Compare Howard City, MI Car Insurance Rates (2021)

Car insurance in Howard City, MI averages $830 a month. Howard City, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Howard City car insurance rates, compare quotes from the top car insurance companies in Howard City, MI.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Howard City, MI are $9,962/year
  • Average car insurance rates in Howard City, MI after a DUI are $16,470/year
  • The cheapest car insurance company in Howard City for teen drivers is USAA

If you need to buy Howard City, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Howard City, MI is right here.

You’ll find Howard City car insurance rates, the cheapest Howard City, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Howard City, Michigan car insurance rates to Dearborn car insurance rates, Grand Rapids car insurance rates, and Warren car insurance rates.

Ready to find affordable Howard City, MI car insurance today? Enter your ZIP code for fast, free Howard City car insurance quotes.

Cheapest Howard City, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Howard City, MI car insurance rates? Every Howard City, Michigan car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Howard City, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $16,758 $16,758 $15,566 $15,566 $41,506 $41,506 $17,653 $17,653
Farmers $4,583 $4,583 $4,277 $4,277 $9,988 $9,988 $5,149 $5,149
GEICO $3,786 $3,786 $3,863 $3,863 $10,955 $10,955 $3,629 $3,629
Liberty Mutual $15,334 $15,334 $15,181 $15,181 $36,223 $36,223 $15,334 $15,334
Nationwide $5,025 $5,025 $4,440 $4,440 $13,754 $13,754 $5,535 $5,535
Progressive $3,051 $2,873 $2,692 $2,964 $11,443 $12,371 $3,576 $3,396
State Farm $7,304 $7,304 $6,750 $6,750 $25,335 $25,335 $8,569 $8,569
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,655 $2,498 $2,500 $2,350 $6,403 $6,033 $3,215 $3,060

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Minimum Car Insurance in Howard City, MI

Every driver must carry the minimum car insurance in Howard City, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage in Howard City, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Howard City, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Howard City, MI. Compare credit history car insurance rates in Howard City from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Howard City, Michigan

Insurance Company Poor Fair Good
Allstate $34,761 $19,207 $14,645
Farmers $7,963 $5,221 $4,813
GEICO $7,145 $5,254 $4,276
Liberty Mutual $32,464 $18,743 $10,346
Nationwide $9,004 $6,790 $5,771
Progressive $6,082 $5,142 $4,664
State Farm $19,453 $9,837 $6,677
Travelers $6,813 $6,608 $6,525
USAA $5,371 $3,070 $2,328

Cheapest Howard City, MI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Howard City, MI to rates for a clean record with top companies.

Annual Howard City, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,140 $14,886 $49,871 $15,586
Farmers $5,044 $6,417 $6,340 $6,197
GEICO $1,943 $4,139 $12,538 $3,613
Liberty Mutual $14,354 $17,322 $32,017 $18,378
Nationwide $6,149 $8,203 $7,471 $6,931
Progressive $4,512 $5,886 $5,286 $5,499
State Farm $7,684 $9,182 $19,663 $11,428
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,889 $3,607 $4,715 $3,147

Cheapest Howard City, MI Car Insurance for Teen Drivers

Teen car insurance in Howard City, MI can be expensive. Take a look at rates from the top car insurance companies in Howard City for teenagers.

Annual Car Insurance Rates for Teen Drivers in Howard City, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,506 $41,506
Farmers $9,988 $9,988
GEICO $10,955 $10,955
Liberty Mutual $36,223 $36,223
Nationwide $13,754 $13,754
Progressive $11,443 $12,371
State Farm $25,335 $25,335
Travelers $13,395 $13,395
USAA $6,403 $6,033

Cheapest Howard City, MI Car Insurance for Seniors

Take a look at Howard City, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Howard City, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,566 $15,566
Farmers $4,277 $4,277
GEICO $3,863 $3,863
Liberty Mutual $15,181 $15,181
Nationwide $4,440 $4,440
Progressive $2,692 $2,964
State Farm $6,750 $6,750
Travelers $3,858 $3,858
USAA $2,500 $2,350

Cheapest Howard City, MI Car Insurance Rates After a DUI

A DUI in Howard City, MI increases car insurance rates. Compare Howard City, Michigan DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Howard City, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $49,871
Farmers $6,340
GEICO $12,538
Liberty Mutual $32,017
Nationwide $7,471
Progressive $5,286
State Farm $19,663
Travelers $10,331
USAA $4,715

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Cheapest Howard City, MI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Howard City, MI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Howard City, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $22,871 $22,871
Farmers $5,999 $5,999
GEICO $5,433 $5,684
Liberty Mutual $19,808 $21,228
Nationwide $7,189 $7,189
Progressive $5,296 $5,296
State Farm $11,668 $12,311
Travelers $6,611 $6,686
USAA $3,548 $3,631

The Best Cheap Car Insurance Companies in Howard City, MI

Take a look at a side-by-side comparison of the top car insurance companies in Howard City, MI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Howard City, Michigan

Insurance Company Average Annual Rates
Allstate $22,871
Farmers $5,999
GEICO $5,558
Liberty Mutual $20,518
Nationwide $7,189
Progressive $5,296
State Farm $11,989
Travelers $6,649
USAA $3,589

Category Winners: Cheapest Car Insurance in Howard City, Michigan

Find the cheapest car insurance companies in Howard City, MI for each category right here.

Best Annual Car Insurance Rates by Company in Howard City, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Cheapest Howard City, MI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Howard City car insurance rates. Find the cheapest Howard City, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Howard City, Michigan

Insurance Company Low Medium High
Allstate $22,308 $22,921 $23,383
Farmers $5,871 $5,988 $6,138
GEICO $5,217 $5,512 $5,946
Liberty Mutual $20,018 $20,469 $21,066
Nationwide $7,537 $7,062 $6,967
Progressive $5,146 $5,303 $5,439
State Farm $11,410 $12,061 $12,497
Travelers $6,575 $6,656 $6,715
USAA $3,486 $3,598 $3,684

What affects car insurance rates in Howard City, Michigan?

What factors can have an impact on Howard City, MI car insurance? There are several reasons why Howard City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Howard City, Michigan.

Commute Time in Howard City

The more time you spend in your car the higher the risk of an accident. The average commute length in Howard City, MI is 32.4 minutes according to City-Data.

Compare Car Insurance Quotes in Howard City, MI

Ready to find affordable Howard City, Michigan car insurance today? Enter your ZIP code for fast, free Howard City, MI car insurance quotes.

Free Car Insurance Comparison

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