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Get Cheap Car Insurance in Petosky-Otsego, Detroit, MI
We monitor insurance prices, helping the average driver in Petosky-Otsego save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Petosky-Otsego
The chart below shows the cheapest car insurance company in Petosky-Otsego 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.
| Petosky-Otsego Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $151 |
| Progressive | $173 |
| State Farm | $174 |
| Safeco Insurance | $184 |
Savings for Every Kind of Petosky-Otsego Driver
Based on our extensive insurance data, we know the average Petosky-Otsego 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 $1,641 per year by choosing the right vehicle insurance company. Some Petosky-Otsego residents are paying out over $4,083 extra every year for auto insurance in Petosky-Otsego. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Petosky-Otsego, Detroit, MI Savings / Yr. |
|---|---|
$1,641 |
|
$2,679 |
|
$2,370 |
|
$3,603 |
|
$4,251 |
|
$0 |
|
$0 |
Petosky-Otsego Car Insurance vs. Detroit
People living in Petosky-Otsego pay an average of 40.84% more than the typical driver in the state. The average driver in Petosky-Otsego can expect to pay about $3,101 per year, or $4,083 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Petosky-Otsego for most people.
Car Insurance Prices by Petosky-Otsego Neighborhood
Insurance Prices
Where is insurance cheapest within Petosky-Otsego?
The map shows insurance prices in and around Petosky-Otsego, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $617 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $4,493 to a low of $3,876. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the East parts of Petosky-Otsego.Pick the Best Car Insurance Company for You in Petosky-Otsego
The best car insurance provider for most drivers in Petosky-Otsego
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,641 over the average Petosky-Otsego car insurance company.
The best car insurance provider for Petosky-Otsego 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 $2,679 over the competition.
The best car insurance company for Petosky-Otsego drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $2,370 better than other car insurance companies.
The best auto insurance for Petosky-Otsego drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $3,603 less each year.
The least expensive car insurance company for new and young drivers in Petosky-Otsego
In Petosky-Otsego, Geico costs young drivers $4,251 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Petosky-Otsego
The cheapest car insurance in Petosky-Otsego for drivers with bad credit
The best Petosky-Otsego car insurance company for customer service
Nationwide was the best company for customer service in Petosky-Otsego according to the NAIC.
Recent price drops
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The cheapest large national provider in Petosky-Otsego
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Petosky-Otsego 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 Petosky-Otsego, 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 Petosky-Otsego
What Influences the Cost of Car Insurance in Petosky-Otsego?
On average, car insurance in Petosky-Otsego is more expensive than the rest of the state. These high 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 neighborhood are influenced by the following factors:
- The average commute time in Petosky-Otsego is 34 minutes, which is far more than average for a driver in the city.
- 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 high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Petosky-Otsego is one of the most densely populated areas in the state. The neighborhood’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 Petosky-Otsego is $258 per month for minimum coverage and $340 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 Neighborhoods
- Tireman: Insurance costs 0.61% less
- Midwest: Insurance costs 1.25% more
- Russell Woods: Insurance costs 0.29% less
- Durfee: Insurance costs 1.69% less
- Winter Halter: Insurance costs 1.30% more
- Boston Edison: Insurance costs 3.40% less
- New Center: Insurance costs 6.42% less
- Barton-McFarland: Insurance costs 0.39% less
- Core City: Insurance costs 0.42% less
- MacKenzie: Insurance costs 1.05% more
Neighborhoods with Similar Populations
- Glencove: Insurance costs 46.78% less
- Northside: Insurance costs 47.00% less
- South Lamar: Insurance costs 55.08% less
- South Park Hill: Insurance costs 49.25% less
- Irvington: Insurance costs 56.60% less
- West End: Insurance costs 43.42% less
- Forest Grove: Insurance costs 60.57% less
- Downtown East: Insurance costs 30.25% less
- Windsor Hills: Insurance costs 51.31% less
- Black Mountain Ranch: Insurance costs 54.30% less