for customer service in Mackinaw City according to the NAIC.
Recent price drops
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The cheapest large national provider in Mackinaw City
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Mackinaw City 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 Mackinaw City, 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 Mackinaw City
What Influences the Cost of Car Insurance in Mackinaw City?
On average, car insurance in Mackinaw City 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 Mackinaw City is 30 minutes, which is about the national 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.
- Mackinaw City has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Mackinaw City 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
- Carp Lake: Insurance costs 0.85% more
- St. Ignace: Insurance costs 3.75% more
- Mackinac Island: Insurance costs 5.45% more
- Gros Cap: Insurance costs 0.63% less
- Levering: Insurance costs 0.22% more
- Point Nipigon: Insurance costs 0.93% more
- Weadock: Insurance costs 0.11% more
- Pointe Aux Pins: Insurance costs 3.52% less
- Van: Insurance costs 0.96% more
- Mullett Lake: Insurance costs 4.64% more
Cities with Similar Populations
- Palo Alto: Insurance costs 51.30% less
- Naplate: Insurance costs 49.00% less
- Napoleon: Insurance costs 46.25% less
- Negreet: Insurance costs 1.04% more
- New Lisbon: Insurance costs 55.75% less
- New Martinsburg: Insurance costs 58.61% less
- New Salem: Insurance costs 46.11% less
- Newcomb: Insurance costs 48.00% less
- Newton: Insurance costs 60.94% less
- Novelty: Insurance costs 45.59% less