Compare Luna Pier, MI Car Insurance Rates (2021)

Car insurance in Luna Pier, MI averages $851 a month. Luna Pier, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Luna Pier car insurance rates, compare quotes from the top car insurance companies in Luna Pier, 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 Luna Pier, MI are $10,207/year
  • The cheapest car insurance company in Luna Pier for teen drivers is USAA
  • The cheapest car insurance company in Luna Pier is USAA

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

You’ll find Luna Pier car insurance rates, the cheapest Luna Pier, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Luna Pier, Michigan car insurance rates to Grand Rapids car insurance rates, Ann Arbor car insurance rates, and Livonia car insurance rates.

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

Cheapest Luna Pier, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Luna Pier, MI car insurance rates? Every Luna Pier, 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 Luna Pier, 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 $15,884 $15,884 $14,787 $14,787 $39,019 $39,019 $16,726 $16,726
Farmers $4,410 $4,410 $4,126 $4,126 $9,619 $9,619 $4,944 $4,944
GEICO $4,775 $4,775 $4,894 $4,894 $12,927 $12,927 $4,541 $4,541
Liberty Mutual $15,624 $15,624 $15,474 $15,474 $36,217 $36,217 $15,624 $15,624
Nationwide $3,550 $3,550 $3,173 $3,173 $9,174 $9,174 $3,883 $3,883
Progressive $3,191 $2,915 $2,825 $3,202 $11,568 $12,139 $3,691 $3,301
State Farm $8,901 $8,901 $8,320 $8,320 $32,054 $32,054 $10,472 $10,472
Travelers $5,380 $5,380 $4,626 $4,626 $16,180 $16,180 $5,842 $5,842
USAA $2,713 $2,556 $2,554 $2,399 $6,743 $6,381 $3,303 $3,149

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Minimum Car Insurance in Luna Pier, MI

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

Minimum Required Car Insurance Coverage in Luna Pier, 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 Luna Pier, MI Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Luna Pier, Michigan

Insurance Company Poor Fair Good
Allstate $32,807 $18,163 $13,842
Farmers $7,703 $5,010 $4,611
GEICO $8,733 $6,411 $5,209
Liberty Mutual $32,810 $18,942 $10,452
Nationwide $6,167 $4,675 $3,992
Progressive $6,203 $5,203 $4,656
State Farm $24,266 $12,247 $8,297
Travelers $8,206 $7,958 $7,858
USAA $5,573 $3,183 $2,419

Cheapest Luna Pier, 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 Luna Pier, MI to rates for a clean record with top companies.

Annual Luna Pier, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,468 $14,036 $47,226 $14,685
Farmers $4,862 $6,179 $6,112 $5,946
GEICO $2,367 $5,048 $15,332 $4,390
Liberty Mutual $14,111 $17,337 $33,172 $18,319
Nationwide $4,246 $5,637 $5,129 $4,767
Progressive $4,506 $5,984 $5,377 $5,548
State Farm $9,328 $11,279 $24,935 $14,205
Travelers $5,416 $7,736 $12,473 $6,404
USAA $2,992 $3,745 $4,900 $3,262

Cheapest Luna Pier, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Luna Pier, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $39,019 $39,019
Farmers $9,619 $9,619
GEICO $12,927 $12,927
Liberty Mutual $36,217 $36,217
Nationwide $9,174 $9,174
Progressive $11,568 $12,139
State Farm $32,054 $32,054
Travelers $16,180 $16,180
USAA $6,743 $6,381

Cheapest Luna Pier, MI Car Insurance for Seniors

Take a look at Luna Pier, 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 Luna Pier, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $14,787 $14,787
Farmers $4,126 $4,126
GEICO $4,894 $4,894
Liberty Mutual $15,474 $15,474
Nationwide $3,173 $3,173
Progressive $2,825 $3,202
State Farm $8,320 $8,320
Travelers $4,626 $4,626
USAA $2,554 $2,399

Cheapest Luna Pier, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Luna Pier, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $47,226
Farmers $6,112
GEICO $15,332
Liberty Mutual $33,172
Nationwide $5,129
Progressive $5,377
State Farm $24,935
Travelers $12,473
USAA $4,900

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Cheapest Luna Pier, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Luna Pier, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $21,604 $21,604
Farmers $5,775 $5,775
GEICO $6,630 $6,938
Liberty Mutual $20,035 $21,435
Nationwide $4,945 $4,945
Progressive $5,354 $5,354
State Farm $14,522 $15,351
Travelers $7,961 $8,053
USAA $3,682 $3,767

The Best Cheap Car Insurance Companies in Luna Pier, MI

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

Average Annual Car Insurance Rates by Company in Luna Pier, Michigan

Insurance Company Average Annual Rates
Allstate $21,604
Farmers $5,775
GEICO $6,784
Liberty Mutual $20,735
Nationwide $4,945
Progressive $5,354
State Farm $14,937
Travelers $8,007
USAA $3,725

Category Winners: Cheapest Car Insurance in Luna Pier, Michigan

Find the cheapest car insurance companies in Luna Pier, MI for each category right here.

Best Annual Car Insurance Rates by Company in Luna Pier, 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 Luna Pier, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Luna Pier, Michigan

Insurance Company Low Medium High
Allstate $20,947 $21,662 $22,203
Farmers $5,614 $5,761 $5,949
GEICO $6,264 $6,709 $7,380
Liberty Mutual $20,193 $20,681 $21,330
Nationwide $5,102 $4,881 $4,851
Progressive $5,160 $5,362 $5,540
State Farm $14,113 $15,038 $15,659
Travelers $7,920 $8,016 $8,086
USAA $3,610 $3,735 $3,829

What affects car insurance rates in Luna Pier, Michigan?

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

Car Theft in Luna Pier

High levels of vehicle theft can make car insurance more expensive. Luna Pier, MI car theft statistics from the FBI indicate 0 vehicle thefts a year.

Commute Time in Luna Pier

The more time you spend in your car the higher the risk of an accident. The average commute length in Luna Pier, MI is 27.6 minutes according to City-Data.

Compare Car Insurance Quotes in Luna Pier, MI

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

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